Serperateing Your Money From Profits

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This has to be the biggest thing that would make my job much easier if i knew how to do this better, we work with 50 different compaines printing apparel and we pay them ever 2 weeks or montly, I would like to get some suggestions on how to seperte there money in my bank account from / My personal Money ( Profits )
its quite hard to when majority of the people use credit cards and money isnt in the bank till 3 days after purchase, about time the money is in the bank its almost spent because we have to get apparel ship etc . any sugestions ?