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What would happen if your company’s sales dropped significantly for an entire month? Or if prices suddenly increased by 20%? If those possibilities make you nervous, you’re probably missing an important safety net — a 90-day cash flow buffer.
All businesses should have enough money set aside to cover 90 days of business expenses, even if you have zero money coming in. When running a small business, unexpected challenges like price hikes, supply chain problems or new tariffs can occur at any time.
Having a financial buffer isn’t a luxury — it’s necessary for any business that wants sustained long-term growth. When