If you are managing a business, you might wonder how would I maintain the perfect cash flow. Are people paying off too much of their debt is a good thing? Or asking people to pay money when they don't have any? Both of them may negatively impact your business. Keeping a right amount of credit with your customer may be a good thing after all. It will empower them to run their business without worrying you about paying right back as soon as they purchase from you. But after all, you need to get your money back. But when to ask for the payment is the right question.