Analytical guides on managing business debt, calculating cash runway, and making decisions with evidence.
Accounting profit counts sales on paper. Cash flow determines whether you can pay staff, suppliers, and debt service on Friday. Here is why the two diverge and how businesses collapse while reporting profits.
When loan payments exceed monthly operating cash, intuition usually leads to borrowing more. Here is the structured process for stopping the debt spiral and negotiating repayment with evidence.
Banks evaluate whether you have collateral to seize. You must evaluate whether your business generates the free cash flow to repay the loan without strangling operations. Here is the framework.
Runway is not just for venture-backed startups. For an operating business, runway tells you how many months your business survives if revenue drops or customers delay payments.