Your business may report strong sales while the bank account shows a different pattern. That does not automatically mean either number is wrong. It means we need to understand how sales become available cash.
A business can make a sale today and collect later. A processor may settle transactions after deducting fees or existing funding collections. Cash sales may not reach the business account on the same day.
Explain the route from sale to deposit
When we ask about monthly revenue and bank deposits, give us both figures as accurately as you can. Tell us how customers pay, how often payments settle and whether receivables are still outstanding.
Account transfers and borrowed money should not be presented as new operating revenue. Likewise, a processor deposit may require an explanation if it reflects deductions from a larger sales total.
Supporting records make that explanation useful. Processing statements, invoices or accounting reports may help reconcile what the bank statement alone does not show.
Collection timing affects the capital conversation
If you pay employees before commercial customers settle invoices, the issue may be a collection gap. If inventory must be purchased before a seasonal sales period, the timing is different again.
We want to know which part of the cycle needs support and what cash will become available to cover a proposed payment.
Avoid solving the wrong problem
A large sales figure does not establish how much the business can comfortably pay. Review what remains after payroll, suppliers, rent and existing obligations. Capital should be evaluated against that operating picture.
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Business Funding Explained: How Different Industries Use Capital
Talk through your funding question
Explain your sales and collection cycle at treeoflifefunding.com/apply. We can review the need with the numbers that actually support it.