Running an SME across borders comes with exciting opportunities — but also financial headaches, especially when it comes to managing cash flow. Here are five actionable ways your business can improve liquidity without losing focus.
In some markets, 90-day payment terms are standard. In others, it's 30. Understanding and negotiating local norms helps manage expectations and avoid surprises.
Handling several currencies in one account helps avoid unnecessary conversion fees and gives your business greater control over timing — especially useful when dealing with fluctuating exchange rates.
Late payments hurt your cash flow more than you think. Automate reminders and include payment links to make it easier for clients to pay on time.
Monthly projections are helpful, but weekly cash flow forecasts offer better visibility, especially when you're scaling or expanding internationally.
Use tools (like LumosFlow 😉) to centralize incoming payments, vendor payouts, and real-time forecasting. This reduces manual work and helps identify cash pressure points early.
Conclusion
Cross-border cash flow doesn't have to be a guessing game. With the right practices and tools, your SME can stay liquid, agile, and growth-ready — wherever business takes you.
Take the first step to growing your business
Traditional cash flow forecasting relies on spreadsheets, guesswork, and past trends. But with AI, global SMEs can now predict liquidity with greater accuracy — and make smarter decisions, faster.
This post explains in simple terms why positive cash flow, not just profitability, is key for small and medium businesses to survive and grow—especially in unpredictable markets. It aligns perfectly with LumosFlow’s mission.
Cash flow challenges are a top concern for SMEs operating internationally. Here are five practical ways to improve your cross-border cash flow without adding operational complexity.
