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Cash is the most liquid asset for a business firm. While the proportion of corporate assets held in the form of cash is very small, often between 1 per cent and 3 per cent, its efficient management is crucial to the solvency of the business because in a very important sense cash is the focal point of fund flows in a business.

In view of its importance, it is generally referred to as the“life blood of a business enterprise”. Why does a firm need cash? There are two primary reasons for a firm to hold cash: to meet the needs of day-to-day transactions and to protect the firm against uncertainties characterizing its cash flows.

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Despite its benefits, cash is an idle resource. The trade-off for cash holding is that you get liquidity but sacrifice profits by foregoing alternative investment options. That is why the financial manager should carefully control cash. Short-term cash budgeting is the principal means by which cash is managed.

Cash budgets, routinely prepared by business firms, are helpful in estimating cash requirement, planning short term financing, scheduling payments in connection with capital expenditure projects, planning purchases of materials, developing credit policies and checking the accuracy of long- term forecasts.

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Firms use multiple short-term forecasts, of varying length and detail, suited to meet different needs. The commonly used designs for short-term cash forecasts are one year divided into quarters, or months and one month divided into weeks.

A firm, hard pressed with liquidity crunch, may even prepare a weekly cash forecast divided into days. The point to be emphasized here is that these multiple formats serve different purposes and should not be regarded as mutually exclusive.The principal method of short- term cash forecasting is the receipts and payments method.

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Quick Cash Advance

Traditionally, cash advance loans were only available for people who had steady jobs, as one of the most important requirements in getting approved for a cash advance is a steady source of income. Although in recent years, lenders have now extended cash advances to people who do not meet the requirement of having a steady source of income from which the loan can be repaid.


This is because there are now some lenders who offer cash advances to unemployed people. However, although the cash advances that people get is somewhat similar to the cash advances that are made available to unemployed people, there are very stark differences, which have become the reasons why lenders offer these loans in the first place.

Similarities and differences

There are a number of similarities between the cash advance loans that are available to employed and unemployed people. Some of these include the fact that both cash advances are short-term loans and both loans can be approved in a very short period of time. However, there are some major differences between the two loan products.



One of these is that the interest rates for the cash advances for unemployed people are usually higher that the usual 15% that are charged on regular cash advance loans. Another difference is that the loan amounts that are usually given to unemployed people are also significantly lower than what employed people are given.

The reason for the differences in the rates and the loan amounts is that because lenders consider unemployed people a higher risk. However, it is because of the high rates and the low loan amounts that have made these kinds of loan products very popular among lenders, as they can prove to be more profitable than regular cash advance loans they provide employed people. Given this, unemployed people who are thinking of getting these kind of loan should make sure that they have carefully considered the pros and cons in getting a cash advance loan.

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