Creating a cash flow budget and a workable plan to cover cash flow gaps are essential for the small business owner. Maintaining a positive cash flow is the number one challenge your small business faces. A healthy cash flow is an essential part of any successful business. Some business people claim that a healthy cash flow is even more important than your business’s ability to deliver its goods or services! That may be placing a bit too much importance on your cash flow. If you are struggling to stay on top of your balance sheets, the following roundup of five free cash flow management tools might be just what you need.