Getting your small business financially fit is a continuous goal. Here are our favorite articles of the week to help you make the most of your small business’ money.

Money on the Mind: Small Biz Financial Stories of the Week

1. Want to know how to manage a credit line and cash flow? Dawn Fotopulos gives expert advice to small businesses about their credit and receivables. For example, “use the credit line like an investment, not an expense.” She urges businesses to not use credit to make up for slow paying customers. Instead, better manage your receivables!

2. There’s an app for that! Our friend Ramir Rodriguez lets appraisers (and any small business owner) know which apps they can download straight to their smartphone to help manage their finances. “Tax season is here and now is the time to prepare and be organized. To eliminate all the paper clutter, file folders, and shoeboxes full of receipts, check out the apps called Expensify and Shoeboxed.”

3. Looking to take out a small business loan? Business Money Today will help you prepare for what could be a tough lending year. If you want to take out a loan in 2013, follow their advice. Our favorite bit of wisdom? “Banks don’t review loan applications and look for reasons to make the loan. What they do is review your application for reasons to NOT make the loan.”

4. Are you in the construction industry? If so, our friends over at Zlien offer excellent advice on how to manage your accounts receivables as a construction industry controller. They provide all-star advice on managing your invoices from the beginning to the end. Have an aging invoice? Zlien suggests knowing your options such as “filing a mechanics lien or bond claim, having the invoice factored, putting the receivable on the auction block through a company like Receivables Exchange, sending an attorney demand letter, or submitting the account to collections.”