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Cash flow management for merchants: Cash flow management is a critical aspect of financial planning for merchants. Effective cash flow management involves monitoring, analyzing, and optimizing the movement of funds in and out of the business. By maintaining a healthy cash flow, merchants can ensure they have sufficient funds to cover expenses, seize growth opportunities, and maintain financial stability. Cash flow management strategies may include budgeting, managing accounts receivable and payable, controlling inventory levels, and using financing solutions like working capital loans or lines of credit to address temporary cash flow shortages.