5 Smart Money Moves Every Small Business Owner Should Make Before December 31

Ever hit October and thought, “Where did the year go—and why does my cash flow feel tighter than ever?” You’re not alone. Between climbing rates, lender pullbacks, and seasonal slowdowns, many small business owners are staring down a credit crunch and wondering how to end the year in control instead of chaos. How do you protect liquidity, keep your financials clean, and still find breathing room when access to capital shrinks?

In this bonus episode of Grit and Growth Business, Ralph Estep Jr. shares five smart money moves every small business owner can use to beat the credit crunch and finish 2025 strong. He unpacks lessons from decades in accounting and banking—how to build liquidity before you need it, strengthen your financial profile with clean books, and use lines of credit as a tool, not a trap. Ralph also walks through his 1% savings rule, a year-end success checklist, and real stories from clients who learned the hard way about growth, debt, and stewardship. Watch to learn how clarity, discipline, and small consistent actions can turn financial pressure into long-term control.

Read today's blog article:
https://www.gritandgrowthbusiness.com/blog/navigating-tough-business/
https://gritandgrowthbusiness.com/finish-the-year-strong

Podcast Timestamps
[00:00] Welcome to Grit and Growth Live
[00:39] Pressing Issue of the Week: The Credit Crunch
[02:16] Smart Money Moves to Combat the Credit Crunch
[05:03] Listener Questions: Building a Reserve Fund
[08:42] Listener Questions: Using a Line of Credit Wisely
[17:40] Listener Questions: Handling Negative Reviews
[27:47] Addressing Financial Fears
[29:46] Simple Financial Tracking Tips
[31:56] Tools and Methods for Financial Management
[32:36] Hiring Help for Financial Clarity
[33:39] Interactive Q&A Session
[35:30] Year-End Financial Planning
[40:48] Scaling Your Business Wisely
[47:33] Weekly Show Highlights and Closing Remarks

Download your free Action Plan Sheet for this episode:
https://www.gritandgrowthbusiness.com/action

Schedule an Appointment with Saggio Management Group, Inc.
https://app.acuityscheduling.com/schedule/fabfb9f2/appointment/8258839/calendar/2141336?appointmentTypeIds[]=8258839

The Ask Ralph Media Podcast has been honored as the Best Christian Finance Podcast in the U.S. for 2025 by Best of Best Review. This prestigious award recognizes the show’s unwavering commitment to blending biblical wisdom with practical financial guidance, empowering listeners to make wise money decisions rooted in faith. Through its concise, impactful 10–12 minute episodes, the Ask Ralph Podcast has inspired and equipped audiences nationwide, standing out among countless voices in the finance and faith space.
https://bestofbestreview.com/awards/ask-ralph-media-inc-best-christian-finance-podcast-in-the-u-s-of-2025