Cash flow is the lifeblood of any business. Every successful company needs a steady source of income and cash on hand to pay bills and, most importantly, to make payroll. Unfortunately, many business owners struggle with cash flow problems. According to a recent survey: 28% of small business owners say they lose sleep over cash flow problems. 32% of small business owners have experienced cash flow related problems, such as postponed hiring. 48% of small business owners say they pay others before paying themselves. Once a sale is made, YOU assume cost of time and materials for the product or service. If you don't collect on that sale, you're worse off than if you never made the sale in the first place.