Margins shrink. Cash feels tighter. Decisions that used to feel easy suddenly don’t. And while revenue might still look “fine” on paper, the bank account tells a different story. This isn’t poor management. It’s the result of several slow-moving financial pressures hitting at once, many of which accelerated over the last two years.

You finally have a year where sales are up and the books show a profit—yet your bank account feels like it missed the memo. Read more about cash flow versus profit.