Sounds like your operating to close to your limit with ar & ap. You need to look at where and when you money is spent. With a cash reserve you don't run into that problem. " my money is spent before I get it". Look to minimize your output & if you pay employee's you may want to stream line them to make them more productive. In addition. Late fees and interest are great motivators. As for credit cards look to Square.com if you have a smart phone it's easy
Last edited by NB Lawncare; 09-04-2012 at 08:18 PM.