Travis Osborne

Funding referrals & life insurance education
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[Travis Osborne @TravisO1981]

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[Travis Osborne @TravisO1981]

@Yammyfyfy @stripe That's frustrating. Holds usually clear faster if you reply in the dashboard with proof of delivery (tracking or signed receipt) plus the invoice. If you do larger tickets regularly, it's worth asking about a dedicated merchant account so payouts are more predictable.

[Travis Osborne @TravisO1981]

@JDH_1963 @Etsy Fees on top of fees add up fast. For whatever's next, it's worth working out your real effective rate (total fees divided by total sales). On your own site you'd usually pay just card processing plus the platform, and that gap can be big.

[Travis Osborne @TravisO1981]

@MatterhornBiz Agree. Keep at least one payroll plus a month of fixed costs in the account before throwing extra at debt. Prepaying a loan doesn't help if you end up borrowing again at a worse rate just to make payroll.

[Travis Osborne @TravisO1981]

@tonynovak Most of those come from lists built off state filings and UCC records. The fast-money pitches are usually daily-debit advances. If you ever do need capital, start with your own bank or credit union and compare total payback, not just the payment size.

[Travis Osborne @TravisO1981]

@cofoundrynick Respect for posting the unglamorous months. In cleaning, a loss month is often a timing issue: payroll goes out weekly while big commercial accounts pay net-30 or later. Tracking cash by week instead of by month makes it much easier to see which one it was.

[Travis Osborne @TravisO1981]

@SpiffDave That's the hardest one to explain to people who haven't run a business. You're not broke, you're waiting. The work is done, the money's just sitting in someone else's account. Happy to compare notes if useful.

[Travis Osborne @TravisO1981]

@prgsimplebiz Agree on the shame part. Taking an MCA to keep people paid is a survival decision, not a character flaw. The hard part is those daily debits. Once cash is tight, stacking another one usually makes it worse.

[Travis Osborne @TravisO1981]

@paulrivenway That last part is the one a lot of owners miss. Those 0% cards can still sit on a personal guarantee, so a cheaper looking option isn't always cleaner. Replacing an advance with a term loan, like that roofing shop did, is a very different outcome.

[Travis Osborne @TravisO1981]

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[Travis Osborne @TravisO1981]

@snowflowuk Chasing invoices, by a mile. Shorter terms and deposits on larger jobs mean there's less to chase in the first place.

[Travis Osborne @TravisO1981]

@TaddCreations B for a lot of owners. Invoice follow-up by hand is slow, and slow follow-up means slow cash. Automated reminders pay for themselves quickly.

[Travis Osborne @TravisO1981]

@rohancorpgroup Invoices, for most owners I talk to. Sending them same-day and setting automatic reminders gets cash in the door faster than any other admin fix.

[Travis Osborne @TravisO1981]

@BackOnTrackBks Good distinction. Owners also find out the difference fast when they apply for funding. Current monthly books make that conversation much easier.

[Travis Osborne @TravisO1981]

@BVPRGJ Ha, every owner learns that language fast. Getting paid on time becomes its own job, and clear payment terms on day one save a lot of chasing later.

[Travis Osborne @TravisO1981]

@Korvenconsult A simple 13-week cash forecast catches most of these weeks ahead. Owners who see the gap early have far better choices than ones who find out on payday.

[Travis Osborne @TravisO1981]

@ndehchef Agree. Separate accounts and clean monthly books are also the first thing any lender asks about. Owners who have them get much better options when they need capital.

[Travis Osborne @TravisO1981]

@MubangaKangwaM Well said. Taking a deposit up front on bigger jobs is the other half of it. It protects cash flow before a late payment can even happen.

[Travis Osborne @TravisO1981]

@IconicBizOwner Late invoices first. Billing the day the work is done, with a clear due date, fixes more cash flow problems than almost anything else on that list.

[Travis Osborne @TravisO1981]

@Nearhorizons 100%. Tracking weeks of payroll on hand every Monday turns a scary feeling into a number you can plan around. Under four weeks is when I'd start lining up options, not after.

[Travis Osborne @TravisO1981]

@ivan_veskov Optimism plus caution is right. If you're delaying an investment, it's a good time to line up financing options before you need them.