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Mais empresas quebram por falta de caixa do que por falta de lucro. O fluxo de caixa é o oxigênio do negócio — e, mesmo assim, é o controle mais negligenciado por quem está começando.
O que é fluxo de caixa
É a fotografia diária das entradas e saídas de dinheiro do seu negócio. Diferente do DRE, que mede competência, o fluxo de caixa mede o que efetivamente entrou ou saiu da conta.
Os 3 fluxos que você precisa conhecer
- Operacional: vendas, despesas e impostos do dia a dia
- Investimento: compra de equipamentos, expansão
- Financiamento: empréstimos, capital próprio
"Lucro é opinião. Caixa é fato."
Como montar o seu
- Liste todas as contas a receber por data
- Liste todas as contas a pagar por data
- Projete pelo menos 90 dias à frente
- Atualize semanalmente, no mínimo
Use uma ferramenta dedicada (Conta Azul, Omie, Nibo). Planilha funciona até certo ponto — depois ela vira o gargalo.
Se a gestão financeira virou um peso, conheça nosso BPO Financeiro.
