Last, a simple trick to smooth out some of those cash-flow bumps in the entrepreneurial road is to use your credit card to stretch out payment cycles. For example, if you have a bill that is due in 30 days, pay your supplier or vendor with a credit card on the very last day of that cycle.
"This will give you an additional 30 days to pay that bill," Roth says. "If you need a little bit of breathing room -- and you are waiting for cash -- this will buy you time."
Just make sure you pay the credit card in full at the end of that cycle.