Harvard Business

APRIL 26, 2017

Banking for small and medium-sized enterprises (SMEs) has been astonishingly unaffected by the rise of the Internet. The marketing, underwriting, and servicing of SME loans have largely taken a backseat. Lending to small and medium-sized businesses is ready to move online.

Banking 133

Banking Small Business Oliver Wyman Retail 133

Asamby Consulting

DECEMBER 14, 2022

Your business is struggling and you seek outside help? But what does a consultant for small business cost? What is a consultant for small business A consultant for small business helps smaller organizations achieve their goals. A nice add-on is when the consultant has own experience in small business.

Small Business 52

Small Business Cash Flow Consulting ROI 52

Successful Independent Consulting

MAY 31, 2018

As an independent consultant, cash flow is erratic. I always had the cash I needed to make my quarterly tax payments, and at the end of the tax year I usually had about $25,000 to put into my SEP-IRA. (A A Simplified Employee Pension is a type of IRA for self-employed individuals or small business owners.

Consulting 150

Consulting Cash Flow Banking Knowledge Base 150

Asamby Consulting

NOVEMBER 4, 2022

Small Business Operations Consulting An investment makes sense only when you get more in return than you invested. This blog posts outlines what the ROI for hiring a small business operations consultant is. In that sense, SOPs might rather be an operational necessity than a cash-flow positive measure.

ROI 52

ROI Small Business Operations Consulting 52

Consulting and Organizational Management

OCTOBER 26, 2011

There’s a lot of money available to help small businesses, and it seems like there’ll be more available as we work to make more jobs. So OD in small businesses might be even more worthwhile. About half of our clients are small organizations. Marketing and Social Media. Crisis Management.

Consulting 76

Consulting Organizational Development Nonprofit Small Business 76

Martinka Consulting

MARCH 30, 2020

I won’t be disingenuous by marketing services when most of us are in survival mode so I will make all readers of this newsletter an offer: If you have questions about what to do, how to handle things, need a sounding board, or simply someone to vent with call me for free telephone counsel. Whatever your business is, be doing marketing.

Small Business 40

Small Business Balance Sheet Cash Flow Banking 40

Successful Independent Consulting

MAY 15, 2017

Investigate and obtain necessary business licenses and permits. The Small Business Administration is a good place to start. For example, a business license in New York City will cost more than in a small town in Idaho. Determine if you need business insurance or need to increase your personal coverage.

Consulting 150

Consulting Insurance Insurance Cash Flow 150

Martinka Consulting

JULY 2, 2015

In my world of small business buy-sell there are almost as many ways to inflate a business’s income as there are on Wall Street. The bottom line is someone has to run the company and whether it’s the owner or a hired gun they deserve to be paid a fair market salary for that work. Rarely is anything straightforward.

Marketing 40

Marketing Cash Flow Insurance Insurance 40

Tom Spencer

OCTOBER 15, 2021

Growth of the Live Sports Betting Market. As a result, the implementation of 5G is likely to lead to growth in the live sports betting market. He has experience in handling diverse industries, from fast-moving consumer goods to business-to-business hardware retailers. Implications of 5G for Online Sports Betting.

Sports 78

Sports Wireless Cash Flow Tools 78

Harvard Business

NOVEMBER 23, 2016

Small businesses and young businesses are especially vulnerable. Census Bureau shows that these businesses were more likely than the average business to close permanently after Hurricane Katrina, for example. Second, young businesses tend to grow faster than older ones, but also fail at greater rates.

Insurance 70

Insurance Insurance Small Business Finance 70

Martinka Consulting

SEPTEMBER 4, 2019

Because an acquisition spree got them to the size they are but also saddled them with massive amounts of debt And there’s a lesson here for small businesses and individuals. Many things can derail a business’s value (customer concentration, owner dependency, etc.) and there’s nothing wrong with manageable debt.

Cash Flow 40

Cash Flow Small Business Marketing Productivity 40

Martinka Consulting

APRIL 26, 2019

Record number of small business sales in 2018! More businesses sold after being advertised on bizbuysell.com than any other year, and 2017 was 25% higher than 2016. Our first question is: what is “small?” Pretty small. Axial – 66% of businesses with employees are owned by baby boomers (2015).

Marketing 40

Marketing PricewaterhouseCoopers Cash Flow Banking 40

Martinka Consulting

MARCH 7, 2015

The same is true with small businesses when it comes time to sell. I wrote last year about the pricing of middle-market companies and an article in the Zachary Scott newsletter titled “8 is the new 6″ (referring to multiples of EBITDA on middle-market deals). Conclusion.

Small Business 40

Small Business Cash Flow Banking Sales 40

Martinka Consulting

OCTOBER 27, 2017

It’s because there are a lot of assumptions in business valuations, which makes valuing a business an art as well as a science. In the Discounted Future Cash Flow method profits are projected (same as the first issue) and discounted back to a present value. An outsider may ask, how is this possible?

ROI 40

ROI Cash Flow Methodologies Small Business 40

Martinka Consulting

FEBRUARY 5, 2020

Good employees are hard to find and often are not in the job market. Great employees with industry knowledge and experience are in the job market even less. Dependencies are a huge issue in most small businesses. And an owner dependency is often the brightest red flag for most profitable small businesses.

Cash Flow 40

Cash Flow Small Business Sports Talent 40

Martinka Consulting

JUNE 18, 2021

EBITDA ‡ FCF – Sam’s comments about how you can’t calculate ROI based on EBITDA when it’s a capital expenditure type business sounds like one of my Myths of Business Valuation: Using EBITDA in a capital-intensive business will burn the buyer. You must use free cash flow to truly calculate ROI.

ROI 40

ROI Cash Flow Small Business Financial 40

Martinka Consulting

MAY 28, 2021

On April 5 the Wall Street Journal had a frontpage article titled, “ Small-Business Owners Feel Weight of Personal Debt Guarantees. While it wasn’t all about bank loans, a large portion of the article was about lease guarantees, as I’ve previously written personal guarantees are common with small-business bank loans. .

Banking 40

Banking Cash Flow Small Business Journal 40

Martinka Consulting

OCTOBER 7, 2020

Can inventory values be inflated, sure, but if the deal says the lower of cost or market the value can’t be more than the cost. Cash flow is, however, the tricky one. Small business accounting tends to make cash flow a moving target anyway and a lot of owners “manage by checkbook.” Conclusion.

Real Estate 40

Real Estate Cash Flow Banking Resumes 40