Charter Capital says cash flow forecasts can ease small business strain

By AI, Created 4:23 PM UTC, May 18, 2026, /AGP/ – Charter Capital says small businesses are still facing cash crunches even as revenue and profits improve, making cash flow forecasting a key management tool. The Houston invoice funder is pointing readers to a new guide on forecasting tips and says invoice factoring can help bridge gaps when cash runs short.

Why it matters: - Small businesses can be profitable and still run into cash shortages that disrupt payroll, expenses and growth plans. - Charter Capital says forecasting gives owners earlier warning on cash gaps and helps them time spending more effectively. - The issue matters because cash flow disruptions can limit a business’s ability to cover immediate bills and pursue new opportunities.

What happened: - Charter Capital said more small businesses are seeing revenue and profit, but most still face financial challenges tied to cash flow disruptions. - The Houston-based invoice funding company highlighted a new article, “10 Essential Cash Flow Forecasting Tips for Small Businesses,” available at CharCap.com. - Joel Rosenthal, co-founder and executive manager at Charter Capital, said the numbers show profitability does not shield small businesses from financial pressure.

The details: - Recent reports from the U.S. Federal Reserve Banks and the U.S. Chamber of Commerce showed the share of small businesses reporting annual revenue growth rose from 38% to 40%. - The share reporting annual profit rose from 46% to 47%. - The share reporting financial challenges stayed at 94% year over year. - Charter Capital said 88% of small businesses report being affected by cash flow disruptions. - Rosenthal said accurate forecasting helps stakeholders understand cash position at any given time. - Rosenthal said forecasting supports better timing of expenses to reduce strain. - Rosenthal said forecasting lets leaders act before cash gaps become financial pressure. - Rosenthal also said a backup source of funding such as invoice factoring can help businesses keep moving during gaps. - Charter Capital said interested businesses can request a complimentary factoring quote by calling 1-877-960-1818 or visiting CharCap.com.

Between the lines: - The release frames cash flow as a structural problem, not a simple profitability problem. - That suggests more sales and even modest profit growth do not necessarily solve day-to-day liquidity stress. - The pitch also positions invoice factoring as a practical backstop for businesses that expect uneven cash timing.

What’s next: - Charter Capital is directing businesses to its cash flow forecasting guide for more detail. - The company is also steering prospects toward invoice factoring inquiries and quote requests. - Charter Capital said it will continue promoting flexible funding solutions for B2B companies that need working capital.

The bottom line: - For small businesses, the challenge is often not whether sales are growing, but whether cash arrives soon enough to pay the bills.