Free learning for SME owners
Choose one question or problem and begin there. These resources use plain language, practical examples and simple next steps.
Turn realistic sales, cost and cash assumptions into a practical monthly plan that management can review and act upon.
Open the latest guide →Practical Guides library
Each published guide explains an issue, works through an example and suggests a practical next step.
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Begin with the question closest to the problem you are facing. More guides, examples and tools will be added under each area.
Understand whether sales are producing a worthwhile profit.
Is My Business Really Making A Profit? →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? →Know where cash is going and how much protection the business has.
Why Is There Not Enough Cash Despite Making A Profit? →Which Customers Owe Me Money? →How Much Cash Is Tied Up In Stock? →How Much Cash Should The Business Keep As A Reserve? →Keep customer, supplier, stock and spending decisions under control.
Which Supplier Payments Are Due Soon? →Use monthly accounts as a management tool, not just a compliance record.
What Should A Bank Reconciliation Explain? →Cash Received Or Revenue Earned? →What Reports Should I Review Every Month? →Why Does The Profit Shown In My Accounts Keep Changing? →Prepare for future sales, costs, cash requirements and business decisions.
How Do I Prepare A Simple Business Budget? →How Much Cash Will I Need Over The Next Three Months? →What Should I Do When A Cash Shortage Is Expected? →Recognise financial problems early enough to take corrective action.
Why Are Sales Increasing But Profit Is Not Improving? →Start here
Answer straightforward questions about profit, cash, working capital, reporting and controls. Use the result to decide which area to look at first.
Start the scorecard →Understand your cash
Learn how slow-moving stock affects cash and what inventory information an owner should review regularly.
Download the guide ↓Review your business
A structured checklist covering reporting, profitability, cash flow, receivables, controls and operations.
Download the checklist ↓See how financial findings can be organised into a clear dashboard, key issues and practical recommendations.
Download the sample report ↓New content will continue to be added around costing, pricing, cash flow, budgeting and monthly reporting.
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