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1. AccountsWhat Should A Bank Reconciliation Explain?Cash Received Or Revenue Earned?Is My Business Really Making A Profit?Why Does The Profit Shown In My Accounts Keep Changing?
2. CostingWhy Are Sales Increasing But Profit Is Not Improving?How Much Must I Sell To Cover All My Costs?Which Products, Services Or Customers Are Profitable?Am I Charging The Right Price?Can I Afford To Give This Discount?
3. Cash FlowWhy Is There Not Enough Cash Despite Making A Profit?How Much Cash Will I Need Over The Next Three Months?How Much Cash Should The Business Keep As A Reserve?What Should I Do When A Cash Shortage Is Expected?
4. BudgetingNEWHow Do I Prepare A Simple Business Budget?
5. Working CapitalWhich Customers Owe Me Money?How Much Cash Is Tied Up In Stock?
6. ControlsWhich Supplier Payments Are Due Soon?
7. Financial HealthWhat Reports Should I Review Every Month?
SME Finance InsightsBrowse All SME Finance Insights
1. Profit & PricingCan The Business Sustain This New Monthly Cost?How Should You Judge This Month’s Result?Is Your Biggest Customer Your Most Profitable?Sales Increased. What Happened To The Margin?Which Jobs Actually Make Money?
2. Cash & Working CapitalWhy Hasn’t The Customer Paid?Where Is Your Cash Tied Up In Inventory?Can Today’s Bank Balance Cover Next Month’s Commitments?Can Higher Sales Put Pressure On Cash Flow?Why Can A Profitable Business Run Short Of Cash?
3. Reports & DecisionsCash Received—Or Revenue Earned?Where Does The Loan Instalment Go?Can You Trust The Monthly Profit Figure?How Do Financial Reports Lead To Action?How Does A Sale Become A Management Decision?Five Questions To Ask About Your Monthly Financial Reports
4. Controls & Business RisksNEWWhat Should A Bank Reconciliation Explain?Who Controls Each Step Of The Payment?Who Approves, Pays And Checks?
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SME Finance Insights

One Issue. One Insight. One Practical Next Step.

Short observations drawn from everyday SME finance decisions. For complete explanations, examples and checklists, continue to the related Practical Guide.

SME Finance Insights

Profit & Pricing

Margins, customers, jobs and commercial decisions.

Can The Business Sustain This New Monthly Cost?

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How Should You Judge This Month’s Result?

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Is Your Biggest Customer Your Most Profitable?

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Sales Increased. What Happened To The Margin?

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Which Jobs Actually Make Money?

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SME Finance Insights

Cash & Working Capital

Collections, stock, commitments and funding pressure.

Why Hasn’t The Customer Paid?

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Where Is Your Cash Tied Up In Inventory?

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Can Today’s Bank Balance Cover Next Month’s Commitments?

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Can Higher Sales Put Pressure On Cash Flow?

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Why Can A Profitable Business Run Short Of Cash?

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SME Finance Insights

Reports & Decisions

Turn accounting information into management action.

Cash Received—Or Revenue Earned?

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Where Does The Loan Instalment Go?

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Can You Trust The Monthly Profit Figure?

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How Do Financial Reports Lead To Action?

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How Does A Sale Become A Management Decision?

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Five Questions To Ask About Your Monthly Financial Reports

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SME Finance Insights

Controls & Business Risks

Protect payments, responsibilities and review processes.

Latest insight

What Should A Bank Reconciliation Explain?

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Who Controls Each Step Of The Payment?

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Who Approves, Pays And Checks?

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