Stefan Bernarsky
Understanding a Business Cash Flow Statement ...

For small business owners, navigating the financial landscape can feel complex.

While tracking profit is essential, it doesn't tell the whole story.

A staggering statistic underscores this point: 82% of small businesses that fail do so because of poor cash flow management or a fundamental misunderstanding of cash flow itself.

This highlights a critical truth: profit on paper does not automatically equate to cash in the bank

It's entirely possible for a business to report healthy profits yet still face closure because it lacks the actual cash needed to operate.

Why does this distinction matter so profoundly?

Because cash is the lifeblood of daily operations.

Understanding a Business Cash Flow Statement and Why it is Critical to Business Operations
Stefan Bernarsky
Strategies to Enhance Business Credit Score and ...

A robust business credit score serves as a vital indicator of a company's financial reliability, much like a personal credit score reflects an individual's credit history.

The implications of a strong score extend to improved access to essential financing such as loans and lines of credit, potentially at more attractive interest rates and with higher credit limits.

Furthermore, it can lead to more accommodating terms from vendors, better insurance premiums, and even enhance the ability to secure valuable contracts.

A positive business credit score bolsters a company's overall credibility within the marketplace and can be a key differentiator, providing a distinct competitive edge.

Therefore, diligently monitoring and proactively working to improve this score is not merely beneficial but crucial for achieving sustainable growth and maintaining long-term financial health.

Strategies to Enhance Business Credit Score and Creditworthiness
Stefan Bernarsky
U.S. Small Business Administration Lowers FICO ...

The U.S. Small Business Administration (SBA) is an independent federal agency established in 1953 dedicated to aiding, counseling, assisting, and protecting the interests of small businesses, helping them start, grow, expand, or recover.

As of April 6th, 2025, the SBA has relaxed its requirements for minimum FICO score from 700 down to an adjusted 680.

In this brief, we will go over the best ways to gain approval for an SBA loan where payback terms (amortizations) can be 10-years, or even 25-years, significantly reducing cash flow necessary to meet business debt service payments.

Read about how to best gain approval with the U.S. Small Business Administration through its originating banks and partners.

U.S. Small Business Administration Lowers FICO Score Requirements for Business Loan Applicants
Stefan Bernarsky
Recap of Our Articles and Reports Covering ...

This summary of articles and reports from Bernarsky Advisors highlight the challenges faced by small businesses in 2025, particularly in securing financing and managing cash flow.

Many businesses are struggling with debt, declining revenue, and increasing operational costs.

The firm emphasizes the importance of financial planning, budgeting, and forecasting to maintain financial stability.

They also warn against predatory lenders and the dangers of short-term, high-interest debt.

Bernarsky Advisors provides guidance on how to improve business credit scores, restructure debt and negotiate with creditors, as well as how to obtain the best business debt refinancing.

They also offer advice on how to identify and avoid common mistakes made by business owners. Ultimately, the firm aims to help businesses navigate these turbulent times and emerge stronger.

The interconnected themes of business cash flow management, business debt refinancing and restructuring, operational reorganization, financing options, cash flow planning and overall financial health are paramount for survival and sustainable growth.

(numbered Footnotes for your convenience to find our full articles related to the subject matter)

Recap of Our Articles and Reports Covering Advice on Business Finance & Strategy (Year-to-Date 2025)
Stefan Bernarsky
Tight Business Cash Flow: How To Get Through ...

For any business owner, the dream is one of steady growth and smooth operations.

But reality often throws curveballs, and one of the most daunting is the feeling of a tightening cash flow, payables and payroll piling up, and the weight of mounting business debt.

It's a scenario that can trigger a cascade of anxieties, threatening to overwhelm even the most resilient entrepreneur.

Tight Business Cash Flow: How To Get Through and Navigate a Liquidity Crunch

#LowerMyMCAPayments

How much does your MCA Broker get paid for each advance (loan)?

How much does your MCA Broker get paid for each advance (loan)?

“…When your business financing broker is presented with an “Approval” from the Merchant Cash Advance (MCA) company, your broker chooses from a list or tier of “Offers” at each Merchant Cash Advance (MCA) company. This list of offer options contains variable commission rates and payback terms and cost to the borrower. (Ex.- $100,000 in “funding” at a 1.35x factor rate or $135,000 payback). Your “trusted, friendly broker” adds from 0.10x to 0.15x to the offer and presents it to you as: $100,000 in “funding” at a 1.50x factor rate of $150,000 payback…”

VIEW OUR POST: “Does Your Business Financing Broker Actually Help You and Your Business?” and download our full PDF report for FREE

BERNARSKY ADVISORS

Business Finance & Strategy Advisors
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