作为小型企业主，您需要平衡收入与费用。当您跟踪支出和收入中的模式时，您正在查看业务的现金流。有时，您的现金流量为负。什么是负现金流量？
Cash flow explained
To understand negative cash flow, you first need to have a grasp on the idea of cash flow. Cash flow measures what goes in and out of your business during a certain period. For a healthy cash flow, you need to be able to match changes in income with outgoing expenses.
You record your business’s cash flow on the cash flow statement. The现金流量表将现金分为三类：
商业信用专家和业务信贷内部人士Circle Marco Carbajo的创始人解释了现金流量管理的重要性SBA文章：
For every business, the cash flowing into a company is essential for covering the day to day expenses necessary to operate a business. It keeps lights on and doors open; cash flow is truly the life blood of a business. Unfortunately, it’s not uncommon that companies of all shapes and sizes have to slow business growth due to lack of cash flow needed for expansion.
As you track cash flow, you might notice that you sometimes have more outgoing than incoming cash. Other times, you might have more incoming than outgoing cash. Depending on the inflows and outflows of cash, your business will have positive or negative cash flow.
什么是负现金流量？
Negative cash flow is when your business has more outgoing than incoming money. You cannot cover your expenses from sales alone. Instead, you need money from investments and financing to make up the difference.
负现金流对新业务很常见。但是，您无法维持长期现金流的企业。随着时间的流逝，如果您无法赚取足够的利润来支付费用，您将用光资金。
负现金流对您的小型企业意味着什么？
有时，负现金流意味着您的企业正在亏损。在其他时候，负现金流反映出收入和费用的时间不佳。
You can make anet profitand have negative cash flow. For example, your bills might be due before a customer pays an invoice. When that happens, you don’t have cash on hand to cover expenses.
You can’t reinvest cash into your business when you have negative cash flow. Instead, your goal becomes trying to keep your business afloat. Negative cash flow makes it difficult to grow your business.
负现金流量示例
以下现金流声明显示了一家企业的年现金流。从声明中，您可以看到该业务具有负现金流。该业务支付的费用超过收入的费用。
现金流量表
| 操作 | |
| Cash receipts from customers | $70,000 |
| 现金已付 | （$ 50,000） |
| Investing | |
| 出售车辆的现金收入 | $10,000 |
| 现金已付for equipment | （$ 15,000） |
| 融资 | |
| 现金支付的贷款付款 | （$ 20,000） |
| 现金净减少 | （$ 5,000） |
Figures in parenthesis are negative.
管理负现金流量
长期现金流对您的企业的财务有害。您可以采取几个步骤来改善现金流。尝试以下提示小型企业现金流量管理。
＃1。看源
First, find out why your cash flow is negative. Determine whether you have a loss from your operations, or if your income and expenses do not match up.
Negative Cash Flow from Operations
To find the source of negative cash flow, subtract payables from your receivables.
应收账款 - 付款
如果您的应收账款减少您的应付额会导致负数，则您的运营现金流量为负。您的收入金额少于您必须支付的费用。您的销售量太少，或者花费太多。
如果应收账款负付款是正面的，那么您将亏损，因为您的收入和费用不匹配。您需要调整费用和收入的时间。
资产负面现金流量
另外，由于其，年轻的公司可能更有可能从资产产生负面现金流。投资固定资产like land or equipment. Cash flow from assets can be found by subtracting capital spending and additions to net working capital from your operating cash flow.
Operating Cash Flow – Capital Spending – Net Working Capital
资产的负现金流量负面现金流，这表明您将更多的钱投入到公司的长期成功中，而不是实际收入。
＃2。协商付款条款
你设置发票付款条款与您的客户一起，他们知道何时付款。而且，您同意供应商的付款条款，因此您知道何时付款。您可以尝试调整这两种类型的付款条款以改善现金流。
For customer payment terms, shorten the number of days customers have to pay you. For example, if you currently give customers 45 days to pay you, shorten the number of days to 30. You should receive invoice payments faster.
Also, talk to your vendors about your payment terms. Certain供应商的类型may be willing to give you a longer amount of time to pay invoices. Or, see if the vendor will give you a payment plan and split the balance due into smaller amounts.
#3. Talk to lenders
To make up for low sales, you might need to turn to investments or financing. You can apply for a小企业贷款通过您的银行。这小型企业管理还支持满足的小型企业的贷款SBA贷款指南。Having the SBA seal of approval should make it easier to secure a loan from the bank.
You could open a商业信用卡支付费用。在签署协议条款之前检查利率。快速偿还信贷，以避免累积债务。
＃4。减少运营费用
审核您当前的运营费用，以查看是否可以减少或消除。确保您不会为经营业务所需的产品和服务支付太多费用。与其他供应商一起购物，看看您是否可以获得更好的交易。
#5. Increase sales
引入更多的销售也将改善现金流。您可以以折扣价出售旧库存。
Hold sales and events that encourage consumers to buy larger quantities. You can also expand your business operations. For example, add additional offerings or open your business to online sales.
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