See if you can buy in smaller quantities and not have as much money tied up on the shelf. Or time your inventory orders to large sales of your products. Plot your purchases in the months they are expected to occur. Payables Review your payables. If you can afford to pay invoices early and bank the discount, do so.
Every little bit helps.
Avoid paying any so late that you have to pay a penalty. If you have many payables, age these also, so you can clearly see the order in which they should be paid to make the best of your expected cash flow. Plot your payables in the months you expect to write the checks. Seasonal Businesses Cash flow projections are especially critical for seasonal businesses, where peak season income must be saved to cover slow season expenses. This is particularly true for businesses that have large fixed costs, such as the expenses related to salaries of permanent employees, paying off bank loans, leases on building space, etc.