Thinking that precedesthe engagement.
Executive briefs on strategic finance, governance, working capital and capital readiness — written for promoters, boards and finance leaders of growth-stage enterprises.
Working Capital: The Growth Capital Hiding on Your Own Balance Sheet
In mid-market manufacturing, the cheapest source of expansion funding is usually trapped in receivables and inventory. The cycle, not the credit limit, is the first item to examine.
The Cross-Subsidy Hiding in Your Product Mix
Aggregate margin is an average, and averages are where loss-makers hide. Most multi-product businesses are quietly taxing their best products to fund their worst.
Governance: From Obligation to Advantage
Most businesses treat governance as a cost of compliance. The ones that institutionalise early discover it is read — by lenders, investors and acquirers — as evidence of management quality.
Thirteen Weeks: The Cash Discipline That Changes Behaviour
A rolling thirteen-week cash forecast is the shortest path from cash anxiety to cash control — not because of the model, but because of the meeting it forces.
The Twenty-Four Month Reality of Capital Readiness
Institutional diligence examines history, not intention. The binding constraint on capital readiness is not effort — it is seasoning, and seasoning accrues only in calendar time.
Succession Transfers Decision Rights Before It Transfers Shares
Most succession planning is legal architecture around an unexamined question: how does judgement actually move from one generation to the next?
The ERP Did Not Fail. The Operating Model Did.
When an ERP disappoints, the instinct is to blame the software or the implementer. The system usually did exactly what it was configured to do — automate an operating model that was never designed.
Hire the Finance Function Before You Hire the CFO
Mid-market businesses routinely hire a CFO to fix a finance function that does not exist — and then conclude that CFOs do not work. The sequence, not the individual, is the problem.
What Your Banker Reads Before Reading Your Application
Credit decisions are shaped less by the proposal on the table than by the reporting history behind it. A business teaches its lenders what to believe, one submission at a time.