7 Trimble Transportation Your Offcial Small Carrier Playbook #4 Addressing financial and capital needs Effective budgeting and cost management processes are the backbone of financial control. Your ability to secure receivables from a stable client base is about more than paying the bills; it’s also what leads to access to credit and working capital. Led by the right “money” person and with meaningful and actionable data you can make the right financial decisions at the right time. Consider both your income and your costs at all times and put in place credit and collection policies that account for both fixed and fluid revenue streams and expenses. Don’t lose sight of the long term—a bankable customer with a solid track record who needs a temporary extension of credit terms can be much more valuable than taking freight just to quickly generate cash flow.