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Always consult a qualified professional before acting on any information provided.",[1110,1112],{"_key":1096,"_type":188,"externalUrl":1111,"linkType":145},"\u002Ftnc\u002Fmaster-service-agreement",{"_key":1104,"_type":188,"externalUrl":1113,"linkType":145},"\u002Fpricing",{"body":1115,"eyebrow":528,"heading":1116,"image":1117,"link":1122},"Find out how Aspire can help you speed up your end-to-end finance processes from payments to expense management.","Supercharge your finance operations",{"_type":154,"alternativeText":1118,"height":1119,"url":1120,"width":1121},"A person working at a laptop with an open notebook beside them",1026,"https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fimages\u002Fd84bbcbad1e6ba37331742538394d1b0\u002F69d5f2a347377654dbe286ac_blog-post-template-04-q70.webp",1048,{"_type":143,"externalUrl":1083,"label":1123,"linkType":145},"Talk to sales",[1125,1134,1145,1155],{"_id":1126,"category":1127,"coverImage":1128,"description":1131,"publishedAt":1132,"slug":1133,"title":1129},"blogPost-SG-6aa81a1539b471392a83d4cd",{"slug":591,"title":592},{"_type":154,"alternativeText":1129,"url":1130},"Aspire Launches Aspire Account-Opening Integration With Osome","https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fimages\u002F4a31adfeaddefdf9b7f4ef5f566c00ad\u002F6aa81a1339b471392a83d438_Aspire-Osome.jpeg","Aspire and Osome partner to enable faster Business Account opening","2026-09-16T00:00:00.000Z","aspire-osome-account-opening-integration",{"_id":1135,"category":1136,"coverImage":1139,"description":1142,"publishedAt":1143,"slug":1144,"title":1140},"blogPost-SG-6a8c6a9a178cfe861275b350",{"slug":1137,"title":1138},"finance-tools","Finance Tools",{"_type":154,"alternativeText":1140,"url":1141},"Stripe payment processing for Singapore businesses: Setup, fees, and alternatives","https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fimages\u002Fcb6607760ee020276ebb5087fbf64245\u002F6a8c6a98178cfe861275b2fb_EXPENSE-MGMT-49.jpeg","Learn how Stripe works in Singapore, how to set it up, fees and payouts, accepted payment methods, and options for growing businesses.","2026-09-09T00:00:00.000Z","stripe-payment-processing-singapore-businesses",{"_id":1146,"category":1147,"coverImage":1150,"description":1153,"publishedAt":1143,"slug":1154,"title":1151},"blogPost-SG-6a95a525d8f437f2334d1202",{"slug":1148,"title":1149},"business-advice","Business Advice",{"_type":154,"alternativeText":1151,"url":1152},"Payroll outsourcing in Singapore: What founders need to know","https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fimages\u002F4ab5f167b1dd7ea6df896c17cf95674e\u002F6a95a521d8f437f2334d113d_PAYMENTS-14.jpeg","Learn about payroll outsourcing, including costs, services, benefits, risks, and how to choose the right provider for your business in Singapore.","payroll-outsourcing-singapore-explained",{"_id":1156,"category":1157,"coverImage":1158,"description":1161,"publishedAt":1143,"slug":1162,"title":1159},"blogPost-SG-6a95a538fb9a05eaf4b9774c",{"slug":1148,"title":1149},{"_type":154,"alternativeText":1159,"url":1160},"Global payroll outsourcing: How it works for Singapore businesses in 2026","https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fimages\u002Fbe849a3e08f8d5d0a5bcbbffb5b2ba7b\u002F6a95a537fb9a05eaf4b97747_PAYMENTS-45.jpeg","Learn how global payroll outsourcing works for Singapore businesses, from local payroll requirements and compliance to EORs and choosing the right provider.","global-payroll-outsourcing",{"data":1164,"sourceMap":-1},{"_id":1165,"_updatedAt":1166,"alternates":1167,"areSourcesShown":152,"author":1169,"body":1179,"category":1888,"coverImage":1889,"excerpt":1892,"faq":246,"intro":1900,"isFaqShown":152,"isSummaryShown":152,"isVideoShown":152,"publishedAt":1913,"reviewer":246,"seo":1914,"slug":1916,"sources":246,"title":1890,"video":246},"blogPost-SG-682abaf90cc1fc26ad7824b5","2026-09-24T08:39:53Z",[1168],{"canonicalUrl":246,"isNoIndex":246,"language":246,"market":84,"pathPrefix":246},{"avatar":1170,"bio":1175,"doesServePage":141,"linkedinUrl":1176,"name":1171,"role":1177,"slug":1178,"twitterUrl":246},{"_type":154,"alternativeText":1171,"height":1172,"url":1173,"width":1174},"Aaron Oh",531,"https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fimages\u002Fe9dd13f054f96ed8109919914ded7706\u002F656ee6448fe54a42218817dc_DSC_0048.jpg",413,"Aaron is a seasoned content writer specialising in finance, insurance and tech industries. With a writing history at S&P Global, EdgeProp, Indeed, Prudential, and others, Aaron leverages finance knowledge and business insights to help businesses improve productivity and performance.","https:\u002F\u002Fwww.linkedin.com\u002Fin\u002Faaron-oh","Writer","aaron-oh",[1180,1190,1198,1206,1212,1220,1228,1238,1246,1254,1262,1281,1289,1297,1305,1313,1321,1329,1337,1341,1349,1357,1365,1373,1382,1390,1398,1406,1414,1422,1431,1439,1447,1455,1463,1471,1479,1487,1495,1498,1506,1514,1522,1530,1538,1546,1554,1562,1570,1578,1586,1594,1602,1610,1614,1622,1630,1638,1646,1654,1662,1670,1678,1686,1694,1702,1710,1718,1726,1734,1737,1745,1753,1761,1769,1777,1807,1822,1830,1838,1857,1872,1880],{"_key":1181,"_type":170,"children":1182,"markDefs":1188,"style":1189},"k2",[1183],{"_key":1184,"_type":174,"marks":1185,"text":1187},"k1",[1186],"strong","Introduction to cash flow",[],"h2",{"_key":1191,"_type":170,"children":1192,"markDefs":1197,"style":190},"k5",[1193],{"_key":1194,"_type":174,"marks":1195,"text":1196},"k4",[],"Cash flow is either positive or negative. Positive cash flow is when cash inflows exceed cash outflows. Negative cash flow is the reverse. Cash flow management is the process of tracking, analysing, and controlling cash movements in order to maintain adequate liquidity to run daily operations and fulfil short-term obligations.",[],{"_key":1199,"_type":170,"children":1200,"markDefs":1205,"style":190},"k8",[1201],{"_key":1202,"_type":174,"marks":1203,"text":1204},"k7",[],"Successful cash flow management ensures a healthy cash position, allowing businesses to cover operating costs, fulfil financial commitments, make smart investments, and prepare for future financial challenges. 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These are:",[],{"_key":1229,"_type":170,"children":1230,"level":1235,"listItem":1236,"markDefs":1237,"style":190},"k18",[1231],{"_key":1232,"_type":174,"marks":1233,"text":1234},"k17",[],"Operating cash flow, or cash flow from operations, such as the sale of goods and services.",1,"bullet",[],{"_key":1239,"_type":170,"children":1240,"level":1235,"listItem":1236,"markDefs":1245,"style":190},"k21",[1241],{"_key":1242,"_type":174,"marks":1243,"text":1244},"k20",[],"Financing cash flow, or cash flow from financing activities, such as bank loans, stock sales, and paying of dividends.",[],{"_key":1247,"_type":170,"children":1248,"level":1235,"listItem":1236,"markDefs":1253,"style":190},"k24",[1249],{"_key":1250,"_type":174,"marks":1251,"text":1252},"k23",[],"Investing cash flow, or cash made from\u002Fspent on investment-related activities, such as asset sales.",[],{"_key":1255,"_type":170,"children":1256,"markDefs":1261,"style":1189},"k27",[1257],{"_key":1258,"_type":174,"marks":1259,"text":1260},"k26",[1186],"Understanding cash flow statements",[],{"_key":1263,"_type":170,"children":1264,"markDefs":1278,"style":190},"k35",[1265,1269,1274],{"_key":1266,"_type":174,"marks":1267,"text":1268},"k32",[],"A typical activity in cash flow management is preparing cash flow statements, explained in detail in our article '",{"_key":1270,"_type":174,"marks":1271,"text":1273},"k33",[1272],"k29","What Is A Cash Flow Statement And How Do You Prepare One?",{"_key":1275,"_type":174,"marks":1276,"text":1277},"k34",[],"'. A company's cash flow statement records how much cash it made and spent from the three activities mentioned above in a given period.",[1279],{"_key":1272,"_type":188,"externalUrl":1280,"linkType":145},"https:\u002F\u002Faspireapp.com\u002Fblog\u002Fwhat-is-cash-flow-statement-and-how-to-prepare",{"_key":1282,"_type":170,"children":1283,"markDefs":1288,"style":190},"k38",[1284],{"_key":1285,"_type":174,"marks":1286,"text":1287},"k37",[],"Cash flow statements count as mandatory financial statements along with balance sheets and income statements. Across the world, they are prepared in accordance with stipulated norms such as the Singapore Financial Reporting Standards, International Financial Reporting Standards, and US-centric Financial Accounting Standards Board.",[],{"_key":1290,"_type":170,"children":1291,"markDefs":1296,"style":190},"k41",[1292],{"_key":1293,"_type":174,"marks":1294,"text":1295},"k40",[],"They can be made using either the direct method of accounting or the indirect method.",[],{"_key":1298,"_type":170,"children":1299,"markDefs":1304,"style":190},"k44",[1300],{"_key":1301,"_type":174,"marks":1302,"text":1303},"k43",[],"Cash flow statements contain insights on how and where companies make money and pay expenses. This information helps them preserve enough money to meet operating expenses and repay debts. It also contributes to worthwhile cash flow management strategies.",[],{"_key":1306,"_type":170,"children":1307,"markDefs":1312,"style":190},"k47",[1308],{"_key":1309,"_type":174,"marks":1310,"text":1311},"k46",[],"By exposing underlying problems and providing an overview of company finances, these statements assist business in planning their moves intelligently.",[],{"_key":1314,"_type":170,"children":1315,"markDefs":1320,"style":1189},"k50",[1316],{"_key":1317,"_type":174,"marks":1318,"text":1319},"k49",[1186],"Cash flow analysis",[],{"_key":1322,"_type":170,"children":1323,"markDefs":1328,"style":190},"k53",[1324],{"_key":1325,"_type":174,"marks":1326,"text":1327},"k52",[],"Regular cash flow analysis is mission critical for improving cash flow. Examining cash inflows and cash outflows over time reveals trends and patterns that support informed financial decisions.",[],{"_key":1330,"_type":170,"children":1331,"markDefs":1336,"style":190},"k56",[1332],{"_key":1333,"_type":174,"marks":1334,"text":1335},"k55",[],"For example, a positive cash flow looks good on the outside but a proper analysis will tell if it is on account of robust sales or excessive debt financing. By unearthing hidden cash flow issues, a cash flow analysis ensures swift corrective action is taken.",[],{"_key":1338,"_type":154,"height":1339,"position":1209,"url":1340,"width":1211},"k57",360,"https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fblog\u002F7f59d622148c9e9a382d718c89b2f563\u002Fcomplete-guide-to-cash-flow-management_body_complete-guide-to-cash-flow-management_2.gif",{"_key":1342,"_type":170,"children":1343,"markDefs":1348,"style":190},"k60",[1344],{"_key":1345,"_type":174,"marks":1346,"text":1347},"k59",[],"Along with cash flow statements, a cash flow analysis uses other key indicators to assess a company's cash holdings. Free cash flow is one. Calculated as net operating cash flow minus capital expenditures, it measures the ability to generate cash beyond operational needs. However, what free cash flow really indicates is how much left-over money a company has that can be used for paying dividends or repaying bank loans.",[],{"_key":1350,"_type":170,"children":1351,"markDefs":1356,"style":190},"k63",[1352],{"_key":1353,"_type":174,"marks":1354,"text":1355},"k62",[],"Another indicator is operating cash flow margin. It measures the rate at which a company converts sales into cash flow, serving as an indicator of operational efficiency, earning ability, and profitability.",[],{"_key":1358,"_type":170,"children":1359,"markDefs":1364,"style":1189},"k66",[1360],{"_key":1361,"_type":174,"marks":1362,"text":1363},"k65",[1186],"Techniques for managing cash flow",[],{"_key":1366,"_type":170,"children":1367,"markDefs":1372,"style":190},"k69",[1368],{"_key":1369,"_type":174,"marks":1370,"text":1371},"k68",[],"An effective cash flow management process not only tracks cash movement but also predicts future needs and optimises accounts receivable and accounts payable. Here are three cash flow management strategies to optimise cash flow and make the most of financial resources:",[],{"_key":1374,"_type":170,"children":1375,"markDefs":1380,"style":1381},"k72",[1376],{"_key":1377,"_type":174,"marks":1378,"text":1379},"k71",[1186],"1. Cash flow forecasting",[],"h3",{"_key":1383,"_type":170,"children":1384,"markDefs":1389,"style":190},"k75",[1385],{"_key":1386,"_type":174,"marks":1387,"text":1388},"k74",[],"This technique involves predicting net flows and balances in the future. Businesses use cash flow forecasts to anticipate cash inflows and outflows during an impending period, pick on early signs of a potential shortfall, and take corrective action.",[],{"_key":1391,"_type":170,"children":1392,"markDefs":1397,"style":190},"k78",[1393],{"_key":1394,"_type":174,"marks":1395,"text":1396},"k77",[],"Apart from anticipating cash shortages, predicting future cash flow also allows companies to plan for cash surpluses that can fuel business growth.",[],{"_key":1399,"_type":170,"children":1400,"markDefs":1405,"style":190},"k81",[1401],{"_key":1402,"_type":174,"marks":1403,"text":1404},"k80",[],"Predicting the future isn't an exact science, but cash flow forecasting has proved an effective method of future planning. By leveraging historical data, industry trends, and economic conditions, it is possible to plan confidently for future operational, financial, and investment activities. Cash forecasts are crucial if one hopes to have enough cash without resorting to borrowings and asset sales.",[],{"_key":1407,"_type":170,"children":1408,"markDefs":1413,"style":190},"k84",[1409],{"_key":1410,"_type":174,"marks":1411,"text":1412},"k83",[1186],"How to create a cash flow forecast",[],{"_key":1415,"_type":170,"children":1416,"markDefs":1421,"style":190},"k87",[1417],{"_key":1418,"_type":174,"marks":1419,"text":1420},"k86",[],"Once the reporting period has been picked, follow these steps:",[],{"_key":1423,"_type":170,"children":1424,"level":1235,"listItem":1429,"markDefs":1430,"style":190},"k90",[1425],{"_key":1426,"_type":174,"marks":1427,"text":1428},"k89",[],"Take note of the opening cash balance.","number",[],{"_key":1432,"_type":170,"children":1433,"level":1235,"listItem":1429,"markDefs":1438,"style":190},"k93",[1434],{"_key":1435,"_type":174,"marks":1436,"text":1437},"k92",[],"List all anticipated cash inflows for the period, including cash receipts, tax refunds, incoming investments or financing, etc.",[],{"_key":1440,"_type":170,"children":1441,"level":1235,"listItem":1429,"markDefs":1446,"style":190},"k96",[1442],{"_key":1443,"_type":174,"marks":1444,"text":1445},"k95",[],"List all expected cash outflows, including operating costs. Don't forget non-regular expenses like taxes, maintenance costs, upcoming fees, etc.",[],{"_key":1448,"_type":170,"children":1449,"level":1235,"listItem":1429,"markDefs":1454,"style":190},"k99",[1450],{"_key":1451,"_type":174,"marks":1452,"text":1453},"k98",[],"Add up the incoming and outgoing cash separately. Then, take the opening balance, add the inflows and subtract the outflows. This is your closing balance.",[],{"_key":1456,"_type":170,"children":1457,"markDefs":1462,"style":190},"k102",[1458],{"_key":1459,"_type":174,"marks":1460,"text":1461},"k101",[],"Next comes analysing the forecast. Study net cash flow (inflows minus outflows) for clarity on how cash reserves went up or down. Once a forecast has been acted upon, don't forget to compare it to what actually happened during the reporting period. If the projection was incorrect, reflect upon what you miscalculated. This will ensure the next forecast is more accurate.",[],{"_key":1464,"_type":170,"children":1465,"markDefs":1470,"style":190},"k105",[1466],{"_key":1467,"_type":174,"marks":1468,"text":1469},"k104",[],"Neglecting cash flow projections amounts to poor cash flow management as they directly impact decision-making and budgeting.",[],{"_key":1472,"_type":170,"children":1473,"markDefs":1478,"style":1381},"k108",[1474],{"_key":1475,"_type":174,"marks":1476,"text":1477},"k107",[1186],"2. Managing accounts payable",[],{"_key":1480,"_type":170,"children":1481,"markDefs":1486,"style":190},"k111",[1482],{"_key":1483,"_type":174,"marks":1484,"text":1485},"k110",[],"Accounts payable has a direct connection with cash flow because it represents money owed to vendors and suppliers. The company records it when it receives an invoice for goods\u002Fservices bought on credit, not when it pays for the purchase. Effective accounts payable management is all about getting payment timings right. 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Using the insights, trends, and patterns born out of strong cash flow management strategies, companies can make decisions validated by something stronger than intuition and assumptions.",[],{"_key":1579,"_type":170,"children":1580,"level":1235,"listItem":1429,"markDefs":1585,"style":190},"k148",[1581],{"_key":1582,"_type":174,"marks":1583,"text":1584},"k147",[],"It supports growth. With full clarity on net flows, business leaders can plan to expand the business without draining financial resources or taking on excess debt.",[],{"_key":1587,"_type":170,"children":1588,"level":1235,"listItem":1429,"markDefs":1593,"style":190},"k151",[1589],{"_key":1590,"_type":174,"marks":1591,"text":1592},"k150",[],"It promotes smart investments. Great cash flow management strategies not only sustain sufficient liquidity but also stop the underutilisation of funds. 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