A 90-day cash flow buffer could be the difference between your business thriving or collapsing when you're hit with unexpected challenges. If those possibilities make you nervous, you're probably missing an important safety net — a 90-day cash flow buffer. How a 90-day buffer helps your businessA 90-day cash flow buffer isn't just about surviving hard times — it's about giving yourself the ability to grow with confidence. Related: 7 Easy Ways To Manage Cash Flow Surprises In Your BusinessThe risk of a smaller bufferOperating with just 30 days of cash flow may seem like enough until something goes wrong. Related: 5 Money Habits That Separate Successful Entrepreneurs From Struggling OnesBuilding and maintaining a 90-day cash flow buffer takes time, but it's one of the best financial moves you can make.