TD Day: Small Business Essentials (In-Person)

Strong sales aren’t enough. Learn seven foundations, from cash flow to financing, that keep your small business stable and growing. About this workshop: Strong sales don't guarantee a healthy business. Many owners discover this only when payroll arrives before customer payments do, or when an unexpected expense exposes a funding gap. In this workshop, a TD small business banking representative will walk owners through seven connected foundations: • legal structure, • banking, • payment collection, • contingency planning, • cash flow, • financing, • and a business plan that guides decisions. Participants will learn why sales and profit do not equal available cash, and how regular reviews, forecasts, and stress tests help them anticipate payroll pressures, collection delays, and funding shortfalls before they become emergencies. The session also explains how to match financing to a specific need and a credible repayment plan, so borrowing strengthens the business rather than adding risk. Throughout, the presenter draws on what banking relationships look like in practice, including the account structures, cash management tools, and lending conversations that support healthy growth. What you'll leave with The workshop closes with a practical 30-day action checklist covering how to strengthen business foundations, organize money, improve collections, protect core operations, and update forecasts and plans. Participants leave with a clear sequence of next steps and an invitation to follow up with their banking team on the areas most relevant to their business. Who should attend This session is perfect for small business owners, founders, and finance or operations leads at early-stage and established companies. No prior finance training is required. Participants are encouraged to bring a recent profit and loss statement and a current cash balance if they want to apply the stress-test exercises to their own numbers.