You want to hire or expand, but you aren’t sure the bank balance can take the hit. BAAB looks at the months ahead so you never make a blind commitment.
Financial Intelligence · Advisory memo
Cash squeeze during expansion
Example
The situation
Revenue grew 18%, but cash fell 28% over 90 days because large customers are paying late.
Hold the hire · Fix collections first
Growth is hiding a cash gap. Adding payroll now risks a squeeze in month four.
What BAAB noticed
Late payments: Large customers now pay in 59 days, up from 38.
Payroll weight: Fixed pay takes 68% of monthly gross profit.
Recommended next move
Ask for 50% deposits on new contracts and pause non-essential spending until payments speed up.
