Start with one reliable boundary
Use the business account for business receipts and payments. Pay yourself through a recorded transfer rather than treating the account as a second personal wallet. The aim is a record another person can follow without needing you to explain every line.
Reconcile what happened
Compare the bank statement, invoices and expense records regularly. Record transfers, drawings and reimbursements clearly. A separate bank account is useful only when the records explain what passed through it.
Turn the record into a decision
Review sales, direct costs, operating expenses and cash together. A profitable sale can still create a cash shortage when customers pay after suppliers need their money. Use the funding readiness scorecard to identify the next evidence gap.
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