Cash flow


Ok so I have a question about cash flow. I started a coffee shop with my uncle 3 years ago. This past January I bought out my uncle. I have two different payments set up. He want a quarter of the amount up front and the rest we set up in monthly payments. So I pulled a loan for the quarter amount and set the payment for that to be paid back daily on 16% of my daily debt/credit card sales. It definitely pulls things tight but my bookkeeper is freaking out that the cash flow is to low and I need to get a credit card to put all my expenses on. I feel differently but am new to business and know nothing about the books end…any input would be awesome. And maybe this is something I should get coached on?