Navigate Up
Sign In
 

CASH FLOW SURVIVAL GUIDE

Invest in Your Business

Invest

”Step out” your investments

Are you afraid to tie up extra cash in case you need to access it? Consider stepping out your investments.

For example, if you have $500,000, break up the funds into GICs with different maturity dates so you can access money if you need it—and still earn the highest interest rate.

Invest
Invest

Don’t confuse extra cash with profits

Profits can be reinvested back into the company, help reduce long-term debt or liabilities, or pay dividends to the owners and shareholders. Extra cash should be accessible when you need it.

T-Bills: Earn higher interest

Don’t need the money right away?

Treasury Bills earn a set rate, usually higher than traditional savings accounts. A T-Bill might be right for you if you don’t need the money for day-to-day operations and can set it aside for 30, 60 or 90 days.

GICs: Premium interest rates

Set it aside and earn

Does your company experience seasonality or do you put away funds to pay for bonuses? Guaranteed Investment Certificates give you the opportunity to lock funds in at a premium rate for a set period of time.

"Cash flow is a critical part of business. It really is the difference in whether you turn the lights on or turn the lights off at the end of the day."

– Jacqueline Jacek, Founder, Jacek Chocolate Couture
Does my business need an operating line of credit or a term loan?

Does my business need an operating line of credit or a term loan?

Get help distinguishing between these two financing options.

Growing pains

Growing pains

Sherwood Park entrepreneur Jacqueline Jacek talks about leaving her comfort zone and shares the 10% rule.

Entrepreneur Insights: 6 tips for playing a winning business game

Entrepreneur Insights: 6 tips for playing a winning business game

Calgary-based entrepreneur Wade Sparks applies lessons learned in sports to Alberta’s competitive marketplace.

5 Tips to manage your cash flow

5 Tips to manage your cash flow

Expert advice on managing your cash flow…we’re guessing you haven’t tried all of these yet!

1-855-941-4912

Start the conversation with an ATB Business Expert

2016 ATB Financial. All rights reserved. ®ATB Financial is a trade name/registered trademark of Alberta Treasury Branches.

ATB Financial