Phil Cohen

Seasonal businesses often deal with uneven cash flow. Revenue may be strong during peak months, then slow down during the off-season. But expenses rarely follow ...

Growth is exciting, but it can also create financial pressure. Many business owners assume that more sales, larger contracts, or new customers will automatically improve ...

Client concentration risk is one of the most overlooked financial risks in business financing. A company may have strong revenue, solid margins, and a growing ...

Days Sales Outstanding, commonly known as DSO, is more than a cash flow metric. It can directly affect how lenders, investors, buyers, and financial partners ...

Healthcare providers often wait weeks or months to receive payment after services are delivered. That delay can create serious cash flow pressure, especially when payroll, ...

Home healthcare agencies operate in a high-demand industry where staffing, scheduling, compliance, and patient care all require steady financial support. But even as demand for ...

Healthcare providers operate in one of the most complex payment environments of any industry. Unlike traditional businesses that bill customers directly and receive payment shortly ...