One of the biggest worries for small-business owners is dealing with fluctuations in cash flow. Nathan Perry’s five-year-old New York City catering business has had to operate with up to $30,000 in unpaid customer invoices at any given time, for instance.
Such gaps in cash flow — or so-called “lumpy money” — can make it difficult for business owners to focus on expansion rather than, say, managing payrolls or paying other bills.
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