Lots of money but always broke

Dear FSB: My sister is a photographer's representative and my brother-in-law is an architect. Both run their own businesses. While they have numerous clients and generate billings, they can't manage their money because of late payments. They have to turn to family to borrow. Are there any cash-flow tools or contract templates with fee structures that could help?

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[Source: Financial news of the day - CNNMoney.com]