
Build a 90-Day Emergency Liquidity Kit—Before You Actually Need It
Covid taught us liquidity is life. A simple three-part kit keeps you breathing if revenue stops for a quarter. ComponentTargetStorageCash buffer1 month OPEXHigh-yield money-market fundStandby line15 % of annual revenueUndrawn credit facilityInvoice-finance limit80 % of average receivablesOn-call Activation Order 1. Draw invoice line for operating cash. 2. Tap standby only if buffer