When Cash Flow Breaks Down
Most businesses don't fail because they lack customers. They stumble when unexpected expenses hit and there's no cushion. Our autumn 2025 program walks through building contingency buffers that actually work when suppliers demand payment or equipment fails mid-project.
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Common Financial Pressure Points
These situations hit businesses regularly. The difference between surviving and scrambling often comes down to planning done months earlier.
Client Payment Delays
Your biggest client pushes their invoice 60 days out. Meanwhile, your team's payroll doesn't wait. Having a buffer means you don't panic or make desperate decisions that hurt long-term relationships.
Equipment Failures
That critical printer or server goes down on a Friday. Repairs cost three times your usual monthly IT budget. Businesses with reserves handle this as an inconvenience rather than a crisis that derails operations.
Seasonal Revenue Dips
February and March often slow down across many sectors. Fixed costs like rent and insurance don't care about seasonal patterns. Smart contingency planning smooths these predictable valleys.
Building Your Buffer System
This isn't about complex formulas. It's about creating practical reserves that match your actual business patterns and risks.
Map Your Real Expenses
Start by tracking three months of actual spending. Not what you think you spend – what actually leaves your accounts. Include the irregular stuff: annual software renewals, quarterly tax payments, that insurance bill that hits once yearly.
Identify Vulnerability Windows
Look at when revenue typically drops or when large payments cluster. Maybe you have three insurance policies that all renew in the same month. Or you know summer means fewer orders. These patterns tell you where buffers matter most.
Calculate Realistic Reserves
We work through formulas that consider your fixed costs, typical payment delays, and industry-specific risks. A consulting business needs different reserves than a retail shop. Your buffer should reflect your actual situation.
Set Up Automated Accumulation
The best contingency plans build automatically. You'll learn how to structure accounts and transfers so reserves grow without requiring constant attention. Set it up once, then let it work in the background while you focus on operations.
Theron Wickham
Theron spent fifteen years managing finances for manufacturing operations across Victoria before transitioning to education. He's seen what happens when businesses face unexpected supplier price increases or equipment failures without adequate reserves. His approach focuses on building contingency systems that feel manageable rather than overwhelming – because a plan you'll actually follow beats a perfect plan you'll ignore.
The autumn 2025 program runs eight sessions starting late September, with practical worksheets you'll apply directly to your business situation. Sessions meet Tuesday evenings, with optional weekend workshops for deeper financial analysis work.
About Our Approach
Workshop Sessions Begin September 2025
Limited to eighteen participants to allow individual attention on your specific business situation. Registration opens June 2025.
Contact Us About Registration
linarurone operates from 4 Honeysuckle St, Bendigo VIC 3550, Australia. Reach us at +61393255000 or info@linarurone.com for questions about program structure, scheduling, or suitability for your business type.