9 Cash Flow Problems Every Startup Faces (And How to Solve Them)

Real solutions from founders who survived cash crunches (with templates and formulas).

We had $1.2M in the bank but still almost went bankrupt.

This confession from a Series A founder highlights a crucial truth: cash flow problems can kill even well-funded startups.

After analyzing hundreds of startup cash flow crises and interviewing dozens of founders who survived them, we’ve identified the nine most common cash flow problems — and more importantly, how to solve them.

The Cash Flow Crisis Framework

Before diving in, understand this crucial equation:

Runway = Cash Balance ÷ Monthly Burn Rate

Danger Zone = Less than 6 months of runway

💡 Pro Tip: Monitor your “true runway” weekly, not monthly. Cash flow problems compound faster than you think.

Problem #1: Long Sales Cycles

Severity: Critical

The Problem:

- Revenue delayed 60-90 days
- Marketing costs immediate
- Salaries still due monthly
- Cash gap widens