In 2025, entrepreneurs operate in a context marked by inflation, rising interest rates and unstable markets. Cash flow — that is to say the company's ability to have sufficient liquidity to meet its obligations — is more than ever a major issue.

How do you stay in control of your cash flow despite an unpredictable environment?
Here are the essential levers to put in place to stay solid.

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1. Monitor your cash flow in real time

A common mistake entrepreneurs make is to look at their cash flow only once a month, or even once a quarter.
Today, it is essential to:

• Follow up on your receipts and disbursements on a daily basis,
• Anticipate recurring expenses (social security contributions, salaries, rents),
• Quickly identify the differences between forecasts and reality.

👉 Modern tools like Klark, with its centralized cockpit, allow you to aggregate your bank accounts and financial flows to have a clear and instant vision.

2. Anticipate off-peak periods

Healthy cash flow depends on the ability to predict peaks and troughs in activity. For this:

• Build a cash flow forecast at 3-6 months
• Identifies critical moments (VAT, supplier deadlines, seasonality),
• Set up safety reserves (ideally 1 to 3 months of charges).

3. Optimize collections and limit payment deadlines

A customer who pays late means a weakened cash flow. A few levers:

• Invoice quickly as soon as the service is delivered,
• Impose clear payment terms (installments, 30 days maximum),
• Use automated reminder tools for unpaid bills.

👉 In case of recurring difficulties, you can also use factoring or short-term financing solutions.

4. Reduce and prioritize spending

In times of uncertainty, every euro counts.

• Review your subscriptions and recurring fees,
• Negotiate your supplier contracts,
• Differs non-priority investments,
• Put in place strict budget management.

5. Diversifying your sources of financing

Don't rely on a single channel. In addition to your operational cash flow:

• Explore public funding (Bpifrance, regional aid),
• Open a precautionary credit line,
• Diversify your income (new products, side business).

Conclusion

Cash flow is not just a financial indicator: it is the Pulse of your business. By monitoring it, optimizing it and anticipating the unexpected, you ensure the sustainability of your business, even in times of economic turmoil.

💡 Practical tip: Take 30 minutes every week to analyze your financial flows — a small ritual that makes a huge difference.

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