How much should I keep in my business checking account?

Rob Pursell for Bluevine

How much should I keep in my business checking account?

Running out of cash is a nightmare for small businesses, and it presents a real threat. Even profitable companies can find themselves in trouble with cash flow management when they don't have enough liquid funds to cover unexpected expenses or capitalize on sudden opportunities.

This leaves many business owners asking, “How much money should I keep in my business checking account?”

It’s not always a straightforward answer. Often, the ideal amount depends on several factors, including your industry and business type, operating expenses, plans for growth, and cash flow projections. You may also decide to maintain more or less in your checking account based on interest rates, business needs, and economic tr