Small businesses need cash rules before growth gets loud.
This page frames operating reserves, tax cash, owner draws and seasonal planning in a simple, business-owner-friendly structure.
Operating buffer3.9 monthsTarget: 4–6 months
Tax reserve92%Near target
Owner draw safetyStableBased on cash threshold
Seasonality riskMediumReview next quarter
Cash policy
A good cash policy says what money cannot be touched.
Business owners often ask how much cash is available. The better first question is how much cash must remain protected for payroll, taxes, vendor timing and slow revenue periods.