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