Friday, October 30, 2026
If your business stops the moment you do, the problem isn't your team. It's how many of their problems you're still quietly carrying. Here's the fix, from a 1974 HBR classic.
Payday's Friday. Payroll's due. And the invoice you were counting on still hasn't landed, because the customer who promised "end of month" meant their end of month, not yours. You chase it with a polite email, then a less polite one, and you tell yourself next time you'll get better at follow-up.
Here's the uncomfortable answer: better follow-up isn't the fix. The follow-up email is damage control for a decision you made weeks earlier, at the point of sale, when the terms got set — or didn't.
You're not alone in the stress of it. Bluevine's 2026 survey of US small business owners found that 41% name the gap between money coming in and bills going out as their single biggest stressor — ahead of tax, ahead of payroll itself. The chase isn't the real problem. It's the symptom.
Most SME sales processes are built entirely around getting the yes. What happens after the yes — deposit, terms, when the clock starts — gets handled on the fly, or copied from whatever the last client happened to accept. That's the actual villain here: treating "they said yes" as the finish line, when the finish line is "the money's in the account."
I've made this exact mistake, more than once, in businesses I've built myself. Sometimes you win, sometimes you learn — and some of those lessons came from real losses, not hypothetical ones. The ones that stung weren't about a bad product or a bad client. They were about terms I'd never actually pinned down before the work started, because asking felt awkward and the sale felt too good to risk slowing down.
"I have grown my business 5x since working with Kevin. Everything Kevin told me to do was the complete opposite of what I had been doing. Working with Kevin has truly been a complete game changer."
— Richard, Chem Suppliers
Every owner I've worked with already knows they should say the terms out loud. Most still don't, because in the moment it feels like the one thing that could cost them the sale. It won't. A genuine customer respects a business that's clear about getting paid — it tells them you run a real operation, not a favour. The ones who push back hardest on terms are usually the same ones who'll push back hardest on the invoice.
This isn't for you if your sales process is already tight and your real issue is one slow-paying outlier — that's a collections conversation, not a system rebuild. But if this is the third month in a row you've chased a payment you never properly pinned down, the fix starts before the sale, not after it.
You can run a business where payday isn't a gamble on someone else's promise. It takes one slightly awkward sentence, said early and said every time — and that's a habit you can build starting with your very next sale.
If you're tired of chasing money you already earned, that's the first thing we fix together.
Tuesday, October 13, 2026
New industry research finds most senior consumer goods leaders cannot say whether their last year of promotions actually made money. Here is the Revenue Growth Management discipline that fixes it before Christmas stock ships.
Tuesday, October 13, 2026
New research shows 90 percent of small business owners are preoccupied with work outside normal hours. Michael Gerber's E-Myth explains why, and names the one shift that actually fixes it.
Tuesday, October 13, 2026
Workplace research puts the cost of refocusing after an interruption at around 23 minutes, and the average worker now fields well over 100 messages a day. Here is how to protect the hours that actually move your business.
Tuesday, October 13, 2026
Forrester research finds only 8 percent of B2B buyers name price as the biggest driver of their decision. Here is how to find out what a price objection is actually about, before you reach for a discount.
Tuesday, October 13, 2026
A new Gartner survey finds most B2B buyers would rather research and decide without ever speaking to a salesperson. If your marketing cannot carry the whole sale alone, here is the tool that fixes it.
Tuesday, October 13, 2026
New Gallup data shows only 11 percent of SME owners with staff have a detailed written plan, and most of the rest will try to write next year's in December. Here is the three-date fix to do this week instead.
Monday, October 12, 2026
EOS or Scaling Up? A fair, source-linked comparison for US owners, a five-point checklist to choose, and the growth questions neither operating system answers.
Monday, October 12, 2026
The seven concerns SME owners raise most often in coaching, why each one happens, and what actually helps.
Monday, October 12, 2026
Growth rarely needs you to do more. It needs you to stop five habits that quietly hold your business back.
Monday, October 12, 2026
Seven low-cost ways to lift sales this week, starting with the customers and quotes already in your business.
Monday, October 12, 2026
The 4 real reasons marketing fails for SME owners, and the practical, low-cost fix for each one.
Monday, October 12, 2026
New research shows 39% of small business owners blame admin, not the market, for stalling their growth. Here is how to find the real constraint before you spend another dollar fixing the wrong one.
Monday, October 12, 2026
Only 20-30% of businesses for sale actually sell, often because they can't run without their owner. Here's how to design yours so it can.
Monday, October 12, 2026
Writing your goals down is linked to real gains in achieving them. Here's the Vivid Vision exercise that turns a fuzzy dream into a measurable plan.
Monday, October 12, 2026
Owners using AI with purpose save 6 to 10 hours a week. Here's the simple audit that finds your first three tasks to hand over.