The One Thing That Will Make or Break Any Small Business, by Vives Pons & Asociados

growth-business in Spain and Costa Blanca

You founded your business on a great idea, and you execute on that idea superbly.
But to stay successful, there’s one more critical thing you need to do: get on top of cash flow before it gets on top of you. It’s the reason companies with perfectly respectable paper profits can plunge into bankruptcy. Why?

More customers = more complexity

The quick answer is that running a business, even a very profitable one, costs money. You might be seeing growing sales and happy customers, but you’re also spending on materials, staff and premises while servicing finance.

When businesses grow, they quickly become more complex. This complexity makes it more difficult to see the cash position now, and forecast what it will be in weeks’ and months’ time.
When you have just a few customers, keeping on top of their payments is fairly easy. You can do it in your head. But if you have hundreds of customers, who’s checking when they will all pay? Do you know if they’re paying late? Is anyone chasing them for payment?

Manage spend wisely

The same applies to spending. Understanding cash flow is critical when working with suppliers. You need to understand how many suppliers you have, what you pay them, and when.
For example, do you spend more with a supplier to get a high-volume discount on materials, or keep hold of cash and buy in small amounts at a higher price? It’s impossible to make these decisions without knowing and forecasting your cash position.

Timing capital investments

Meanwhile, growing businesses require more capital. At some point, if you’re ambitious, you’ll need to make some big decisions. When do you need larger premises? When do you need a bigger IT system? If you’re making things, do you need more machinery? Do you need to hire more people?
You’ll need to make these investments if you are to keep your customers (and your employees) happy. Crucially, you’ll need to do so before they pay you. And it would be suicidal to do so if you don’t understand the cash position of the business, now and in the future. Remember you’ll also need to keep the business running day to day, spending on bills, taxes, small items, travel and rent.

Don’t lose sight of cash

Small business owners are often very focused on gaining new customers and satisfying the ones they have.
The problem is, if no-one is focusing on liquidity, things can go wrong very quickly. If two customers fail to pay substantial invoices in the same week you settle a big supplier bill, you have to hope the bank will extend your finance. If it doesn’t, you could be in trouble.
It’s worth repeating that this frequently happens in otherwise successful, growing businesses – and often causes their downfall.

Get a cashflow forecast in place

Accountants will tell you that cash flow problems rarely occur out of the blue. The chances are the warning signs have been there for a while, but no-one has noticed them.
The vital question is: do you know what your cash position will be in six months’ time? If not, you may struggle to cope when things go wrong. If you can forecast that far forward, and it doesn’t look good, you still have time to put in place a strategy to make it through the difficult growth period.

And it’s important not to confuse the bank balance with the cash book. Managing the business from the bank balance is like driving a car by looking only in the rear view mirror. You’re seeing what’s gone past, not the pothole you’re about to hit. A good cashbook will lead to better forecasting.

The right tools can help

The tools for efficient bookkeeping are getting easier to use and are available, via the cloud, on a pay-as-you-go basis. Conquering cash flow won’t hold you back; it will be a catalyst for driving the business forward. Doing it proactively is more efficient than firefighting, and gives you more time to spend with customers and keep the business growing.

How comfortable are you with your bookkeeping?

No matter what kind of work you do, if you want to succeed running small business you need to master the books. But how are you finding that task? Take our quiz to understand your style of financial management and get tips on how to improve.

Vives Pons & Asociados provide you financial advice, tax planning and teach you to manage your own accounts.
Contact us Now!!!! We can prepare a free report of your financial position.

Vives Pons & Asociados-Lawyers provides you the best Conveyance in Spain

Vives pons tax planning and conveyance in Costa Blanca

Vives Pons & Asociados has a team of specialist lawyers covering all aspects of law, focussing on either residents or international investors. We cover general and specialised areas of law, with a renowned experience in real estate, conveyanceinheritance and new business incorporations, especially in Spain and in the UK.

Property purchase package for residents and non-residents in Spain

Conveyance in Spain and Costa Blanca

Thanks to Vives Pons & Asociados, residents and non-residents Costa Blanca can get the best advice for business, property intermediation and conveyance in Spain. Actually, we provide them a very interesting property purchase package. Have a look to the conditions and included services:

Property Purchase Package

  • Preparation of a TOTAL COST estimate for the transaction, including taxes, notary and registry fees, etc.
  • Meeting with a LAWYER to explain the process and cost involved (notary and registry fees, taxes, NIE, etc.).
  • Meeting with an ACCOUNTANT to advise on fiscal obligations and the different Spanish and the Valencian Community taxes.
  • Checking for mortgage charges and outstanding utilities: land registry and building administrator searches; habitation certificates, building licences, etc.
    Checking ownership and Catastro status of the property.
  • Searching for liens, charges or encumbrances with the appropriate land registry.
    Drawing up a private contract for purchase-deposit-reservation and assistance at the signing.
  • As necessary, receipt of funds into our client account and onward transmission.
    Preparation of the title deeds and assistance with the signing at the notary’s office.
    Order and receipt of cheques for completion of the transaction.
  • Payment of taxes and registration of the title deeds with the corresponding land registry.
  • Change of title and setting up direct debits for utilities (water, electric, gas, etc.) local rates and taxes.
    Application for, and payment of, Plusvalía (local rate) tax.

Vives Pons & Asociados-lawyers: the best conveyance in Spain for your business and investment in Costa Blanca (www.vivespons.com)

Contact with Vives Pons & Asociados-Lawyers by telephone (96 643 2624) or emailing us: salvador@vivespons.com

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The best team for your conveyance in Spain is Vives Pons: Enjoy the Costa Blanca!

Vives Pons Homes helps you for the best conveyance in Costa Blanca

Vives Pons & Asociados makes your life easier in Spain. Let us help you to get the best investment in the Costa Blanca. Vives Pons has a wide experience and a multidisplinary team ready for everytinhg you need to do bussiness because we are experts in conveyance and Property Intermediaton Package.

Here you have some of the services which we offer in towns such as Denia, Javea, Moraira, Benitatxell, Els Poblets, Oliva, Calpe, Altea o Alfaz del Pi. All of them are include in special purchase packages depending on your enquires and needs, because we are able to adaptourselves in order to offer exactly what you are looking in each occasion for the best conveyance.

project building and conveyance in Spain

Services included in the Property Intermediaton Package of Vives Pons

  • Preparation of a TOTAL COST estimate for the transaction, including taxes, notary and registry fees, etc.
  • Meeting with a LAWYER to explain the process and cost involved (notary and registry fees, taxes, NIE, etc.).
  • Meeting with an ACCOUNTANT to advise on fiscal obligations and the different Spanish and the Valencian Community taxes.
  • Checking for mortgage charges and outstanding utilities: land registry and building administrator searches; habitation certificates, building licences, etc.
  • Checking ownership and Catastro status of the property.
  • Searching for liens, charges or encumbrances with the appropriate land registry.
  • Drawing up a private contract for purchase-deposit-reservation and assistance at the signing.
  • As necessary, receipt of funds into our client account and onward transmission.
  • Preparation of the title deeds and assistance with the signing at the notary’s office.
    Order and receipt of cheques for completion of the transaction.
  • Payment of taxes and registration of the title deeds with the corresponding land registry.
  • Change of title and setting up direct debits for utilities (water, electric, gas, etc.) local rates and taxes.
  • Application for, and payment of, Plusvalía (local rate) tax.

Aditional Services also offered by Vives pons:

  • Applying for and obtaining N.I.E. numbers.
  • Power of attorney
  • Wills.
  • Full Structural Surveys.
  • Valuations.
  • Non Resident Tax.
  • Resident Tax.
  • Building legalisation.

Let us help you. Give as a call (telephone number: 96 643 2624) o emailing us: info@vivespons.com It will be a pleasure welcome in our office, as well: We are in the center of Denia (Pare Pere Street and Marques de Campo Street, beside Tasca Eulalia restaurant).