Most founders build their first cap table in a rush — usually right before an investor asks to see one — and end up with a spreadsheet that’s technically right today but breaks the moment a new hire gets an…
A business can be profitable on paper and still run out of cash to pay its bills — that’s the gap working capital measures. It’s not about whether you’re making money over the year; it’s about whether you have enough…
Every loan payment is really two payments hiding inside one number — part of it pays down what you actually borrowed, and part of it pays the lender for lending it to you. A loan amortization schedule is what separates…
A burn rate calculator answers a question most small business owners never actually run the numbers on: how many months of cash runway do you have left at your current rate of spending? A business can be profitable on paper…
Most small business owners build a budget once, glance at it a few times, and then run the actual business from their bank balance. A real financial model does something a budget can’t: it links your revenue, your costs, your…
A profit and loss statement tells you whether you made money last month. A balance sheet tells you something different and, in a lot of ways, more important: what your business actually owns, what it owes, and what’s genuinely yours…
“What’s my business worth?” comes up for a lot of reasons — a potential sale, bringing on a partner, a divorce or estate matter, or just wanting a real number instead of a guess. There’s no single official answer, but…
“Am I making money?” is the wrong first question for a lot of small businesses — the right one is “how much do I need to sell before I even start?” That number is your break-even point, and most owners…
Most small business owners have seen a profit and loss statement. Their bookkeeper sends one every month, their accounting software generates one automatically, and at some point they’ve scrolled to the bottom number and felt either relieved or worried. Far…
Bookkeeper, accountant, or CFO — what each one actually does, the signs you need each, and what they cost. Includes a free Readiness Scorecard + Cost Calculator.