FINANCE • SVETLANA TATAUROVA

Cash gap in business: why money runs out even with sales

How an owner can find the cause of a cash gap, create a payment calendar and regain control of the business's money.

Author: Svetlana Tataurova · Updated: 2026-09-04

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Profit and cash are different metrics

A business can show sales and even accounting profit but still lack cash due to payment terms, inventory, prepayments, receivables and large mandatory payments.

Prepare a payment calendar

Record balances, expected inflows and mandatory payments by week. Separately mark payments that cannot be deferred and inflows whose dates are not confirmed.

Check your working capital

Cash can be tied up in inventory, accounts receivable, deposits or an excessively long production cycle. These causes require different solutions.

Manage the cause, not the symptom

A one-off loan plugs the gap but doesn't fix the model. Changes are needed in payment terms, procurement, inventory, pricing, expense scheduling or the operating model itself.

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