Funding and finances, finances and funding. They’re the ever-present twins of small business worries that can hold your business up and perhaps keep you up at night. It can be tough to navigate the seas of managing your business, while ensuring your vendors and staff are paid on time with consistent cash flow. That’s why you need a payments provider who understands the opportunities and challenges you face as a small business owner and can help you juggle the daily demands of operations.

Small business owners wear a lot of hats

You started your business because you are passionate about what you do – and now you are saddled with payroll, budgeting, inventory management, and other administrative tasks that pull you away from what really matters. You can’t be an expert in everything, but it is important to understand the fundamentals – organizations like the Canadian Chamber of Commerce encourage entrepreneurs to use online resources to improve financial literacy and decision-making skills. While this is an important first step, small business owners need additional tools and support from their payments provider to keep business operating smoothly and cash flow steady.

Keeping cash flowing is hard

Beyond the daily demands of owning a small business, recent years have brought external pressures like inflation and hiring shortages that have strained cash flows in many sectors. With economic unpredictability, it is more important than ever to closely manage your cash-on-hand and make sure you have savings to weather unexpected challenges. In fact, research suggests that the primary reason new businesses fail is not a lack of demand for their products/services, but a lack of steady cash flow.

Timing is everything

Managing revenues and expenses is just the start – when a business receives and makes payments is just as important as how much they take in and send out. Research from Equifax* shows that 64% of Canadian SMBS are concerned with cash flow management – anxious to ensure they have enough cash-on-hand to weather the unpredictable challenges like inflation and interest rates.  If small businesses have to wait more than 30 days to receive payments from customers, they will struggle to pay their expenses and have to delay investments in their operations.

There are ways to overcome the challenges

Cash flows are much easier to track with transparent funding schedules and processing costs – that’s why we offer a wide range of faster funding options to match your business’s needs. It’s your money, you should be able to access it at the speed you need. Whether you need your money tomorrow or in 30 minutes, we have simple one-time fees to account for the speed and amount of funding you would like delivered more quickly.

Owning a small business comes with countless challenges – managing steady cash flows should not be one of them. Learn how faster funding options from Elavon can help.

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