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Cash Management

Provided by Buzgate.org Small Business Resource Referral Network, content partner for the SME Toolkit.

Improve your company's cash flow by managing your credit profile. Your business credit affects the payment terms you receive from suppliers, the interest rates you pay on loans, and the insurance premiums you pay for worker's compensation.

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Why Cash Management

"Cash is king" for a small business. The more cash you put into your business and the less you pay out, the more successful the business. Your Business Credit Profile is one of the most important tools for improving cash flow because it determines...

  • How much money lending institutions will loan you
  • How much money investors will give you
  • How much credit a supplier will extend you
  • What interest rate you will pay on loans
  • What insurance premium you will pay for worker's compensation
  • How long suppliers will give you to pay invoices

The sooner you start taking control of your Business Credit Profile , the sooner you can leverage your business credit to improve your cash flow.

How Others Benefited

Learn more about how other small businesses have benefited from managing their Business Credit Profile :

Cash Flow Basics

Improving your cash flow is similar to improving your ability to close a sale. To improve your sales effectiveness, your sales brochures must present your products and services favorably. To improve your cash flow, your Business Credit Profile must present your business favorably to customers, suppliers, lenders, investors and insurers. A favorable credit profile can enable you to inject more cash into your business by receiving a bigger loan or attracting more money from investors. At the same time, a strong credit profile can enable you to keep more cash in your business by paying lower interest rates, paying lower worker's compensation premiums, and paying suppliers over 30 days instead of cash on delivery (COD).

To learn more about establishing and managing your Business Credit Profile , D&B has established a toll free number, 1-866-487-4665, where you can speak with a credit specialist who will customize a solution to meet your company's needs.

How to Improve Cash Flow

Below are a few ways that you can improve your cash flow by proactively managing your Business Credit Profile . Remember, your business credit affects the interest rates you receive from lenders, the payment terms you receive from suppliers and the premiums you pay for worker's compensation insurance. Call 1-866-487-4665 to speak with a D&B credit specialist for personalized assistance.

  • Establish Your Credit
    • Open a business line of credit
    • Secure a business credit card
    • Establish payment terms with suppliers
    • Obtain a D&B D-U-N-S® Number, an internationally recognized business identifier that helps others evaluate doing business with you.
    • Build a complete credit profile with CreditBuilder, a D&B service that allows you to specify 5 trade references to quickly establish your company's credibility
  • Monitor Your Credit
    • Review and update your credit profile any time online through D&B's eUpdate service to ensure your information is accurate
    • Use D&B's SelfMonitor service to understand, monitor and effectively manage your credit profile
  • Improve Your Credit
    • Make payments on time for all of your business's financial obligations
    • Review and update your credit profile any time online through D&B's eUpdate service to ensure your information is accurate
    • Use D&B's Payment Investigation Service to add 5 trade references to your credit profile to more accurately portray your creditworthiness
  • Protect Your Credit
    • Make payments on time for all of your business's financial obligations
    • Use D&B's ActivityScope with Monitoring service to look out for unusual activity by tracking inquiries on your credit profile

10 Great Reasons for Managing Your Business Credit Profile

  1. Improve your cash flow
  2. Establish credibility through a solid credit foundation
  3. Receive favorable credit terms from suppliers
  4. Monitor your credit profile to look out for unusual activity
  5. Review and update your credit profile to ensure it accurately portrays your business
  6. Track inquiries on your credit profile to see who pulls your credit report
  7. Add trade references to improve your credit profile and receive better terms from lenders and suppliers
  8. Understand how your credit compares with your competition to improve your negotiating position with lenders and suppliers
  9. Improve your standing with suppliers by protecting your credit profile
  10. Receive customized solutions to meet your company's needs by speaking with a D&B credit specialist at 1-866-487-4665

Additional Tools

As the world's leading provider of business information, D&B offers the following additional services to help small businesses improve their cash flow:

Where to Begin

D&B has established a toll free number, 1-866-487-4665, where you can speak with a credit specialist who can customize a solution to meet your company's needs.

About Your Sponsor


"Dun & Bradstreet maintains the world's largest business database containing information on more than 100 million businesses worldwide including 38 million in the United States. D&B is, by far, the leading provider of business information for credit, marketing, and purchasing decisions worldwide. Today, more than 150,000 companies of all sizes rely on Dun & Bradstreet to provide the insight they need to build profitable business relationships with their customers, suppliers and business partners."

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Note: This information is presented to provide a general overview of small business options and related services. It is not intended to be an exhaustive representation. Data has been compiled by the Knowledge Institute for informational purposes only. Content is provided on an "as is" basis and is not intended to, nor does it, provide advice or create a customer relationship between the Knowledge Institute, BUZGate™ and/or any other organization named herein, and any reader.

Copyright (c) Knowledge Institute, Inc., 11 Court Street, Exeter, NH 03833, USA
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