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 of credit and drops the balance the day it arrives. Expenses draw back off it 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 makes the interest question harder at tax time. And if you have an LLC or a corporation, it chips away at the legal separation you set the company up to get. Your CPA will tell you the same thing with more force.

Now the tax question. Business interest and personal interest follow different rules. Interest on a personal line of credit you used for business sits in a gray area, and it turns on whether you can trace where the money went. 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.

One more thing owners should know. Lenders approve business lines on revenue and time in business. And they review them on a schedule, often once a year. 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 your line of credit, 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.