B2B Cash-Flow Gap Survival Kit

Stop letting payment timing catch your business by surprise.

A business can be profitable on paper and still experience cash-flow pressure when vendors require payment before customers pay their invoices.

The B2B Cash-Flow Gap Survival Kit helps you visualize that timing gap, organize upcoming payments and create a focused working-capital plan.

This coordinated digital toolkit combines a guided 17-page PDF action workbook with an Excel cash-flow dashboard designed for real B2B payment cycles.

What’s included

📘 17-page PDF action workbook

Use the guided worksheets to:

• Identify your cash-flow timing gap
• Map vendor-payment obligations
• Estimate customer-payment dates
• Analyze receivables timing
• Review vendor and customer terms
• Compare potential funding options
• Create a focused cash-flow action plan

📊 Excel dashboard and planning tool

Use the spreadsheet to:

• Build a 13-week cash-flow forecast
• Track expected cash inflows and outflows
• Estimate cash-flow gap exposure
• Organize vendor-payment dates
• Monitor expected customer receipts
• Compare payment terms
• Review potential funding costs
• Track working-capital information

What this kit can help you do

✅ See when cash is expected to enter and leave your business

✅ Identify potential timing gaps before they become urgent

✅ Prepare for upcoming vendor obligations

✅ Organize customer invoices and expected payment dates

✅ Compare payment-term and funding scenarios

✅ Build a practical working-capital action plan

✅ Replace scattered notes with one organized system

Who this product is for

This toolkit is designed for:

• B2B business owners
• Consultants and service providers
• Contractors and subcontractors
• Agencies and professional firms
• Wholesalers and distributors
• Small manufacturers
• Startups managing delayed payments
• Businesses that pay vendors before collecting customer invoices

How it works

1. Purchase and download both files.
2. Begin with the PDF workbook.
3. Identify your business’s payment-timing gap.
4. Enter expected vendor payments in the Excel dashboard.
5. Add customer invoices and expected collection dates.
6. Review your projected 13-week cash-flow position.
7. Compare available payment and funding options.
8. Create your cash-flow action plan.

File formats

Your purchase includes:

• 1 PDF workbook
• 1 Microsoft Excel dashboard
• Instant digital access
• No physical product

Microsoft Excel or compatible spreadsheet software is required. Formatting and functionality may vary in other spreadsheet applications.

Why this toolkit is different

This is more than an empty cash-flow spreadsheet.

The workbook helps you understand the timing problem and think through your options. The dashboard helps you organize the numbers, forecast the next 13 weeks and monitor the information needed for your action plan.

Together, they provide a structured cash-flow planning system for B2B businesses.

Important information

• This is an instant digital download.
• No physical item will be shipped.
• Product mockups are for demonstration purposes.
• Results depend on the accuracy of the information entered.
• Files are licensed for the purchaser’s personal or internal business use.
• Files may not be resold, redistributed, shared, copied or presented as another person’s original work.

Disclaimer

This toolkit is provided for educational, organizational and business-planning purposes. It does not constitute financial, accounting, tax, credit or legal advice.

Every business situation is different. Consult an appropriately qualified professional before making financial or business decisions.

See the timing. Plan the gap. Protect your working capital.

Credit Growth Academy

Gerald Lacey, MBA, MSSCM