{"id":4825,"date":"2026-07-30T15:00:06","date_gmt":"2026-07-30T12:00:06","guid":{"rendered":"https:\/\/konkretiarahoitus.fi\/?p=4825"},"modified":"2026-08-05T13:01:42","modified_gmt":"2026-08-05T10:01:42","slug":"yrityksen-rahat-loppuvat-kesken-syy-voi-olla-kayttopaaomassa","status":"publish","type":"post","link":"https:\/\/konkretiarahoitus.fi\/en\/yrityksen-rahat-loppuvat-kesken-syy-voi-olla-kayttopaaomassa","title":{"rendered":"Yrityksen rahat loppuvat kesken? Syy voi olla k\u00e4ytt\u00f6p\u00e4\u00e4omassa"},"content":{"rendered":"
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Is your business running out of cash? The reason could be working capital.<\/h3>\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
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A business may have plenty of work, new customers, and a strong order book. Even so, there may not always be enough money in the bank account when invoices become due. Materials have already been purchased, employees need to be paid, and new investments may be necessary, even though customer payments have not yet arrived.\u00a0\u00a0<\/p>

This is a familiar situation for many business owners. It does not necessarily mean the business is struggling. In many cases, the issue is simply that money comes in later than it needs to be spent. This is where working capital comes in.<\/p>

What is working capital?<\/b><\/h5>

Working capital is the money a business needs to cover its day-to-day operating expenses. It is used to pay salaries, rent, materials, fuel, and other ongoing costs. When a business has enough working capital, it can continue operating normally even if customer invoices have not yet been paid.<\/p>

For example, an electrical contractor purchases materials at the beginning of a project. The work is completed, but the customer is given 30 days to pay the invoice. The company must cover its own costs long before receiving payment. The same situation can occur in an online store. Products are purchased for stock well before the busy season, while the income from sales only comes in later.<\/p>

Why does a business run out of cash?<\/b><\/h5>

In many businesses, income and expenses do not occur at the same time. Customers are often given time to pay their invoices, while the company's own bills must be paid by the due date. The longer the payment terms, the longer money remains tied up in unpaid invoices.<\/p>

Cash can also be tied up in inventory. If products are purchased in large quantities or in preparation for a busy season, less money is available for other business expenses. The same challenge often affects growing companies. A new customer or a larger-than-usual order usually means additional material purchases and other costs long before the business receives payment for the work.<\/p>

In the construction industry, working capital can also be tied up in contract guarantees. Many projects require a guarantee before work begins. By arranging the guarantee through a contract guarantee solution, the business does not have to use its own cash as collateral. This leaves more working capital available for materials, salaries, and other project-related expenses.<\/p>

How can you strengthen your working capital?<\/b><\/h5>

The first step is to review how money moves through the business. Invoices should be sent as soon as work is completed, and outstanding receivables should be monitored regularly. It is also worth reviewing inventory levels from time to time. If more products are being stored than are actually needed, unnecessary amounts of cash remain tied up in inventory.\u00a0<\/p>

However, not every situation can be solved through internal improvements alone. If a business needs additional funding because of long customer payment terms, business growth, or a larger project, the right financing solution can make a significant difference.<\/p>

A business line of credit brings flexibility<\/b><\/p>

A business line of credit is well suited for temporary financing needs. For example, a customer may not pay an invoice for another two weeks, while salaries, rent, and other bills must be paid this week.<\/p>

With a line of credit, the business only uses the amount it needs and pays interest only on the funds that are actually used. Once the customer payment arrives, the used credit can be repaid. A line of credit is particularly suitable for businesses whose financing needs vary from month to month.<\/p>

A business loan for larger financing needs<\/b><\/p>

If a business needs more substantial financing for an investment, expansion, or a larger-than-usual customer order, a business loan may be the right solution.<\/p>

Imagine a manufacturing company that wins a major new customer and receives a significantly larger order than usual. The project requires immediate purchases of raw materials and the start of production, even though the customer will only pay after the work has been completed. A business loan allows the company to make the necessary investments without disrupting its day-to-day operations. Unlike a line of credit, a business loan is particularly suitable for larger, planned financing needs.<\/p>

Inventory financing frees up cash<\/b><\/p>

In many businesses, a significant amount of cash is tied up in inventory. Products have already been purchased, but the income from selling them will only be received once customers make their purchases.<\/p>

Inventory financing makes it possible to release cash tied up in stock for other business needs. This provides more funds for salaries, materials, or new customer orders. It is especially useful for businesses that purchase inventory ahead of seasonal demand or make larger bulk purchases.<\/p>

Contract guarantees help you take on larger projects<\/b><\/p>

In the construction and contracting industries, the client may require a contract guarantee before work begins. Without one, a business may need to tie up its own cash as collateral, leaving less money available for materials, salaries, and other project expenses.<\/p>

A contract guarantee allows the required security to be arranged without tying up the company's working capital. This leaves more cash available for the actual work and makes it easier to take on new projects.<\/p>

When is inventory financing worth considering?\u00a0<\/b><\/h5>

It is not a good idea to wait until your business is down to its last euros before applying for financing. In most cases, you will have more options when future funding needs are identified early.<\/p>

If you know that a larger order, a new customer, a seasonal peak, or longer-than-usual customer payment terms are ahead, it is worth exploring your financing options in advance. This helps your business continue operating smoothly without missing valuable opportunities simply because your cash is temporarily tied up elsewhere.<\/p>

A shortage of working capital does not mean that your business is performing poorly. In many cases, it simply means that customer payments arrive after your own bills have already become due. This is a common situation, especially for growing businesses and industries where long payment terms are standard.<\/p>

When working capital needs are identified early, day-to-day operations run more smoothly, and individual invoices or larger orders are less likely to slow your business down. If cash regularly feels tight even though business is good, it is worth looking into financing well in advance. We help you find the financing solution that best suits your business, whether you need a business line of credit, a business loan, inventory financing, or a contract guarantee.<\/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

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\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tContact 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":"

Yrityksen rahat loppuvat kesken? Syy voi olla k\u00e4ytt\u00f6p\u00e4\u00e4omassa. Yrityksell\u00e4 voi olla paljon t\u00f6it\u00e4, uusia asiakkaita ja hyv\u00e4 tilauskanta. Silti tilill\u00e4 ei aina ole riitt\u00e4v\u00e4sti rahaa silloin, kun laskut er\u00e4\u00e4ntyv\u00e4t. Materiaalit on ostettu, ty\u00f6ntekij\u00f6iden palkat pit\u00e4\u00e4 maksaa ja uusia hankintoja pit\u00e4isi tehd\u00e4, vaikka asiakkaiden maksut eiv\u00e4t ole viel\u00e4 ehtineet tilille.\u00a0\u00a0 Tilanne on monelle yritt\u00e4j\u00e4lle tuttu. Se […]<\/p>\n","protected":false},"author":1,"featured_media":4826,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[433,418,213,340,230,423,424,405,336,425,434,265,243,419,387,429,431,162,432,365,324,149,435,426,264,218,273,386,436,266,427,430,428,240,163,137,381,159],"class_list":["post-4825","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-avoimet-laskut","tag-investointirahoitus","tag-kassanhallinta","tag-kasvurahoitus","tag-kayttopaaoma","tag-kayttopaaoman-hallinta","tag-kayttopaaoman-puute","tag-kayttopaaoman-rahoitus","tag-kayttopaaoman-tarve","tag-kayttopaaoman-vahvistaminen","tag-laskujen-maksaminen","tag-maksuaika","tag-maksuvalmius","tag-pitkat-maksuajat","tag-pk-yrityksen-rahoitus","tag-rahantarve","tag-rakennusalan-rahoitus","tag-tililimiitti","tag-urakkatakaukset","tag-urakkatakaus","tag-varaston-rahoitus","tag-varastorahoitus","tag-yrityksen-arjen-rahoitus","tag-yrityksen-kassatilanne","tag-yrityksen-kassavirta","tag-yrityksen-kasvu","tag-yrityksen-kulut","tag-yrityksen-kayttopaaoma","tag-yrityksen-kayttopaaoman-riittavyys","tag-yrityksen-maksuvalmius","tag-yrityksen-rahat-loppuvat","tag-yrityksen-rahat-loppuvat-kesken","tag-yrityksen-rahatilanne","tag-yrityksen-rahoitus","tag-yrityksen-tililimiitti","tag-yrityslaina","tag-yritysluotto","tag-yritysrahoitus"],"_links":{"self":[{"href":"https:\/\/konkretiarahoitus.fi\/en\/wp-json\/wp\/v2\/posts\/4825","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=4825"}],"version-history":[{"count":17,"href":"https:\/\/konkretiarahoitus.fi\/en\/wp-json\/wp\/v2\/posts\/4825\/revisions"}],"predecessor-version":[{"id":4846,"href":"https:\/\/konkretiarahoitus.fi\/en\/wp-json\/wp\/v2\/posts\/4825\/revisions\/4846"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/konkretiarahoitus.fi\/en\/wp-json\/wp\/v2\/media\/4826"}],"wp:attachment":[{"href":"https:\/\/konkretiarahoitus.fi\/en\/wp-json\/wp\/v2\/media?parent=4825"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/konkretiarahoitus.fi\/en\/wp-json\/wp\/v2\/categories?post=4825"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/konkretiarahoitus.fi\/en\/wp-json\/wp\/v2\/tags?post=4825"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}