Harvard Business

SEPTEMBER 16, 2014

And limited credit is in part caused by the difficulty of predicting which small businesses will and won’t succeed. In the past, a community bank would have a relationship with the businesses on Main Street, and when it came time for a loan, there would be a wealth of informal information to augment the loan application.

Small Business 71

Small Business Data Cash Flow Banking 71

Asamby Consulting

JANUARY 4, 2023

Running a small business? Here are our small business trends for 2023. Cash flow, cash flow, cash flow The economic climate is still unstable. Energy cost is a heavy burden for many businesses. Read in this blog posts what's going to be important in 2023.

Small Business 52

Small Business Cash Flow Trends Turnaround 52

Consulting Matters

FEBRUARY 23, 2023

She has founded and built six businesses of her own and has sold five of those businesses and therefore has personally experienced all the struggles, frustrations, pitfalls and mistakes many small business owners make when they are growing their companies.

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Cash Flow Small Business Consulting Video 156

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

Harvard Business

APRIL 26, 2017

Lending to small and medium-sized businesses is ready to move online. Small businesses are starting to demand banking services that have engaging web and mobile user experiences, on par with the technologies they use in their personal lives. The problem is that about 60% of small businesses want loans below $100,000.

Banking 133

Banking Small Business Oliver Wyman Retail 133

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

Seth Godin Blog

DECEMBER 2, 2022

Every small business needs a bookkeeper, but few take appropriate advantage of accounting. It can help us understand our cash flows. It can help us understand our cash flows. In any given moment, we know very little about a business. Accounting is a way to turn organized books into insight.

Small Business 37

Small Business Cash Flow System Data 37

Martinka Consulting

MARCH 30, 2020

If cash is tight, let them know, work out payment plans, and above all, don’t be silent about it. Work with your bank , especially if you have a term loan and cash flow issues. If business is slow, do those administrative things you’ve put off. Communicate with your suppliers. Take care of personal things.

Small Business 40

Small Business Balance Sheet Cash Flow Banking 40

Consulting and Organizational Management

OCTOBER 26, 2011

Quick Tips for Consulting to Small Organizations By Carter McNamara on 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.

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Consulting Organizational Development Nonprofit Small Business 76

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.

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Consulting Insurance Insurance Cash Flow 150

Harvard Business

SEPTEMBER 14, 2017

Research shows that abnormal weather disrupts the operating and financial performance of 70% of businesses worldwide. When weather conditions are on average adverse over days, weeks, or entire seasons, shortfalls in sales cause reduced cash flows and can lead to financial distress and business failure. alone, or 3.5%

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Cash Flow Apparel Financial Small Business 71

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

Tom Spencer

OCTOBER 15, 2021

As an experienced business consultant, Arnold Rogers has advised businesses across many industries in areas of lead generation, customer experience, service development, and small business cash flow and financial management. Image: Unsplash.

Sports 78

Sports Wireless Cash Flow Tools 78

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

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. No legitimate business appraiser would ever do a valuation without including compensation for the work the owner does. Rarely is anything straightforward.

Marketing 40

Marketing Cash Flow Insurance Insurance 40

Tom Spencer

AUGUST 12, 2017

When you run your own small business, it can be difficult to keep an objective distance from what you do. You have your big one-year and … Continue reading "What a Business Financial Statement Can Tell You About the Health of Your Business".

Financial 60

Financial Small Business Sales Cash Flow 60

Martinka Consulting

MARCH 7, 2015

The same is true with small businesses when it comes time to sell. I’m seeing more and more owners of small businesses ($3-10 million or so in sales) thinking their company is going to be priced the same as a $50-100 million firm. or less) have said to me: I heard my business is worth 5-7X EBITDA.

Small Business 40

Small Business Cash Flow Banking Sales 40

Martinka Consulting

OCTOBER 23, 2019

And then we get to my world of small business where it’s usually not malicious but is accounting incompetence. On August 26, 2019 the WSJ had an article about how CEO pay is often much higher than disclosed (due to stock appreciation and clauses that escalate compensation).

Financial 40

Financial Cash Flow Real Estate Metrics 40

Martinka Consulting

FEBRUARY 5, 2020

Dependencies are a huge issue in most small businesses. And an owner dependency is often the brightest red flag for most profitable small businesses. That won’t happen; there’s more risk in smaller businesses than larger, so the desired return on investment is higher. Dependencies reduced.

Cash Flow 40

Cash Flow Small Business Sports Talent 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

JUNE 3, 2017

Fast Company recently had an article titled, “ Forget Startups Just Buy a Small Business from a Retiring Entrepreneur.” Entrepreneurism isn’t for everybody and if it is for you, and especially if you don’t have an idea for the next greatest thing (or don’t want to put in 80 hour plus weeks), consider buying a business.

Cash Flow 40

Cash Flow Small Business System Finance 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

Harvard Business

MARCH 31, 2017

Even if you don’t need to know a lot about finance to do your day-to-day job, the more conversant you are on the subject, the better off you’ll be, according to Richard Ruback, a professor at Harvard Business School and the coauthor of the HBR Guide to Buying a Small Business.

Finance 70

Finance Balance Sheet How To Metrics 70

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. Ten percent buyer down payment (minimum), which frees up cash to grow the business.

Marketing 40

Marketing PricewaterhouseCoopers Cash Flow Banking 40

Martinka Consulting

NOVEMBER 4, 2014

For PE firms, cash flow, EBITDA, and low cap ex are very important.” ” Let’s translate the above for small business and our personal lives. Cash flow – one of my rules for both business buyers and sellers is, “Cash (and cash flow) is King.”

Cash Flow 40

Cash Flow Small Business Software Banking 40

Harvard Business

MAY 1, 2017

The administration’s recent announcement is also good news because it appears to be turning away from the more radical business tax reform envisaged in the Brady-Ryan plan. As such, it falls prey to the ridiculous rhetoric that excessively valorizes “small businesses” and equates small businesses with pass-throughs.

Cash Flow 72

Cash Flow System Small Business Financial 72

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

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.” Anticipated capital expenditures” is the key phrase. Meaning, when there’s money in the bank we’re doing fine.

Real Estate 40

Real Estate Cash Flow Banking Resumes 40