---
title: Countabl Notes (2)
description: Notes on cash, forecasting, and financial decision-making for founder-led and owner-operated companies. Written by the team that runs the numbers. (2)
image: https://www.countabl.io/hubfs/og-image.png
---

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Notes

# Financial thinking, *written down.*

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

[All](https://www.countabl.io/notes) [Decision-Making](https://www.countabl.io/notes/tag/decision-making)[Cash & Runway](https://www.countabl.io/notes/tag/cash-runway)[Operations](https://www.countabl.io/notes/tag/operations)[Raising & Borrowing](https://www.countabl.io/notes/tag/raising-borrowing)[Forecasting](https://www.countabl.io/notes/tag/forecasting)[Hiring & Growth](https://www.countabl.io/notes/tag/hiring-growth)[Partners](https://www.countabl.io/notes/tag/partners)

[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](https://www.countabl.io/notes/sba-loan-financial-projections) [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](https://www.countabl.io/notes/what-lenders-and-investors-look-at) [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](https://www.countabl.io/notes/how-to-read-a-cash-flow-statement) [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](https://www.countabl.io/notes/can-you-afford-this-hire) [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](https://www.countabl.io/notes/your-pnl-is-not-your-business) [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](https://www.countabl.io/notes/unit-economics) [Cash & Runway Revenue isn’t cash: how to get paid faster Revenue on paper is not cash in the bank. DSO measures part of the gap — and misses the days before you invoice, which is usually the cheaper half to fix. July 7, 2026](https://www.countabl.io/notes/ar-is-not-revenue) [Operations Why your month-end close takes so long Waiting three weeks for numbers you can't act on is common, while the accounting benchmark says eight days. Why both are true, and how to get the close to the 15th. July 1, 2026](https://www.countabl.io/notes/month-end-close) [Cash & Runway Burn rate: the cash number your P&L can't give you What to track if you run a venture-backed startup or an owner-run business, what each number reveals, and how to tell a timing problem from a model problem. June 26, 2026](https://www.countabl.io/notes/burn-rate) [Cash & Runway How to calculate your real runway Calculate startup runway around your hiring plan, cash burn, next funding milestone and time to raise. Includes a free Long-Range Forecast model. June 24, 2026](https://www.countabl.io/notes/real-runway)

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Free tools [Calculators](https://www.countabl.io/tools) [Know Your Numbers](https://www.countabl.io/tools/know-your-numbers) [Finance team cost](https://www.countabl.io/tools/finance-team-cost) [Finance glossary](https://www.countabl.io/tools/glossary)

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Countabl provides financial operations and advisory services, including sales-and-use tax compliance. We are not a CPA firm: we do not prepare income tax returns and do not provide tax planning, audit, or attest services.

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