Last reviewed: 15 August 2026
Practical cash-flow guide for Kenyan SMEs covering forecasting, receivables, payables, working capital and simple controls.
A profitable business can still experience cash shortages when customer collections, supplier payments and financing do not align.
Track expected receipts and payments week by week, then compare the forecast with actual cash movement.
Clear invoices, defined payment terms, prompt follow-up and customer credit controls can improve cash conversion.
Schedule supplier payments deliberately while protecting critical supplier relationships and avoiding unnecessary late-payment costs.
Reliable bookkeeping helps management see whether cash pressure is temporary, structural or linked to pricing and working-capital decisions.
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