Forecasting Your Appraisal Business

Wednesday, March 27, 2013

Memorize this statement:  "Cash flow is the lifeblood of all businesses. Without cash flow your business will die."

I stress this statement often when I talk to appraisers during conferences, meetings, and webinars. Why?  Because you are a small business owner first… and an appraiser second! Appraisers do a remarkable job and take great pride in their appraisal work. I recommend that you also take this attitude and approach towards your appraisal business, particularly your cash flow.

What Is Cash Flow Forecasting
Cash flow forecasting is defined as planning what cash will come into the business in order to ensure that outgoing cash is covered and does not exceed what's available. Having this knowledge of what your cash is doing in detail is essential especially to appraisers. This awareness ensures you have the necessary funds to operate your appraisal business.

Aside from making sure you have enough cash to sustain your appraisal business, improving your cash flow forecasting has other benefits. Here are three important reasons why you ought to improve your cash flow forecasting:

Grow, Grow, GROW
Growing your appraisal business requires sound financial planning. As your operation increases in size, it will need to be supported with sufficient cash to stay afloat. But without proper future cash flow forecasts your appraisal business will experience short-term cash deficiencies. It is this stage where the majority of appraisers I talk to are in – stuck in a cycle where money comes in but quickly goes back out. This crippled state eliminates any opportunity for growth.

Prepare For Uncertainties
An appraiser from Florida once told me: "In life there are lots of uncertainties. As an appraiser that's an understatement!"  He was referring to the current climate of the appraisal profession and as he stated "uncertainties ahead of us." It is this perspective that he has chosen to pay himself just enough to get by and saving any excess cash for a rainy day.

If you do not have excess cash flow now, you will not have the ability to grow your working capital and prepare for the future. Improving your cash flow forecasts gives you the ability to see if you'll have the capital to cover what lies ahead.

Take Control
Negative cash flow can quickly take you towards a downward spiral to catastrophe regardless of the size of the appraisal operation. For instance, consider the recent AMC closings such as JVI, NREIS, and ES Appraisal. Like all businesses that become insolvent, poor cash management is the ultimate result of these organizations' failure.

Take control of your appraisal business now by simply getting accounts receivable paid earlier. For example, if you improve collection by a week, then you would have the same cash as you would today AND what you would normally have a week from now! This compounding effect can have a substantial outcome on your appraisal business's cash over time.

How To Get Started
Again… "Cash flow is the lifeblood of all businesses. Without cash flow your business will die."

Whether you're a large appraisal office or a one-person operation, now is the time to improve your cash flow forecasting. Tax season is a great time to reassess your appraisal business's finances because it allows you to see how your appraisal business did financially in 2012.

Revisit your cash flow forecast to ensure its accuracy and plan for the future. If you do not have a cash flow forecast or do not know how to start one visit with your CPA. You can also check out Inc.com's Cash Flow Forecast Tool to help you get started.

Improving your financial management through cash flow forecasting will help your business grow, prepare for uncertainties, and take back control of your appraisal business.

Have any comments or would you like to submit content of your own? Email Jim@appraisalbuzz.com

Comments

Ramir:Thanks for the information.  Good article and information that we appraisers need to understand in order to thrive.  Our job is to appraise houses, not chase money.Dustin Harris-The Appraiser Coach

How do you grow when 90+% of the business that is available will let you and only you do the inspections and complete the report? There are only so many hours in a day. Getting the business is not the problem. 

If they are slow or I have a hard time collecting they go on my "Black List". I just had an local appraiser call me last week about a amc he was having a hard time colecting from. I informed him, that AMC has been on my black list for several years now. I even had one manager call me as I turn down thier work because of the show pay. He said I was the problem that I did not upload my invoice right. LOL, they got my appraisal, but not my invoice, right.

You know about how much your car is worth. Same with your house, or your child’s education, even the watch you are wearing. If you are a business owner and you know how much most of your possessions are worth but you don’t know the market value of your business, then you’re missing something terribly important. Many business owners underestimate the value of their business and the value of a proper business appraisal. There are few important reasons why we need to appraise our businesses. We need to protect ourselves, our families and loved ones. We need to have an accurate estate plan.

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