Guides
Guides for owners who want sharper numbers
Practical, plain-English guides on cutting costs, raising margins and getting your books ready for a lender, investor or buyer.
How much can a trucking company borrow?
How lenders size truck loans on your earnings, why the loan term changes the amount, down payments, truck values and what factoring really costs.
BorrowingHow much can a restaurant borrow, and from whom?
How lenders size your loan on thin margins, who lends to restaurants, and what leases, equipment and cash advances do to the number.
BorrowingHow much can an HVAC or plumbing business borrow?
How lenders size your loan: coverage on your earnings, slow months, vans and lines of credit, with worked examples.
BorrowingHow much can a construction company borrow?
The three limits lenders apply: coverage on your earnings, equipment value and eligible receivables, with a worked example.
Cutting costsHow to find wasted spending in QuickBooks®
Six checks you can run in an afternoon: vendor rankings, price creep, idle subscriptions, duplicates, uncoded spend and payment timing.
ProfitabilityWhat's a good profit margin for a small business?
How to calculate gross and net margin, where to find real benchmarks for your industry, and how to raise yours.
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