Are You Planning Your Business Money—or Just Hoping It Works Out? Get my free Business Credit Starter Kit at https://fsbonly.com Episode Summary  If your business cash flow feels unpredictable, your profit feels “random,” and you’re not confident you could walk into a lender meeting with clean answers—this episode is for you. In this 20-minute conversation, S.E. Day sits down with Randall Avery of Deasil Wealth Mmanagement to break down business financial planning in plain English: how to forecast cash, plan profit on purpose, and tighten the financial signals lenders look for. You’ll learn the simple frameworks business owners use to stop guessing, reduce money stress, and operate like a bankable business.AIDA (High-Converting) Attention: If your business got reviewed by a lender tomorrow, would your numbers prove you’re in control—or expose chaos? Interest :Most small businesses don’t fail from lack of effort—they fail from weak planning: unclear cash timing, thin margins, surprise tax bills, and financial decisions made too late. This episode shows you how to build a simple planning system that supports profit, protects cash, and improves fundability. Desire (3 Listener Benefits): - Build a simple cash planning method that helps you see problems before they hit your bank account - Learn how to set profit targets and reverse-engineer your numbers so profit stops being an accident - Understand the financial behaviors and documents lenders expect to see from a “stable, repayable” business Action (One-Sentence CTA to Play):Press play to get a practical financial planning framework you can implement this week to strengthen cash flow, profit discipline, and lender readiness. What You’ll Learn in This Episode - What business financial planning actually is (and why most owners get it wrong) - How planning directly impacts approvals, terms, and lender confidence - The “4 numbers” to track weekly to stay in control - Why a 13-week cash flow forecast is the simplest tool that actually gets used - Payroll planning mistakes that quietly crush cash - How much reserve cash to target and why it changes everything - Profit planning: how to stop operating off “whatever is left” - Tax discipline that prevents emergency borrowing - Smart debt vs. dangerous debt: when financing helps and when it harms - The lender-ready documentation checklist and what your bank statements communicate Guest Randall Avery, CFP /Deasil Wealth Management — Business financial planning guest expert (cash flow, profit planning, and operating discipline). I’ve attached Randall’s social media links below for easy reference. - LinkedIn: https://www.linkedin.com/in/randallavery/ - Instagram: https://www.instagram.com/rsadeasil50/ - Facebook: https://www.facebook.com/randall.avery.7 - YouTube: https://www.youtube.com/@Deasilwm Episode Keywords (SEO) business financial planning, small business cash flow forecast, 13-week cash flow forecast, profit planning for small business, small business budgeting, small business reserves, lender readiness, business fundability, underwriting signals, business bank statements, margin improvement, accounts receivable management, payroll planning, tax planning for small business

Ukraine’s central bank has further relaxed currency restrictions for businesses, while European lenders stepped up financial guarantees for local ...

PETALING JAYA — Malaysia’s banking sector is expected to maintain stable loan growth of around five per cent in 2026, with business lending emerging as a key driver amid a moderate economic outlook. Maybank Investment Bank Securities said industry loan growth has shown signs of easing towards the end of 2025, reflecting a more cautious […]

By Scott Murdoch SYDNEY (Reuters) -Australia’s Westpac Banking Corp aims to hire 350 bankers in the next two years to help gain business banking market share and close the gap on its major rivals, it said on Tuesday. The bank had hired 135 business bankers so far this year, Paul Fowler, Westpac’s chief executive of business banking and wealth told an analyst briefing. Westpac, Australia’s second-largest bank by market capitalisation, had a 16.1% business lending market share in July, up from 15.3% the same time last year, according to regulatory figures released last week. It sits third behind National Australia Bank with 21.6% and the country’s largest lender, Commonwealth Bank, with 18.85%, the figures showed. Westpac and CBA are targeting NAB’s stronghold on business banking by offering reduced lending rates to get customers to switch banks, according to analysts, at a time when the bank is undergoing major change. NAB’s business banking head Andrew Auerbach began in June and has previously not run a business banking division and that makes it vulnerable to competitors trying to pinch market share, analysts say. NAB will hold a business banking briefing on Wednesday. Fowler said Westpac’s business and wealth division recorded a net profit of A$1.1 billion ($714.78 million) in the first half of the current financial year, making it the largest contributor to the bank’s A$3.3 billion net profit. "Almost a decade ago, Westpac held a leading position in business banking in this country. Since that time, we’ve had times where we lost focus and we’ve conceded considerable ground," Fowler said. 3rd party Ad. Not an offer or recommendation by Investing.com. See disclosure here or remove ads. "... we’ve made a decision, a strategic decision, to tilt towards business banking." ($1 = 1.5389 Australian dollars) Is CBA part of an AI-powered winning strategy? ProPicks AI evaluates CBA alongside thousands of other companies every month using 100+ financial metrics. Using powerful AI to generate exciting stock ideas, it looks beyond popularity to assess fundamentals, momentum, and valuation. The AI has no bias—it simply identifies which stocks offer the best risk-reward based on current data with notable past winners that include Super Micro Computer (+185%) and AppLovin (+157%). Want to know if CBA is currently featured in any ProPicks AI strategies, or if there are better opportunities in the same space?

Navigating the ever-shifting landscape of tariffs is a crucial skill for small business owners looking to thrive in today’s competitive retail environment. […] The post Understanding the Retail Impact of Tariffs: What Small Businesses Need to Know appeared first on Michael Sean McCall.