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Financial thinking, written down.

Notes on cash, forecasting, and the decisions owners actually have to make — from the people who build the models.

All Decision-MakingCash & RunwayOperationsRaising & BorrowingForecastingHiring & Growth
Decision-Making
Latest
When do you need a controller?
The signals that you've outgrown bookkeeping, what a controller actually changes, and why most owners reach this point about a year later than they should.
August 18, 2026 · 3 min read · Taylor White
Decision-Making
What a fractional CFO actually does, and when you need one
Most owners hire a bookkeeper when they need a strategist. What each role does, what it costs, and how to tell which one you need.
August 13, 2026 · 3 min read
Operations
Bookkeeping for professional services firms
Standard bookkeeping is organised around the tax return. For an agency that hides what matters: which work earns, and what each team costs.
August 11, 2026 · 3 min read
Forecasting
How to build a budget that doesn't lie to you
Most company budgets are aspirational fiction. How to build one anchored to operating drivers, so it guides a decision instead of decorating a folder.
August 5, 2026 · 3 min read
Raising & Borrowing
Financial projections for an SBA loan: what lenders actually want
What an SBA lender expects in your projections, how debt service coverage is calculated, and the assumptions that get applications sent back.
July 30, 2026 · 3 min read
Raising & Borrowing
What lenders and investors actually look at
The data room is open, or the loan application is in. What a lender or investor pulls apart first, and what to fix before they do.
July 29, 2026 · 3 min read
Operations
How to read a cash flow statement
A profitable company can still run out of cash. Why the cash flow statement matters more than the P&L, and how to read one in five minutes.
July 23, 2026 · 3 min read
Hiring & Growth
Can you actually afford this hire?
Every hire changes your cash position for eighteen months, not one. How to model the full cost — salary, taxes, tools, ramp — before the offer goes out.
July 20, 2026 · 4 min read
Decision-Making
Your P&L isn't your business. Here's what is.
The six numbers that actually drive owner decisions — and why none of them appear on a standard income statement.
July 14, 2026 · 3 min read
Decision-Making
Unit economics: the three numbers that tell you if you're actually making money
What each customer costs to win and serve, what they're worth, and how long before they pay you back. The three numbers behind every pricing decision.
July 8, 2026 · 3 min read
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