Cash flow remains the heartbeat of every small business, yet in today’s climate of volatile tariffs, higher operating costs and unpredictable payment cycles, many SMEs are finding it difficult to keep liquidity steady. 

According to the 2022 ASEAN SME Transformation Study by UOB, Accenture and Dun & Bradstreet, 82% of business failures are linked to poor cash-flow management, serving as a reminder of how vulnerable SMEs can be when funds are left idle or visibility over cash positions is weak.

Kelvin, Co-founder and Group CEO, Funding Societies and Dennis Poh, Founder and Managing Partner of Legatcy Consulting LLP, join the Breakfast Show to explore what smarter cash management looks like today, from segmenting working capital to using digital treasury tools and short-term instruments, and how SMEs can build stronger financial resilience.