You sure it’s excess? By definition “excess” means there’s something more than needed and when you think about it, think hard when it comes to running a business, surely you can think of something that requires money. 

Okay, jokes aside now, I can see this situation happening. You’ve got enough money coming in to keep your suppliers happy and still do some needed investments and yet you seem to have cash balances increasing (not being stable or just “sufficing”, but more than that). There are a few possible solutions in a situation like this:

• Invest into something expensive you need for expanding or improving.
• Pay out dividends – if you’re the owner, just go for it! If not, suggest it.
• Pay bonuses to your employees – they will appreciate it.
• Invest it into funds or other forms of financial assets (definitely consult someone so you minimize the risk of loss of your money).

Problems with having too much money are actually there – if it’s in cash, obviously the physical security is in the key issue, however, if it’s on a bank account, its value is a bigger concern. The value of money does decrease over time – we get to buy less for the same amount in coming years because of something called “inflation”. However, to put fiscal lections aside, the key thing is to really have just enough money and not overly much. It’s keeping resources from making more resources!