5 Practical Cash Flow Principles for a Christian Business


2016-04-28.jpgOne in four businesses fold due to chronic cash flow shortages. It’s not always possible to predict and fend-off cash flow problems. But, negative cash flow is real and can happen unexpectedly.   

Using proven Christ-honoring cash management principles, The C12 Group has developed proactive steps to help Christian business owners effectively monitor cash flow and alleviate shortages before they become dire.  

In accordance to Psalm 24:1 9 (NIV), we know “The earth is the Lord’s, and everything in it, the world and all who live in it…” So, here are 5 principles you can apply to keep the cash, and Spirit flowing in and throughout your business.

  1. Decrease receivables. Actively manage accounts receivable and quickly collect past due accounts. Often, slow collections are the result of disorganized procedures that are within our control. Timely collection begins with a sound strategy and policy for extending credit. If we give too much credit to those who do not warrant it, or fail to establish reasonable financial consequences, problems occur.

  1. Shorten collection times: Establish collection terms and create a consistent collection process the very day an invoice becomes overdue.  Some C12 Members suggest periodically offering special terms or inducements to encourage customers to pay early, thereby increasing the cash on hand.

  1. Request extended supplier terms.  As Christians in business this may seem tough as we have an obligation to pay what we owe, when it is owed.  we also have freedom to ask for temporary relief from creditors.  Suppliers are often willing to extend special terms to businesses they view as loyal, long-term customers. This can help buffer short-term cash deficits. By extending our payables and decreasing receivables, we can abbreviate our cash conversion cycle and improve cash flow.

  1. Increase margins:  By fully pricing for market value received and reducing costs, companies can reduce waste and redundancies.  During times of growth, it easy to be hasty and add overhead without clear justification.  Inflated payroll, misguided perks, poorly specified inventory and lax accountability will negatively impact our cash flow.


  1. Require transparency:  By making cash flow management a highly visible and important function within the business, we can eliminate surprises.  Develop a cash flow projection model that analyzes and monitors the daily inflow and outflow of cash. Include the management team to discuss ‘what if’ scenarios and cash flow contingency plans.

As Christians in business, it is our duty to meet our financial obligations and make decisions that will build a business that brings Him glory.  Each month, in peer groups of 10-12, C12 members focus on critical business aspects while being faithful Stewards of the businesses with which God has entrusted us 


Support at C12

Debt and cash flow management are just some of the critical business topics C12 members discuss each month in their advisor peer groups.   If you would like to learn more about becoming a part of C12, find a group near you today.


  • Kevin Miller Bio

    With over a decade of experience in marketing leadership, brand management, and business development, Kevin has helped numerous companies refine and implement plans to create exponential growth.

    Prior to joining C12, Kevin led a successful Florida-based brand strategy consulting business focused on growing small and medium-sized businesses. Entrepreneurial in spirit, Kevin also has a diverse background in launching start-ups as well as helping struggling or stagnant businesses develop a new course of action. His experience incorporates knowledge from multiple industries including textile manufacturing and design, medicine, real estate, technology, web development, and the creative arts.

    After attending the University of Central Florida where he studied Music Performance, Kevin became involved in worship arts and youth ministries, serving for several years in various leadership roles. He and his wife Beth, an elementary school administrator, have been married since 2000. Together with two sons Kyle and Kamden, they enjoy a wide variety of outdoor activities including hiking, hunting, fishing, and backpacking.

  • Troy Blackmon Bio

    Troy came to The C12 Group in 2008, with a diverse background in executive leadership, sales development, team building, and operations. Through his role as VP of Field Operations, he is committed to serve, equip and encourage CEOs and business owners to lead thriving companies that honor the Lord and serve people.

    During his tenure at Chick-fil-A, Inc. Troy learned that business excellence and glorifying God in the marketplace go hand in hand. Troy managed a P&L of $35+ million in revenue and coached business owners in operational excellence and improving financial results.

    In addition, Troy has been involved in leading small group ministry, including planting a church in Seattle, WA. Troy was formerly Partner at OneAccord, a management-consulting firm focused on accelerating revenue for mid-market companies. While at OneAccord, Troy was privileged to work with numerous technology companies in senior leadership positions, managing sales, marketing, and business development activities. Troy most recently served as the President of a technology private equity group, where he led the management teams of 4 portfolio businesses.

    Troy is married to his high school sweetheart, Shanna, and has been blessed with 4 children. He enjoys golf, cycling, and mountain biking with his family.

  • Mike Sharrow Bio

    Mike joined C12 as a member in 2010 while serving as an executive pastor for a large church in Texas and owner of a healthcare strategy consulting group.  Prior to that, he had served in a variety of leadership roles in both operations and sales corporately for the Walgreen Company, financial services as well as strategic development work with Health by Design.  In 2011 he exited his commitments to join the local C12 practice in San Antonio as an associate chair serving CEOs across that market.  In 2013 he and a partner acquired the greater Central Texas region and stewarded it as it grew to a team of 8 full-time chairmen serving nearly 150 leaders.  Mike is passionate about collaboration, strategic planning, Gospel initiatives and BHAG endeavors.

    With a background spanning Fortune 50 corporate settings, startups, non-profit and local church, Mike has been discipled into an integrated life perspective around the calling all believers share to be disciple-making disciples and ambassadors of Christ across all vocations and contexts.  It was in 2005 when God revealed to Mike the perils of a “sacred versus secular” duality in life and since then he’s been on the adventure of living one life in Christ, with work as worship, business as ministry and life as mission.

    Mike grew up in Alaska, graduated from Trinity International University and the Loyola Graduate School of Business.  He married his bijou of an Iowa farmers daughter, Jacqui, in 2002 and they have 2 girls, Elayna and Sophia.