The image is a vertically arranged infographic with sections clearly separated by headings and icons, using green as the primary color along with 2-D graphic illustrations.

Title:
How Businesses Prepare for Cash Flow Crunches

Intro Paragraph:
Cash flow crunches can strike a variety of businesses, even when operations go smoothly and there's growth on the horizon. How can you help your business avoid cash flow issues?

Section 1: Understanding the cash flow crunch
Bullet Point 1: A cash flow crunch is a simple concept: It means a business has an issue maintaining a stable flow of funds to pay its bills.
Bullet Point 2: Seasonal lulls, unexpected expenses, slow-to-pay customers, and other issues can all play a role in creating and growing a crunch.
Bullet Point 3: Cash flow crunches are all too common. They are the second-most common contributing factor to small business closures.

Section 2: Common mistakes to avoid
Bullet Point 1: Don’t listen to the loudest bill collector. This doesn’t address your most time-sensitive or mission-critical costs, it simply quiets the most persistent voice.
Bullet Point 2: Don’t skip payroll taxes. It can seem easy to put them off in the face of invoices or payroll, but failing to file IRS form 941 can eventually lead to a shut down.
Bullet Point 3: Don’t avoid contact with creditors. Open, honest communication builds mutual understanding that can help salvage relationships.

Section 3: Tactics to avoid a cash flow crunch
Bullet Point 1: Carefully track your cash flow and build a 13-week cash flow plan to increase visibility in the future.
Bullet Point 2: Pay off your most critical debts first, and negotiate with your creditors about payback plans.
Bullet Point 3: Partner with a third party, like TAB Bank, that will help you make logical decisions and follow through on the choices that are ultimately best for your business.

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