Building an Emergency Fund for Your Business in Jerusalem
Every smart business—no matter how small—needs a safety net. That’s where an emergency fund comes in. Whether you’re managing a small business in Jerusalem or launching a new venture, having liquid, accessible funds for unexpected events is the difference between surviving and thriving.
What Is an Emergency Fund for Business?
An emergency fund is a financial cushion—money set aside to cover unexpected expenses such as:
A sudden drop in income
Equipment breakdown
Delayed payments from clients
Legal or tax issues
Economic downturns or local unrest
Why It Matters
In Jerusalem, where business conditions can be unpredictable, this buffer becomes even more essential. Having a business emergency fund:
Protects your cash flow
Helps you avoid debt
Gives peace of mind to focus on long-term goals
How Much Should You Save?
A general rule: 3–6 months of operating expenses. If your business is new or has inconsistent income, aim for the higher end.
Best Emergency Fund Options for Businesses in Jerusalem
| Option | Liquidity | Risk Level | Ideal For | Notes |
|---|---|---|---|---|
| קרן כספית (Keren Kaspit) | High (1 business day) | Low | Medium-sized funds | Offered by investment houses and banks, higher return potential |
| פיקדון קצר מועד (Short-Term Deposit) | Medium (7–90 days) | Very Low | Larger, less urgent funds | Guaranteed returns, less flexible |
| חיסכון × ×–×™×ś (Liquid Savings Account) | Very High | Very Low | Immediate/emergency access | Lower returns, very flexible |
| Split Strategy | High & Medium | Balanced | Diversified emergency planning | Mix of liquidity and returns |
How to Get Started
Open a separate account for your emergency fund
Set a target amount based on monthly fixed expenses
Automate monthly transfers to slowly build it up—set it and forget it!
Review every quarter to adjust based on business changes
Get expert support from Healthy Finances to tailor the best emergency strategy for your business in Jerusalem—smart, simple, and stress-free.
Final Thoughts
An emergency fund isn’t just for global crises—it’s your everyday shield against the unexpected. By using smart tools like קרן כספית or short-term deposits, you’re giving your business the stability it needs to grow confidently, even in uncertain times.
Want help building a custom cash flow or emergency fund plan for your business? Let’s talk.
Written by Jackline, Founder of Healthy Finances | Financial Operations Expert for Small Businesses in Israel and Beyond.