THE FLOAT LINE

A bakery-café owner opened her fifth location on a Tuesday and was nine days from missing payroll by the following Thursday - while the business was more profitable than it had ever been. A franchisee's fixed royalty fee didn't pause for his slowest month. A fitness-studio owner expanded to three locations in fourteen months and came up just under $900 a month short.
A growing, profitable business can still run out of cash. Profit and cash flow are not the same question - and the distance between them only grows as a business adds locations.
The Float Line introduces the FLOAT Method - Forecast your float gap, Layer your capital sources, Optimize the operating cycle, Absorb shocks before they hit, and Transfer control without losing continuity - a five-step framework for the multi-location or franchise owner whose cash flow timing has quietly become harder to manage than the business's actual profitability.
Through the honest, numbers-first stories of three real-feeling operators - a bakery chain's nine-day payroll scare and the disciplined recovery that followed, a franchisee managing a fixed royalty obligation across three territories, and a fitness-studio owner whose fast expansion outran her float until a proactive phone call and an honest recalculation corrected course - you'll learn exactly how to calculate your business's actual cash conversion cycle, layer capital sources before you need them, shrink the float gap itself, protect the business against a genuine shock, and build the systems that let it run without depending entirely on you.
This is Book Six of The Infinite Banking Playbooks - the companion series to Beginner's Guide to Infinite Banking, applying the same honest, evidence-based approach to one real decision at a time.