{"id":3888,"date":"2026-04-09T13:46:03","date_gmt":"2026-04-09T10:46:03","guid":{"rendered":"https:\/\/konkretiarahoitus.fi\/?p=3888"},"modified":"2026-04-09T13:46:07","modified_gmt":"2026-04-09T10:46:07","slug":"yrityksesi-tekee-voittoa-miksi-kassassa-on-silti-tiukkaa","status":"publish","type":"post","link":"https:\/\/konkretiarahoitus.fi\/en\/2026\/04\/yrityksesi-tekee-voittoa-miksi-kassassa-on-silti-tiukkaa","title":{"rendered":"Your company is profitable. So why is cash still tight?\u00a0"},"content":{"rendered":"<style>.elementor-3888 .elementor-element.elementor-element-3c20bcd{--display:flex;}.elementor-3888 .elementor-element.elementor-element-cdcecd4{--display:flex;--flex-direction:column;--container-widget-width:100%;--container-widget-height:initial;--container-widget-flex-grow:0;--container-widget-align-self:initial;--flex-wrap-mobile:wrap;}.elementor-3888 .elementor-element.elementor-element-6721062{--display:flex;--flex-direction:column;--container-widget-width:100%;--container-widget-height:initial;--container-widget-flex-grow:0;--container-widget-align-self:initial;--flex-wrap-mobile:wrap;}.elementor-3888 .elementor-element.elementor-element-e58a953{--display:flex;}.elementor-3888 .elementor-element.elementor-element-9731052{--display:flex;--flex-direction:column;--container-widget-width:100%;--container-widget-height:initial;--container-widget-flex-grow:0;--container-widget-align-self:initial;--flex-wrap-mobile:wrap;}.elementor-3888 .elementor-element.elementor-element-68205c1{--display:flex;--flex-direction:column;--container-widget-width:100%;--container-widget-height:initial;--container-widget-flex-grow:0;--container-widget-align-self:initial;--flex-wrap-mobile:wrap;}.elementor-3888 .elementor-element.elementor-element-e38302d{--display:flex;--flex-direction:column;--container-widget-width:100%;--container-widget-height:initial;--container-widget-flex-grow:0;--container-widget-align-self:initial;--flex-wrap-mobile:wrap;}.elementor-3888 .elementor-element.elementor-element-c290aef{--display:flex;}.elementor-3888 .elementor-element.elementor-global-1317 .elementor-button{fill:var( --e-global-color-37804de );color:var( --e-global-color-37804de );background-color:var( --e-global-color-accent );border-radius:25px 25px 25px 25px;padding:15px 20px 15px 20px;}.elementor-3888 .elementor-element.elementor-global-1317 .elementor-button:hover, .elementor-3888 .elementor-element.elementor-global-1317 .elementor-button:focus{background-color:var( --e-global-color-accent );}.elementor-3888 .elementor-element.elementor-global-1317 > .elementor-widget-container{margin:7px 0px 0px 0px;padding:0px 0px 0px 0px;}.elementor-3888 .elementor-element.elementor-global-1317{width:var( --container-widget-width, 69% );max-width:69%;--container-widget-width:69%;--container-widget-flex-grow:0;}.elementor-3888 .elementor-element.elementor-global-1317.elementor-element{--align-self:center;}@media(max-width:1024px){.elementor-3888 .elementor-element.elementor-global-1317 .elementor-button{padding:15px 70px 15px 20px;}.elementor-3888 .elementor-element.elementor-global-1317 > .elementor-widget-container{margin:0px 0px 0px 0px;}}@media(max-width:767px){.elementor-3888 .elementor-element.elementor-global-1317 .elementor-button .elementor-button-content-wrapper{justify-content:center;}.elementor-3888 .elementor-element.elementor-global-1317 .elementor-button{padding:15px 20px 15px 20px;}}<\/style>\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"3888\" class=\"elementor elementor-3888\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3c20bcd e-flex e-con-boxed e-con e-parent\" data-id=\"3c20bcd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-73a2da5 elementor-widget elementor-widget-heading\" data-id=\"73a2da5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Your company is profitable. So why is cash still tight? <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cdcecd4 e-flex e-con-boxed e-con e-parent\" data-id=\"cdcecd4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bce4905 elementor-widget elementor-widget-text-editor\" data-id=\"bce4905\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span data-contrast=\"auto\">Many entrepreneurs recognize this situation the business looks profitable on paper, but in everyday life cash still feels tight. Sales are growing, there are plenty of customers, and the result is positive, yet there never seems to be enough money in the bank.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">This is not unusual. In fact, it is very common. The reason is simple: profitability and cash flow are two different things. A company can make a profit even if cash is not coming in at the same pace as expenses.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6721062 e-flex e-con-boxed e-con e-parent\" data-id=\"6721062\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8f6b9c0 elementor-widget elementor-widget-text-editor\" data-id=\"8f6b9c0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p aria-level=\"2\"><b><span data-contrast=\"auto\">Impact of payment terms on cash flow<\/span><\/b><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:299,&quot;335559739&quot;:299}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">One of the most common reasons for cash pressure is delayed payments. When a company sells on invoice, the money often arrives weeks later, even though expenses must be paid immediately. This means the company is financing its operations from its own cash. The more sales there are, the more money is tied up in unpaid invoices. This can tighten cash flow, even if the business itself is profitable.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e58a953 e-flex e-con-boxed e-con e-parent\" data-id=\"e58a953\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f2a79f3 elementor-widget elementor-widget-text-editor\" data-id=\"f2a79f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p aria-level=\"2\"><b><span data-contrast=\"auto\">Growth and capital tied up in the business<\/span><\/b><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:299,&quot;335559739&quot;:299}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Growth is a good thing, but it can also put pressure on cash. As a business grows, it needs more resources such as inventory, staff, and production capacity. These investments are made before the growth shows up as cash. At the same time, money gets tied up in inventory, work in progress, and completed work that has not yet been invoiced. The value exists, but it cannot be used to pay daily expenses.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Investments and loan repayments also take money directly out of cash, even though they do not appear in the profit in the same way as regular expenses. Because of this, cash flow can lag behind, even when the business is doing well.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9731052 e-flex e-con-boxed e-con e-parent\" data-id=\"9731052\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-352e20b elementor-widget elementor-widget-text-editor\" data-id=\"352e20b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p aria-level=\"2\"><b><span data-contrast=\"auto\">Taxes and payments do not follow profit<\/span><\/b><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:299,&quot;335559739&quot;:299}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Company payments do not always follow profit. VAT is paid from cash, even though it is not part of the profit, and advance taxes may be based on previous results. Because of this, payments can fall due at a time when there is less cash available, which can tighten the situation.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-68205c1 e-flex e-con-boxed e-con e-parent\" data-id=\"68205c1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-400c568 elementor-widget elementor-widget-text-editor\" data-id=\"400c568\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p aria-level=\"2\"><b><span data-contrast=\"auto\">Managing cash flow is as important as profitability<\/span><\/b><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:299,&quot;335559739&quot;:299}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">The key insight is that a good profit alone is not enough. A company must understand when money comes in and when it goes out. When cash flow is actively monitored and planned, the business can operate more steadily, even when cash inflows and outflows are not perfectly balanced. When needed, financing can help bridge the timing gap between income and expenses.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e38302d e-flex e-con-boxed e-con e-parent\" data-id=\"e38302d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e96dd83 elementor-widget elementor-widget-text-editor\" data-id=\"e96dd83\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span data-contrast=\"auto\">Profitable business is the foundation, but not enough on its own. A company must also manage how and when money moves.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Konkretia Rahoitus helps businesses in situations where cash flow does not keep up with business activity. When financing is planned correctly, it supports daily operations and enables growth without cash becoming a barrier.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c290aef e-flex e-con-boxed e-con e-parent\" data-id=\"c290aef\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-25bdcc7 elementor-mobile-align-justify elementor-align-center elementor-widget__width-initial elementor-widget elementor-widget-button\" data-id=\"25bdcc7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/konkretiarahoitus.fi\/en\/contact-2\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contact us!<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Yrityksesi tekee voittoa. Miksi kassassa on silti tiukkaa? Moni yritt\u00e4j\u00e4 tunnistaa tilanteen, jossa liiketoiminta n\u00e4ytt\u00e4\u00e4 paperilla kannattavalta, mutta arjessa kassatilanne tuntuu jatkuvasti kire\u00e4lt\u00e4. Myynti kasvaa, asiakkaita riitt\u00e4\u00e4 ja tulos on positiivinen, mutta silti rahaa ei tunnu j\u00e4\u00e4v\u00e4n tilille.\u00a0 T\u00e4m\u00e4 ei ole poikkeus, vaan hyvin yleinen ilmi\u00f6. Taustalla on yksinkertainen syy:\u00a0kannattavuus ja kassavirta ovat kaksi eri [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3890,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[40,64,270,263,213,279,267,262,274,214,269,230,272,277,283,182,265,271,276,280,282,268,281,264,218,273,266,240,224,278],"class_list":["post-3888","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-arvonlisavero","tag-ennakkovero","tag-investoinnit","tag-kannattavuus","tag-kassanhallinta","tag-kassapaine","tag-kassatilanne","tag-kassavirran-hallinta","tag-kassavirran-suunnittelu","tag-kassavirta","tag-kassavirta-vs-kannattavuus","tag-kayttopaaoma","tag-lainan-lyhennys","tag-laskutus","tag-liiketoiminnan-kannattavuus","tag-liiketoiminnan-kasvu","tag-maksuaika","tag-myyntisaatavat","tag-rahavirta","tag-rahoituksen-tarve","tag-talouden-hallinta","tag-varaston-sitoma-paaoma","tag-yrityksen-arki","tag-yrityksen-kassavirta","tag-yrityksen-kasvu","tag-yrityksen-kulut","tag-yrityksen-maksuvalmius","tag-yrityksen-rahoitus","tag-yrityksen-talous","tag-yrityksen-verotus"],"_links":{"self":[{"href":"https:\/\/konkretiarahoitus.fi\/en\/wp-json\/wp\/v2\/posts\/3888","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/konkretiarahoitus.fi\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/konkretiarahoitus.fi\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/konkretiarahoitus.fi\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/konkretiarahoitus.fi\/en\/wp-json\/wp\/v2\/comments?post=3888"}],"version-history":[{"count":8,"href":"https:\/\/konkretiarahoitus.fi\/en\/wp-json\/wp\/v2\/posts\/3888\/revisions"}],"predecessor-version":[{"id":3898,"href":"https:\/\/konkretiarahoitus.fi\/en\/wp-json\/wp\/v2\/posts\/3888\/revisions\/3898"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/konkretiarahoitus.fi\/en\/wp-json\/wp\/v2\/media\/3890"}],"wp:attachment":[{"href":"https:\/\/konkretiarahoitus.fi\/en\/wp-json\/wp\/v2\/media?parent=3888"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/konkretiarahoitus.fi\/en\/wp-json\/wp\/v2\/categories?post=3888"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/konkretiarahoitus.fi\/en\/wp-json\/wp\/v2\/tags?post=3888"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}