Most owners treat cash like a scoreboard. They glance at the bank balance. If it’s up, they relax. If it’s down, they tense up. Then they return to running their business. The problem is that cash is not a scoreboard. It’s a system. And when that system is missing, the business can feel reactive even …
At Verbeck Associates, we work with small and mid-sized businesses all the time—most with lean finance teams and owners wearing multiple hats. Sometimes, we need to think like a turnaround. Mission-critical survival. When cash is tight or operational chaos hits, we may have to make hard calls—cut off a leg to save the body. I’ve …
From Surviving to Scaling: Profit Levers for Growing SMBs Read More »
I love the Steve Jobs quote, “Focus and simplicity… Simple can be harder than complex: You have to work hard to get your thinking clean to make it simple. But it’s worth it in the end because once you get there, you can move mountains.” And coming from a military family, I also like the “slow is …
Simplify to Amplify – The Power of Process Discipline Read More »
I’ve been using financial ratios for years, and they’ve never failed me. I remember when I was leaving KPMG and pitched my value to a few companies. I had developed a forecast model on Excel that worked beautifully. I took the target company’s financials and highlighted the primary cash flow ratios (DSO, DIO, and DPO). …
The Value of Ratios: How Smart Financial Metrics Drive Business Performance Read More »