Low interest rates and a hot housing market mean significant opportunities for professionals in the commercial and residential remodeling industry. Yet, maintaining cash flow can prove to be far more challenging than marketing your services, winning jobs, or completing them on time and on budget.While the remodeling industry is inherently exposed to macroeconomic factors you can neither predict nor control, there are industry-best practices you can implement into your remodeling business to ensure your cash flow doesn’t suffer or put you at risk of financial instability.

Here are a few tips to help you manage your remodeling business’s cash flow:

Don’t use your cash flow as a financing tool

Remodeling business owners and contractors commonly use their anticipated cash flow from future jobs, or money from personal savings, as a way to finance current projects. While it’s a low-cost form of financing, it requires that you bear significant financial exposure to downturns in the market or an unexpected drop in business. Cash flow can help your business survive in terms of decreased demand, if it’s liquid and accessible. Instead of using your cash as a financing tool, consider other alternative financing options such as low-cost merchant cash advances, or equipment-based asset financing options that give you affordable access to the amount of cash you need to do your work.

Establish appropriate deposit and billing cadences

If a client hires you and then files bankruptcy or decides it isn’t going to complete the project, you may have no way to collect the amount of money you’ve invested into materials, labor, equipment and similar supplies without taking legal action.Protect your assets proactively with definitive client policies and processes: Some remodeling businesses require an upfront deposit of up to 50 percent of the total job amount before work begins. Once the job is underway, bill for specific percentages of the total amount due at various points in the project.

Expedite invoicing and payment collection

Issue invoices electronically to reduce hard costs, expedite the amount of time it takes to prepare and send them, and simplify the process of sending payment reminders. Include your payment policies with invoices, which may include “due upon receipt” or “net10” terms. If you don’t accept credit cards, consider doing so. You may pay a small fee for the service, but it could mean invoices get paid much sooner than they would otherwise.

Get familiar with accounting basics

Accounting experts in the remodeling industry say percentage of completion accounting is critical for all remodeling business owners to use and monitor, as it has a direct impact on cash flow. Invest in software that makes this figure easy to calculate (you’ll essentially divide costs to date by total estimated costs to arrive at the percentage complete for each job). Monitor the percentages for all your jobs consistently so you’re not faced with surprise cash flow shortages when a job’s timeline or budget changes.

Create a backup plan

At minimum, develop four to six weeks of rolling cash flow projections so you have a real-time understanding of your business’s financing standing. Aim to have six months of cash flow reserves (based on your operating expenses) saved in a liquid and interest-bearing deposit account that you can access in case of emergency.

Analyze your sales cycles

Major remodeling projects may come with a bigger dollar amount, but smaller jobs may require that you invest far less time and resources to quote, complete, bill and collect payment. Monitor your business’s timelines for turning job quotes into active projects. Analyze your project schedules weekly to determine when factors such as seasonality, demand or economic trends may demand that you diversify your workload in order to maintain optimal cash flow.Cash flow management may be a challenging aspect of owning a remodeling business, but it isn’t a task that requires you to stay in a reactive mode. Implement these best practices to build a financially stable remodeling business that will thrive.For more information about managing cash flow, check out 5 Best Practices To Help Manage Your Small Business Cash Flow.

About the Author: Tim Roach is a co-founder of Lendr, a provider of merchant cash advances for small to midsize businesses. Roach holds a B.S. in Finance from Linfield College, and served in the United States Navy at Seal Team One. Before joining Lendr, Roach founded Oak Street Trading, a proprietary trading firm, in 2002. 

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  1006. When you are traveling to another country it is crucial for you to be as safe as possible possibly be. The guidelines which can be presented in the following article should offer you a sense of what you need to prevent. It is best to be safe than sorry in relation to worldwide vacation. Provide apparel which is suited to vacation. This means goods that one could scrub and free of moisture inside the hotel room, and therefore won’t wrinkle from getting oxygen-dehydrated. Also, bear in mind that one could purchase garments along the way, and it will surely almost certainly be ideal to the weather and tradition of the location. If you’re likely to be venturing by oxygen, make sure you don’t placed any belongings or electronic products with your checked out travel luggage. Luggage handlers aren’t known to be soft as well as electronic devices may end up destroyed throughout carry. Airlines can also be recognized to lose luggage and you don’t would like to take a chance of losing anything important. When loading baggage for your personal vacation, shop your stockings in footwear. Should you be packing a couple of set of footwear to your trip, help save place again packing your stockings and pantyhose within them. Stockings and pantyhose will take up a surprisingly great deal of space with your travel suitcase if loaded independently. If you travel be sure you require a travel-sizing container of Febreeze or similar product in your purse. The one who sat within the chair of the aircraft, bus, or train prior to you may not have gotten time and energy to bath well before seated for a long air travel. Steer clear of spending your trip smelling the previous passenger’s system odor by spraying your chair with Febreeze. When choosing getting a great look on your feet when you are over a airplane drive, take into account that you will be most comfy in shoes that fall off easily. Crocs or turn flops are best because they can be taken off or put on in an instant. Now you ought to be much more ready when it comes to traveling. You must now be a specialist on how to proceed and things to package for all your trips! The ideas which were presented need to help you journey more intelligent and also have a far more satisfying time.

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  1014. Traveling is a fantastic thing to do. It broadens your horizons, lets you meet new people to see new places which is a great way to take some time off and away to alleviate stress and blow away heavy steam. Journey may also be tough and risky, nevertheless. Keep reading to find out what you need to know when you are traveling. When traveling, you may prevent hassle and reduce vacation hazards by mixing in. Don’t put on costly jewelry or area-certain fashionable brands that label you being a traveler. As an alternative, make an effort to dress like the locals do, and don’t highlight on your own. Regionally-owned and operated businesses and lodging are significantly less probably be a target for terrorists and pickpockets likewise. Create an account your travel plans and contact specifics with the authorities vacation organizations. Although it might appear intimidating to get the govt know your programs, it is a smart strategy. Besides this make it possible for your family members to make contact with you with regards to an emergency, nevertheless it can aid with your rescue when you turn out to be shed or come with an crash while on a trip. Package your very own pillow. For those who have sleep disorders out of the house, try out taking your personal pillow along. A lot of people struggle to sleep at night in the bed that isn’t their own personal. Possessing a common pillow beneath your go can produce a surprisingly big difference. It could indicate the visible difference among sleep deprived times and being effectively well rested for an additional day time loaded with actions. Search for “nonstop” as opposed to just “immediate” routes. Nonstop journeys, as their title implies, make no stops well before arriving at the vacation spot, in contrast to immediate air flights may possibly cease at other international airports on how you can the final destination. While you are certainly not shifting planes, the stops you make over a straight airline flight can result in a lot of unpredicted delays. Be sure to examine your visa or mastercard document once you stop at a accommodation. Regardless of whether your costs is appropriate once you pay out at check out, added fees might discover their distance to your transaction. Sometimes areas get expenses a second time by accident or another guest’s expenditures will receive wear your money. If this takes place, phone the hotel’s billing department right away. The standard of a holiday is tremendously influenced by how good prepared and knowledgeable you are. Reading through these tips is only the commencing and you still need some try to do. You must nevertheless learn as far as possible about where you are going and be sure to produce your a reservation on time. Get pleasure from your vacation!

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  1016. When you plan traveling, you desire to make certain that your trip moves as effortlessly as is possible. Whether you are planning a weekend vacation or possibly a journey worldwide, don’t allow nearly anything get in the way of your satisfaction. The tips in the following paragraphs may help you make sure you get the most from your vacation. Pack your suitcases in such a manner that it will be maintained, for pretty very long distance. You’ll be jogging together with your suitcases more often than you might think. A lighter case can make your journey easier, less dangerous and much more entertaining for yourself than when you are carrying huge case. In case you are touring on a tight budget, use the in-place amenities in order to cook your very own meals. The coffeemaker that may be normally presented in even cheapest rooms in hotels can be used as a popular plate. You may warmth simple normal water from the carafe for ramen or soups, or make use of the warm dish itself to make bacon. Going with a suitcase containing no dividers or pockets it is possible to divided your clothing up in might be difficult. A terrific way to get around this challenge is as simple as putting a bit of cardboard involving distinct apparel choices or goods. Not only will you be able to separate your things, nevertheless, you will come out searching a lot more organized. When you know you will end up on an airplane to have an extensive timeframe, be sure you outfit for the occasion. Putting on small denims will never be cozy and can make you dismal at the end in the drive. Attempt sweatpants or even a free appropriate cotton dress. When deciding getting a great look on your own toes when you are on a airplane journey, keep in mind that you will certainly be most secure in footwear that move off very easily. Crocs or flick flops work best because they may be taken off or put on right away. There are a variety of fun and fascinating points to see in other countries around the world just make sure do not know the nation well it could be dangerous. The standard that has been offered above need to assist you to traveling safely and in order to fully stay away from your visit in an additional country.

  1019. Aw, this was an incredibly nice post. Taking a few minutes and actual effort to create a superb article?but what can I say?I procrastinate a whole lot and never manage to get anything done.

  1020. Thank you for some other informative site. Where else may I am getting that kind of information written in such an ideal way? I’ve a challenge that I am simply now operating on, and I have been at the glance out for such info.

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  1026. Traveling by yourself can be an amazing experience, however it is not with out risk. There are numerous actions you can take to aid keep your protection while you travel solo. This post provides many tips to assist your vacation be unique. When loading for your personal vacation, create a list of the fundamentals and stay with that listing. Pack beforehand if you can. When you merely toss every one of the things you believe you’ll require into the travelling bag the night well before, you’ll end up having around-measured hefty suitcases that will be challenging to transport. As an alternative to going a place a long way away, try to find community tourist attractions that you can travel to. Not only will you conserve time and cash, but furthermore you will be helping local businesses along with your neighborhood economic climate. If you require suggestions, call your nearby visitors bureau for recommendations on near by activities for your household. Consider training ahead of traveling by air. It’s boring needing to sit down by way of a extended flight. Staying in a stationary supplies position might cause rigid muscles and cramping. Developing a quick work out or, at the minimum, stretches just before a flight helps to reduce or eradicate leg cramps and soreness. If you can manage to journey by chopper, this may be one of the ideal strategies for traveling from which to choose. It is more private than other atmosphere travel and every bit as speedy. In addition, it allows you to avoid very long outlines or waiting all around in large airports. A plastic-type material shoe coordinator over your hotel front door is able to keep you arranged. It is not easy to be organized away from home, with minimal to no storage area besides your luggage. Placed an coordinator more than your bathroom front door if you get there, the type together with the very clear pockets is best. You can use it to hold your basics whilst keeping them where by it’s an easy task to identify. Have you any idea where to start your own personal vacation prepare now? Can you now get a place to begin with it? Are you aware what is perfect for you and your budget? Provided you can now give techniques to these concerns, you then have read and recognized the earlier tips and will be ready to program greater trips.

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  1028. Taking a cruise is the best way to see numerous locations once you journey. A cruise ship gives many different activities, and lets you discover many areas. On this page, there are actually suggestions that will help you completely appreciate your trip. If you are intending a visit in another country, make sure you get your passport well ahead of time. Many people take too lightly how long it will take to get a passport for the first time and they are still left scrambling and spending extra fees to have it expedited. Prepare for your passport for taking 6 to 8 days to reach, particularly in top travel time of year. Should you be vacationing with just about any prescription medication, which include birth handle pills, you should keep these with their unique boxes with labeling. It is also beneficial to obtain a notice through your doctor saying that you have a healthcare desire for the products. Using this method, you cannot be charged with medicine smuggling. When you are planning to travel where you can incapacity, ensure that you phone the air travel before you order your seat tickets to make sure that they have the requirements you need. They won’t know if you don’t let them know, get in touch with ahead so they would be best in a position to cater to you. When deciding on baggage, take note of the simplicity of transporting it around extended ranges. A durable steel rolling travel suitcase is often best. Some rolling luggage have even bands that permit them to be used as a back pack via areas where you can’t roll them. Both you and your baggage will probably be strolling for a longer time miles than you imagine. When deciding what to wear on your ft . whenever you go on the aircraft journey, understand that you may be most secure in shoes or boots that fall off of quickly. Crocs or flip flops would be best since they could be taken off or place on right away. A luxury cruise is a fantastic method to traveling. The greater number of you vacation, the more effective you will definitely get at it. By applying the suggestions presented on this page, make no mistake that your particular journey is going to be calming and exhilarating concurrently.

  1029. There is a lot of information available ,on each and every travel issue imaginable. Wading through this all details to find the best pearls of information, can be a hard job to use on. Luckily, we certainly have put together among the best details available to make the journeys as fulfilling as is possible. When venturing out of the country, make sure somebody back home features a comprehensive version of your schedule. Make certain they understand exactly where you’ll be keeping and have a way to make contact with you in the case of an urgent situation. This can be very good around the off scenario that anything happens to you they may locate you. When reserving a hotel stay, be sure to request once the accommodation was last constructed or remodeled. A small-cost motel that’s new might be a more sensible choice than an old developing connected to an excellent title. Keep away from reduced-stop and the middle of-collection lodges that haven’t been refurbished in additional than 5 or six several years. A lot of out of the way locations are usually neglected for vacations. For instance, when St. Thomas inside the Caribbean is exceedingly well-known, with very little extra work 1 can create a trip to Vieques from Puerto Rico rather. It provides a lot of the very same amenities, is far less populated, and definately will create your vacation appear considerably more unique! When taking a road getaway, by natural means you’re likely to pass stuff that appear exciting that someone in a vehicle may possibly a person to end and discover. However, you can’t always cease at each and every fascinating location or even your getaway would not conclusion. As an alternative, give every single fellow member a “Cease Credit card.” By doing this if one thing shows up that they would like to end to see, they can use their greeting card, and also the entire family can stop, no concerns asked. You may choose how a lot of each individual receives, for the way enough time you might have. With any luck ,, you may utilize these tips for your own journeys. Having fun when you are apart is unquestionably an important objective. Utilize the info out of this article if you journey following. You are now ready to experience the field of traveling. Your vacation spot and fun experience watch for you.

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  1049. Even if you feel as if you might be a professional with regards to vacation, you will always find a lot more items to understand. Which is where subsequent article is necessary. You may be offered info that you can take in your next trip, whether it be for company or enjoyment. To completely obtain a feel for where you stand holidaying, follow the local people. Several top travel destinations commence to feel very generic and touristy. By inquiring all around and getting in which those who live there spend time, you will definitely get a far more authentic feel for the spot, so when an additional benefit, avoid the selling price markups that plague tourist popular locations. Always bring a private group of earplugs. Whether it is a child crying two lines prior to you or perhaps irritating individual resting close to you who wants to go over his dream from yesterday evening from the aircraft crashing, it always will help to have a way to drown out that extraneous sound. Should you be traveling street-vacation type and you will have a wise phone, try out installing programs like GasBuddy so that you can lookup what gas stations hold the more affordable rates before getting into community. Investing 10-11 cents far more for each gallon can add up to quite a lot of extra cash that you could be investing somewhere else. Try out your greatest to bring along your entire valuables in as little amount of suitcases as possible. You don’t want to bring 5 hand bags of luggage along about the plane and overpower your self. Attempt to fold and tuck items into areas where you may make more space with out doing harm to one of your items. A plastic-type material sneaker coordinator around your resort entrance is able to keep you structured. It is sometimes complicated to be arranged away from home, with little to no storage area besides your suitcase. Placed an coordinator around your bath room front door when you arrive, the type with the very clear wallets is advisable. You can use it to save your necessities and keep them where by it’s an easy task to identify. Given that you’ve went more than almost everything you will need to find out prior to taking your holiday, you’re good to go enjoy yourself! Vacationing can be loads of fun in addition to being a effective course of action. Whatever the reason, it’s always essential to be safe and well prepared. Possess a great trip!

  1050. There exists much to discover traveling and as soon as you and utilize this knowledge you are able to travel successfully. There is a good amount of details available on the internet, however not everything you read will relate to your specific scenario. This article will give some of the best ideas acknowledged in regards to travel. Vacation might be a good way to escape from everything, but sometimes it is necessary to get in touch with the rest of the planet. For this function, ensure your mobile phone operates where ever you might be moving or get a prepaid cell phone with your spot land. You will be glad you probably did if you drop your bank cards or passport and desire get in touch with your financial institution – or embassy! – immediately. When traveling into a strange metropolis, generally know about your setting. Both, really occupied and intensely quiet streets, can hold included risk. Vacationers that are hectic gawking on the scenery could change to get their wallet eliminated. Generally check to see who may be close to you and take notice, if you feel like somebody could be following you. When you are going to a region where plain tap water choices strange for your needs, try using the resort ice-cubes equipment to acquire your h2o. The ice-cubes models make use of drinking water filters, therefore the top quality is way better nevertheless, you don’t need to deal with the fee for bottled water. This can be used your coffee machine in the room together with other cocktails. Some of the most exotic, intimate travel destinations are in places vunerable to disasters. Particular calamities are periodic – delayed summer time and tumble are hurricane period from the Caribbean, for instance. Travelers headed for areas which may be at the mercy of periodic calamities should be aware of that fact, in the event they find themselves in an evacuation condition. When figuring out what to wear on your own toes when you are with a airplane trip, understand that you will be most cozy in shoes or boots that fall off effortlessly. Crocs or flip flops are the best because they may be taken off or wear immediately. Since you now have got plenty of wonderful tips, you will have an easier time planning upcoming travels. Other travelers will feel you happen to be experienced when issues occur and also you manage them well. When you implement these guidelines when you travel, your trip is going to be comforting and get worried-totally free.

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