Useful journalism to understand, manage and grow a business.
Search
Before seeking funds, separate working capital needs from long-term investments. An appropriate combination depends on the cash calendar, repayment capacity, cost, and the effect of each option on the balance sheet and ownership.
Read story
The annual budget sets targets and allocates resources; the rolling forecast updates estimates as the business evolves. For many SMEs, the decision is not to choose one or the other, but to assign each method a clear role.
Read story
A useful spreadsheet shows how much cash is available, what receipts are expected, which payments are due, and when each movement will occur. This guide explains how to organize it, calculate projected balances, and review variances.
Read story
A practical guide for construction SMEs in Spain: how to build project-by-project treasury forecasts, manage the gap between payments and collections, and mitigate risks from delays or guarantee retentions.
Read story
A step-by-step review helps determine whether the company meets the requirements, can carry out the project, and has sufficient margin and cash flow to take on its risks.
Read story
The risk of non-payment depends both on the buyer’s creditworthiness and on the country’s conditions. Assessing each transaction individually helps compare payment terms, payment methods, cover and foreign-exchange exposure without assuming that one solution works for every market.
Read story
Sales, cash, and customers each tell a different part of the story. A 30-, 60-, and 90-day review framework helps identify early signals and decide what to adjust, without confusing activity with profitability or viability.
Read story
The minister asked the tax office to keep talking with small businesses but did not announce a reversal. The ATO plans to stop accepting credit cards from 1 December 2026, as ministers and business representatives disagree over the impact and alternatives.
Read story
A depreciation of the euro can make imported inputs more expensive and benefit some exports, but the effect depends on currencies, contracts, timing, and the ability to adjust prices. This guide offers a practical framework for identifying exposure and comparing scenarios without confusing them with a forecast.
Read story