If you own the business, you've got a version of this strategy available that W-2 households don't. Revenue arrives in chunks, expenses go out steadily, and a line of credit smooths the gap between them better than a checking account balance ever will.

The mechanics are the same as paycheck parking. Revenue lands against the line and drops the balance the day it arrives. Expenses draw back off the line as they come due. Because interest is calculated on the average daily balance, every day a deposit sits there before it gets spent is a day you're not paying interest on that amount. On a business with real revenue running through it, that's not a rounding error.

Keep the entities separate, though. Use a business line of credit for business cash flow and a personal line for personal cash flow, and don't cross them. Mixing them muddies your books, it complicates the interest question at tax time, and if you've got an LLC or a corporation it's the kind of thing that undermines the liability separation you set the entity up for. Your CPA will tell you the same thing with more force.

On interest deductibility, business interest and personal interest follow different rules, and interest on a personal HELOC used for business purposes lands in a gray area that depends on tracing the funds. I'm a licensed insurance broker rather than a CPA, so that's a question for your tax preparer before you set it up, not after.

The other piece owners should know: lenders underwrite business lines on revenue and time in business, and they review them periodically, often annually. A line that's fully drawn at review time is a line that can get reduced. Keep real headroom on it, the same rule as never max the line, and keep it more conservative than you would personally because the review is more frequent.

If the revenue itself is the unpredictable part, start with paycheck parking when your paycheck isn't steady and layer the business piece on once the personal side is running clean.