How a Graphic Designer Used Cash Flow Forecasting to Avoid Credit Card Debt

Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance · Jul 20, 2026 · 8m · transcript

Episode 126 of Cash Flow Conversations. Lucas and Luna unpack the story of Mia Chen, a freelance graphic designer in Austin who was stuck in a cycle of paying for business expenses with personal credit cards. Mia's revenue was solid — around $90,000 a year — but the timing of client payments never matched her outflows. Software subscriptions, printer ink, contractor deposits all hit before the checks arrived. Lucas walks through how Mia built a 13-week rolling cash flow forecast in a simple spreadsheet, identified three predictable cash gaps, and used a $5,000 business line of credit…