Most Nepali businesses are profitable but still run out of cash. Here are 5 biggest cashflow mistakes that are killing your business.

1. No Weekly Cashflow Tracking

• Business owners check profit, not actual cash movement.

• Cash in bank changes daily, but they review finances monthly or yearly.

• Leads to surprises when salaries, rent, or taxes come due.

2. Giving Too Much Credit Without a Collection System

• Sales are made on “trust” instead of written credit terms.

• Customers delay payments for weeks or months.

• Cash gets stuck while expenses continue daily.

3. Paying Suppliers Faster Than Customers Pay You

• Immediate payments to suppliers to maintain relationships.

• But customers pay late, creating a cash gap.

• Business becomes profitable on paper but broke in reality.

4. Mixing Personal and Business Cash

• Owners withdraw cash randomly without tracking.

• Business expenses and personal expenses get mixed.

• Cash drains silently, making it impossible to plan.

5. No Cash Forecasting

• Rent, salaries, taxes, and loan EMIs come as “surprises.”

• No plan for seasonal slowdowns or emergency expenses.

• Leads to panic borrowing and long-term financial stress.

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