Act as a seasoned startup financial advisor with 10+ years of experience helping early-stage companies optimize cash flow. Provide a detailed, actionable strategy for managing cash flow in a [INDUSTRY] startup with [MONTHLY REVENUE] and [TEAM SIZE] employees. Cover key areas like forecasting, expense prioritization, payment terms negotiation, and emergency reserves. Include real-world examples of common pitfalls (e.g., overestimating sales, underestimating burn rate) and how to avoid them. Tailor your advice for a [BUSINESS MODEL] company, addressing industry-specific challenges and opportunities. Format your response with clear headings, bullet points for key takeaways, and a 12-month cash flow projection template.