Dr. Paul Borosky, DBA, MBA
Business Consultant, Southwest Florida
Southwest Florida Business Consultant for Cash Flow and Funding
You can fix an AC unit in August or run a kitchen through the March rush. Keeping cash in the account through September is a different skill. Dr. Paul, Southwest Florida business consultant, helps you build it.
Southwest Florida runs on a season. Winter spending pays the bills, summer spending tests them, and one storm can erase both. Owners here are rarely short on work. They are short on cash at the wrong time of year, and the bank wants a plan before it helps.
Call or text (321) 948-9588. Dr. Paul answers personally.
Last Updated: 10/29/2026 · Written by Dr. Paul Borosky, DBA, MBA
The Seasonal Squeeze
Why Profitable Southwest Florida Businesses Run Out of Cash in August
Visitor spending in Lee County runs about 74 percent higher in the winter quarter than in the summer quarter. Your rent, payroll, and insurance do not drop 74 percent in July.
Source: Visit Fort Myers, 2025 Visitor Tracking Report, Lee County.
That is the whole problem in one line. A Fort Myers restaurant, a Naples landscaper, and a Sarasota boat shop can all post a profitable year and still bounce a payroll in September. Profit is counted over twelve months. Cash is counted every Friday. The gap between them is where Southwest Florida owners get hurt.
The fix is not working harder in the winter. It is a forecast that shows the summer gap in February, collections that bring the money in faster, deposits that put the customer’s cash to work before yours, and a credit line set up while the numbers look good, not after they turn. Ten questions below. Each one is a city and a cash problem.
Ready for Help?
Four Ways to Work With Dr. Paul
A quick cash forecast, a loan package, a part-time CFO, or the free basics. Choose what fits the size of the problem.
01 · Most Owners Start Here
Business Consulting
A thirteen-week cash forecast and a plan for the summer gap, built with Dr. Paul from your real numbers.
Consulting and prices →02
Business Plan Writing
The bank or the SBA wants a plan. Dr. Paul writes it with five-year financials and the loan schedule in seven days or less.
Plan writing and prices →03
Fractional CFO/COO
Cash tight every summer? Dr. Paul reads the numbers with you every month as your part-time CFO, so the gap never surprises you again.
Fractional CFO and COO →04
Small Business Education
Free guides on cash flow, budgeting, financial statements, and more, written in plain English for owners.
Free guides →From the Book
Sold Out and Still Broke
“Doc!” said Frankie, from the window, flour to the elbows. “You see this? Sold out Saturday. Sold out Sunday. Ran out of sauce at noon. Busiest weekend in the history of the forest. The paper said so.”
“Congratulations,” said Doctor Owl.
Dr. Paul’s take: The chapter asks one question: how can we sell out and still be broke? Every Southwest Florida owner who has had a record March and an empty account in August knows the answer is timing. Busy fills the sales report. Cash fills the bank account, on its own schedule. Dr. Paul’s work here starts with getting those two calendars to line up, through his Organize-Plan-Grow™ Strategy.
Ten Cities, Ten Cash Questions
Find the Cash Flow Question You Need Answered
Each page is written for one Southwest Florida city, with the season, the lenders, and the examples from that market.
Will Your Fort Myers Business Run Out of Cash?
A thirteen-week cash forecast that shows the shortage before it shows up in the bank account.
Cape Coral Customers Paying Late?
Late payers are using your money for free. How to get paid on time without losing the customer.
Should Your Naples Business Require Deposits?
Deposits fund the job with the customer’s cash, not yours. When to ask, how much, and how to say it.
Surviving the Off-Season in Sarasota
How much to set aside in the winter to carry the summer, with the math shown.
Applying for a Business Loan in Venice?
What the lender actually reads, what gets you declined, and how to put the package together right the first time.
How Much Money Does Your Bonita Springs Business Need?
Borrow too little and you come back hat in hand. Borrow too much and you pay for money you do not use.
SBA, Bank, or Investor for Your Punta Gorda Business?
Each kind of money comes with different rules. How to pick the one that fits the business and the purpose.
Pitching Investors in Estero?
What an investor wants to hear in the first five minutes, and the numbers that make them stay for the rest.
Can Your Port Charlotte Business Afford Another Loan?
Debt service coverage in plain English. How to know if the next payment fits before you sign.
Growing Fast and Broke in North Port?
Fast growth eats cash first and pays you later. How to fund the growth without running dry.
Learn the Money Side
Cash Flow, Collections, and Borrowing, Taught Through Stories
Dr. Paul’s Fabled Forest Business School Series · Book 2
Accounting and Finance for Small Businesses
Cash flow, the cash reserve, receivables, and borrowing each get their own chapter, told through one Fabled Forest owner at a time with the arithmetic shown. Written for the owner who is good at the work and tired of guessing about the money.
Get Book 2 on Amazon →FAQ
Cash Flow and Funding Questions From Southwest Florida
Why is my business profitable but always short on cash?
Which Southwest Florida cities does Dr. Paul serve?
Can Dr. Paul help me get a business loan?
How much cash should a seasonal business keep in reserve?
Find the August problem in February.
Dr. Paul Borosky, DBA, MBA
Business Consultant, Author & Educator | 14+ Years | 1,000+ Clients Served
Dr. Paul Borosky, DBA, MBA is a business consultant, author, and educator, and the founder of Quality Business Plan. He works with owners across Southwest Florida, the rest of Florida, and the country on business planning, financial modeling, fractional CFO services, and the everyday problems of businesses that depend too much on their owners. He is the creator of Dr. Paul’s Organize-Plan-Grow™ Strategy, author of numerous published books on Amazon including Dr. Paul’s Fabled Forest Business School Series, and publisher of over 1,000 business-focused videos on YouTube. He has taught as an adjunct college instructor and teaches in Florida public schools.
This page is for general educational purposes only. It is not legal, financial, tax, accounting, or other professional advice. Market figures are cited to their sources and change over time. The Fabled Forest and its characters are fictional. For decisions about your own business, consult a qualified professional.