From Chaos to Cash Flow: Jen Fizer’s Financial Awakening for Every Business Owner

Ever feel rich on Stripe and broke at payroll? You’re not alone. Half of U.S. small businesses have had cash flow issues in the last year, and most check cash daily because they’re anxious—not strategic.

🔍 Why cash flow collapses even when sales grow

Sales ≠ solvency. Most businesses hold a median of just 27 days of cash buffer—one slow month can cripple operations. Jen explains why “cash is king,” why hiring too fast squeezes margins, and how asset purchases beat subscriptions you can’t resell.

💸 What a fractional CFO actually does (vs. CPA/bookkeeper)

Bookkeeping and taxes look backward. Jen forecasts forward: weekly revenue targets to cover payroll, budgeting, and scenario planning. She aims to “pay for herself” by cutting waste and prioritizing high‑profit offers—classic cash flow management and small business finance.

📈 Tactical takeaways you can use this week

• Build reserves before scaling headcount.

• Pressure‑test “reinvestments” with profit, time, and resale value.

• Sell one more job to buy equipment in cash—skip the interest.

• Start with a 4‑month CFO engagement: month 1 cleanup, months 2‑4 execution.

Relevant stats: 48% report cash flow issues; 27 buffer days is the median.

🧭 Keywords to win searches

cash flow management, fractional CFO, small business finance, budgeting, forecasting, profit margins, bookkeeping, CPA, working capital, cash reserve strategy. If you're interested in booking a call with Jen, you can click the link below: https://calendly.com/jen-mkb/30minclientcall