For example, it is not unusual for a company to be profitable and have negative cash flow – a situation most business owners at some time experienced and have no idea why.
The One Percent Solution will provide an overview of company cash flow and explain the seven levers that affect cash flow from operations and show how a small change in any one lever can have a large impact on company cash flow. Discussion includes using a financial scorecard and budget plan to help monitor and manage company cash flow.

Wednesday, April 29, 2026
9:00 AM to 11:00 AM
This program is hosted by:
• Paulding County Economic Development Inc.
• Paulding County Chamber of Commerce
• City of Dallas
• City of Hiram
• Paulding County Government
The program will be held at the Paulding County Chamber of Commerce, Downstairs Conference Room, 455 Jimmy Campbell Parkway; Dallas, GA 30132. For more information, contact Carole Arnold at [email protected].

Joe Zirkel is a Business Consultant at UGA SBDC, Kennesaw State University, with 25+ years of diverse small business expertise. His journey commenced as an auditor in New York, evolving into VP roles in operations, finance, and small business lending in Atlanta. A Certified Management Accountant (CMA), Joe holds an EMBA from Kennesaw State University and a BA in Accounting from Hofstra University. His multifaceted experience spans accounting, manufacturing, operations, and lending, enriching his capacity to guide businesses effectively. With a solid educational foundation and hands-on industry acumen, Joe excels in driving growth and profitability for small enterprises.
This program is funded through a cooperative agreement with the U.S. Small Business Administration and is supported by federal taxpayer funds. By registering, you certify that you are legally authorized to receive services funded by U.S. taxpayer dollars, in accordance with applicable federal law and regulations.
All programs are open to the public on a non-discriminatory basis. Reasonable accommodations for persons with disabilities will be made if requested at least two weeks in advance.
The UGA SBDC is funded through a cooperative agreement with the U.S. Small Business Administration.
All SBDC services are provided in a nondiscriminatory way to all legal residents and citizens in the United States. Reasonable accommodations for persons with disabilities will be made if requested at least two weeks in advance.
The UGA SBDC is an accredited member of America’s SBDC.
The University of Georgia
Small Business Development Center
382 East Broad Street
Athens, GA 30602-5412
P: (706) 542-2762