Separate your records
Record household spending separately from business spending. Record money taken for personal use so you can see the true result.
Business money
Your enterprise.
A clearer cash plan.
Tools and routines for small businesses, farming activities and savings groups.
Track payments
List unpaid customer invoices and supplier bills with their due dates. A sale does not mean the cash has already arrived.
Map the season
Before harvest, map spending on inputs, animal feed, labour and transport. Allow for possible payment delays.
TRY YOUR PLAN
What is left to work with?
Use the same period for every amount. Prefilled figures are examples; interest and taxes are included only if you enter them.
Closing cash = opening cash + receipts − operating payments − debt repayments. Subtract your planned reserve to see cash available to use.
Every week
Match receipts to your records. Reconcile cash, mobile money and account balances, then update the coming weeks.
For a group
Agree contributions and account authority. Have more than one person review records, keep decisions and agree a dispute process.
When receipts fall
Recalculate using lower receipts. Identify essential payments and contact the lender early if repayment may become difficult.
BPR describes working-capital finance for agricultural activity. This informed our questions about the time between paying costs and receiving sales proceeds; no BPR product is offered here as an IREMBO product.
BPR · Working Capital Facility ↗YOUR NEXT STEP
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