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Business

Manage Cash Flow and Loans for Small Businesses

A free, self-paced course that helps household businesses master their cash flow and borrow wisely — with AI watching the numbers and people making the final call.

12 modules · EN / ES / VI
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Manage Cash Flow and Loans for Small Businesses
This course helps household businesses, market sellers and micro-shop owners take control of their cash flow and borrow wisely, so they never fall into a debt trap. Across 12 short lessons anchored to 10 classic finance books — Never Run Out of Cash by Philip Campbell, Profit First by Mike Michalowicz, Simple Numbers Straight Talk Big Profits by Greg Crabtree, Financial Intelligence for Entrepreneurs by Karen Berman and Joe Knight, The Psychology of Money by Morgan Housel, Cashflow Quadrant by Robert Kiyosaki, Accounting Made Simple by Mike Piper, The Richest Man in Babylon by George S. Clason, Your Money or Your Life by Vicki Robin and Joe Dominguez, and Small Time Operator by Bernard Kamoroff — you will learn why cash differs from profit, build a simple cash flow sheet, forecast money in and out, separate funds, manage receivables and payables, decide when to borrow, compare funding sources, avoid debt traps and loan sharks, prepare a credible loan file, use AI to track and alert your cash, plan a reserve fund, and finish a personalized cash flow dashboard. AI watches the numbers and warns you early, but you keep the discipline and make every final decision — the judgment AI cannot replace. Built on VietRica's three mission pillars — people at the center, mastering AI, and no one left behind — the course is free, in plain language, with local Vietnamese examples so no small owner is left behind. Note: for legal and loan specifics, consult a financial professional.

Curriculum

What you will learn

  1. 01

    Cash Flow Is the Lifeblood of Business

    Understand why paper profit can still run out of cash.

    Public (anyone, no login)
  2. 02

    Build a Simple Cash Flow Sheet

    Set up a money-in, money-out sheet and update it every week.

    Public (anyone, no login)
  3. 03

    Forecast Money In and Money Out

    Project next month's cash so big expenses never catch you off guard.

    Public (anyone, no login)
  4. 04

    Separate Funds and Prioritize Spending

    Split income into funds so essentials and profit are always covered.

    Public (anyone, no login)
  5. 05

    Manage Receivables and Payables

    Track what customers owe and what you owe, and collect on time.

    Public (anyone, no login)
  6. 06

    When to Borrow Capital

    Tell the difference between borrowing to grow and borrowing out of a squeeze.

    Public (anyone, no login)
  7. 07

    Sources of Capital and Interest Rates

    Compare funding sources and understand a loan's true cost.

    Public (anyone, no login)
  8. 08

    Avoid Debt Traps and Loan Sharks

    Spot the signs of dangerous loans and shield yourself from crushing rates.

    Public (anyone, no login)
  9. 09

    Build a Credible Loan Application

    Prepare a clear file and show a lender you can repay.

    Public (anyone, no login)
  10. 10

    Use AI to Track and Alert Your Cash Flow

    Set up automatic tracking and get early warnings before cash runs low.

    Public (anyone, no login)
  11. 11

    Risk Contingency Planning

    Build a reserve fund to survive slow months and sudden shocks.

    Public (anyone, no login)
  12. 12

    Your Personalized Cash Flow Dashboard

    Finish your own cash flow sheet and build the habit of reading your numbers.

    Public (anyone, no login)

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