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"Absolutely fantastic course! Makes me want to delve into this more. Thank you!!!"

- Anonymous review of the course

The Stress and Missed Opportunities of Poor Cash Flow

One of the greatest sources of stress for small business owners is managing cash flow. You may be one of the 69% of business owners who have been kept up at night by concerns about cash flow. You’re overwhelmed with work but it never seems to create cash flow for you.

Lost profits due to poor financial management are common with small businesses.

  • More than half of U.S. businesses have lost $10,000 or more by foregoing a project or sales specifically due to issues created by insufficient cash flow. (Quickbooks study)
  • 82% of small businesses fail because of poor cash flow management skills or poor understanding of cash flow (U.S. Bank)

You can increase your cash flow

All you need is some guidance on how to better manage cash to build your confidence in your business finances.

This course will help you:

  • Get your hands around your current and projected cash flows
  • Increase cash flow
  • Avoid painful mistakes business owners make with debt and equity
  • Reduce stressful periods of low cash
  • Identify the major sources of debt and equity financing that could provide precious capital to your business.
  • Avoid common cash management mistakes
  • Get the cash you need for growth

Making Cash Flow Management Easy For You

Ann Long, Liberty Lake Coworking

"Rob has truly made an overwhelming topic very manageable to learn. I appreciate the small doses of information and the recaps throughout the courses. He is a true PRO!"

Let Me Show You How

I’m Rob Stephens, Founder of CFO Perspective. I’ve been the CFO of multiple companies. Early in my career, I worked for a company that went bankrupt from lack of cash. Later, I was the CFO of two banks that survived the Great Recession. I sat on loan committees where I saw borrowers make huge cash flow mistakes with their company. I’ve seen the good, the bad, and the ugly of cash flow management. I want to show you how to capture the good and avoid the ugly.

What You'll Receive

This course has over two hours of video to walk you through how to improve your cash flow. You’ll also receive the following tools:

  • A cash conversion cycle calculator to calculate your current cash cycle. It will show you how much cash and profits could go up if you decreased the cycle time.

  • A 12-Month Excel cash flow projection template with step-by-step video instructions on how to fill it out.

  • A guide on cash flow metrics you can monitor to better understand your cash flow.

What You'll Learn

  • How to speed up cash inflows and slow down cash outflows

  • The key cash flow metrics to monitor to keep a pulse on your company’s cash

  • How to calculate your sustainable growth rate and how to increase it.

Course curriculum

  • 1

    Cash Flow Basics

    • Introduction

    • Cash Flow Basics

    • Conquering Cash Flow: The Complete Guide to Small Business Cash Flow Management

    • Slides and Glossary

  • 2

    Where Businesses Get Cash

    • Where Businesses Get Cash

    • Cash Conversion Cycle

    • Three Tanks of Cash

  • 3

    Analyzing Past Cash Flow

    • Historical Cash Flow Statements

    • Cash Flow Metrics

    • Metrics - Cash Conversion Cycle

    • Cash Conversion Cycle Calculator

    • Cash Conversion Cycle Calculator Example

    • Metrics: EBITDA and Free Cash Flow

    • Tips on Monitoring Cash

  • 4

    Debt and Equity Funding

    • Loans

    • Other Debt

    • Equity

    • Everything in Between

    • Recap of the Four Sources of Cash

  • 5

    Creating a Cash Flow Projection

    • Benefits of Cash Flow Projections

    • Cash Flow Projection Template

    • Ways to Project Numbers

    • Landon's Landscape Documents

    • Overview of the Projection Template

    • Operational Cash Inflows

    • Operational Cash Outflows

    • Modeling Your Options

  • 6

    Increasing Cash: The Art of Managing Cash

    • Speed Up Cash Inflows

    • Slow Down Cash Outflows

    • Manage Debt and Equity

    • Manage Excess Cash

    • Cash and growth

    • Conclusion and Congrats

  • 7

    Wrap Up

    • Help Me Improve This Course

    • Testimonial

What Others are Saying About This Program

"Absolutely fantastic course! Makes me want to delve into this more. Thank you!!!"

"I really enjoyed Rob Stephens's course on Managing Cash Flows. It seemed he covered all bases on how a company can improve and destroy its cash flow position by either effective or ineffective management." 

"Really good overview of this topic, with very useful tidbits."

"The course is good and the instructor knowledgeable with good presentation skills."


I wish you less stress and more opportunities from increased cash flow. I wish you well.


Founder, CFO Perspective

Rob Stephens

Rob Stephens is the Founder of CFO Perspective, where he provides financial consulting and education to small businesses. He has been quoted in Forbes, U.S. News and World Report, Business Insider, Business News Daily, and many other news sources. Rob has a 20-year career that includes serving as CFO for two banks and a health clinic system. He was also Director of Operations at a $4 Billion bank and SVP of Finance of a $2 Billion credit union, where he was Program Manager of an investment advisory group with $170 Million in assets under management. Rob teaches the entrepreneurial finance class to MBA students at Gonzaga University. Rob holds a Masters of Science in Personal Financial Planning and a Graduate Certificate in Financial Therapy from Kansas State University. He received a B.A. in Business Administration from the University of Washington and is a CPA.