She Posted That She Could Not Make Payroll

A Bluevine report came out in February that I cannot stop thinking about. They asked 785 small business owners about the reality of running one, and three in four said the trade off was worth it. But 56 percent hit cash flow trouble earlier and harder than they planned for, and only 4 percent regret it at all. So there is a chunk of people who got hit and would still do it again, and those are the gritty ones. Then a woman in one of my Facebook groups posted that she could not make payroll this month, and a thousand people answered her. Here is what I would have told her, free. Get a line of credit set up while things are good, because the bank makes it easy then. And when the emergency passes, sit down and find out what your profit margin actually is, because more revenue will not fix a broken one.Source: Bluevine, "The Reality of Owning a Small Business", February 2026, a survey of 785 US small business owners.Book a Free Call with PennyConnect with us:FacebookInstagramLinkedIn1610 Financial SolutionsTakeaways:Set up a line of credit while your business is healthy and you do not need it, because that is the only time it is easy to get.More revenue will not fix a broken profit margin, it just runs the same broken margin at a larger scale.Your numbers will tell you more than your feelings will, and a year that feels tight is often a year that is growing.Put your business on a growth curve the way a pediatrician puts a baby on one, because falling off the curve is the earliest signal you will get.Mixed personal and business expenses, plus books that are not clean, plus a cash flow problem is the combination that puts a business days away from closing.This show is for general information and encouragement. It is not tax, financial or legal advice. Please consult a professional about your particular situation before you make any decisions.