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People who get their understanding about retailing from the popular press or from political rhetoric often believe that declining sales – "Comp store sales are down" – is the death knell of retailing. Surely you, as a retail owner, know differently! (You do, don't you?!) In reverse order, here are the Top Five principal killers of retail businesses. We will examine each of them. While they all need the respect of you, the owner or CEO, your highest priority always must be the #1 slayer. And it just might surprise you to learn what it is. read more ...
What is the secret to effective cash flow planning for retail businesses? Understanding the time lag between sales and cash. You may be fulfilling your sales plan, but still be getting caught in a cash flow crunch. The principal benefit of good cash flow planning is that it helps you run your business on your own money—and avoid using as much short-term borrowing, reducing the finance charges that can eat into your profits. read more ...
Cash is the lifeblood of every retail business. Without cash for inventory, payroll and other expenses, an emergency is imminent. Even a profitable business can experience not having enough cash at the wrong moment. One moment cash is flowing, the next moment it is dripping. Drip. Drip. It’s an emergency when the cash flow stops and paralyzes your store. But if you still believe in the long-term viability of your business and are willing to work toward its success, put these six steps into action immediately. They are the foundation for avoiding future cash crunches. read more ...
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Profits & Debt Management - Financial Statements - P&L's - Balance Sheets - Inventory Management (@Cost or @Retail) - Turnover - Buying Plan Budgets - GMROI - Cash Flow - pro formas - Ratio Analysis - Integrated Retail Financial Plans
The ROI's Online Seminar on Retail Finance Basics is an interactive, self-paced course. By retailers, for retailers. "All it takes is a little desire."
Includes interactive content, self-quizzes, printable worksheets, extra how-to articles by retail experts, and a special case study featuring Helen and Irving Surviving of The I. M. Surviving(?!) Company.
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No retailer really wants to pay for bookkeeping or accounting. But it's necessary for two reasons: (1) to accurately satisfy the I.R.S.; (2) to accurately show where the business has been and where it is now. This second reason is essential for what REALLY matters: doing better in the future! The ROI has developed The Screening Test for Retail Bookkeepers. As an ROI Member you may download a free copy of that test to use as you interview prospective bookkeepers. For more information, see The ROI's Bookkeeping Articles.