Most ecommerce sellers I talk to don’t have a cash strategy. They have a revenue strategy. They have a growth strategy. But when it comes to cash, most are just watching the bank account and hoping the math works out.
A real cash strategy has three parts.
First: a 13-week cash forecast, updated weekly. This tells you what’s coming in, what’s going out, and where the gaps are — before they become problems.
Second: dedicated accounts for specific purposes. Inventory. Taxes. Operating expenses. Profit. When everything runs through one account, you can’t see what you actually have. Separation creates clarity.
Third: a reserve. Three months of operating expenses, built deliberately over time. This is what lets you make decisions from a position of strength instead of desperation.
These three things together form a cash strategy. Not complicated. Not expensive to implement. But they change everything about how a business operates and how an owner feels when they open their bank app in the morning.
Ready to take control of your cash flow? Your Profit Team helps ecommerce owners forecast cash, plan inventory, and keep more profit with the Profit First method.
