Sergiy Shuldik

The government pays in 60 days, but payroll is monthly: surviving the cash gap

The work under the government contract is done, but payment lands in 60 days. Payroll and components can't wait. How to get through the gap without panic or loans.

Auto Service: Which Bay Actually Earns and Which One's Just Busy

The shop's fully booked, yet there's less money than you'd like. How to figure out which bay and which mechanic actually feed your auto service — and which just turns wrenches at a loss.

When an Outsourced CFO Is NOT Your Answer: 4 Honest Cases

We turn clients away. Here are four situations where hiring an outsourced financier is the wrong move — and what you actually need instead. Read before you spend on a CFO.

What "I want to get a handle on my finances" really means — and what's hiding beneath the surface

"I want to finally get a handle on my finances" — there's almost always something more specific behind that phrase. What it really means, and where to start if you actually want to figure it out.

The "side" business that bankrolls the entire holding. How a CFO uncovered it

The main business was treated as the breadwinner — but it was a small "side hustle" quietly generating all the profit. How a financial analyst figures out which part of a holding company is actually keeping the lights on. A real numbers breakdown.

We discovered that 60% of our orders were losing money — here's how our financial analyst uncovered it in just two weeks

Revenue was climbing, but cash kept disappearing. A financial analyst spent 2 weeks breaking down every single order — and discovered most of them were losing money. A deep dive into the numbers.

Before you launch a new business line — check these 12 numbers first

A new venture isn't killed by the competition — it's killed by the old business that couldn't carry it. 12 numbers to check before you launch — a data-driven checklist.

Sports club: three studios, three managers, one big mess

Three halls, three managers — and no clear answer on which one is actually profitable. How to get your finances under control across a multi-location business, and why you need a financial manager, not just an accountant.

You're shuffling money between projects and telling yourself everything's fine. Here's why your accountant never warns you.

Moving money between projects feels harmless enough — until one of them quietly starts dragging the other under. Here's why your accountant never catches it, and a financial manager spots it in two hours.

How an NGO Transparently Managed ₴400M in Fundraising for the Ukrainian Army

An NGO backing a Ukrainian army brigade, with ₴400M annual turnover, moved from 30 scattered fundraising jars to management accounting where every donation knows its project.

Project-Based Accounting: How to Make Every Dollar Know Its Project

If you run 2+ parallel projects and money keeps getting mixed up, here is a 5-step accounting system to see each project's budget balance and real margin in real time.

Weekly KPI Sheet: Seven Numbers the Owner Should See Every Monday in Ten Minutes

Somewhere between running the business and reporting on it, most small business owners lose the daily instrument they actually need. Not the accountant's monthly close. Not the annual budget. A wee…

Where the Profit Hides in a Small Production Business: COGS Isn't What You Think, and WIP Is Eating Your Cash

A founder of a small production business — furniture and interior objects, ₴9M annual revenue, five employees — described the audit that changed how she reads her P&L.

Financial Model for a Small Business: What It Is and How to Build One

Most owners build a "forecast" and call it a financial model. The difference matters more than you think. Here's what an actual model is — and how to build your first in a weekend.

How to Read a P&L Report — And Why Most Owners Miss the Real Signal

An owner read her monthly P&L every month and still couldn't answer the questions that mattered. Here's how to read a P&L the way the report was built to be used.

What a Financial Management Platform Is — And Why It's Not Just Accounting Software in a Browser

A founder tried four different tools before realizing what she actually needed. Here's what a financial management platform is, what it does, and why it isn't accounting software or a BI dashboard.

Bookkeeping vs Management Accounting: The Two Different Languages of Business Finance

Bookkeeping serves the tax authority. Management accounting serves you. Most owners hire one expecting both — and the gap costs them decisions every month. Here's the full difference.

Management Accounting Explained: What It Is and Why Owners Need It

Your accountant's monthly report is accurate, professional — and doesn't help you decide anything. Here's what management accounting actually is, and how to start.

The Friday Question: Which Supplier Gets Paid This Week?

An agency owner had to pick which supplier to pay last Friday — and her revenue was fine. Here's the payment calendar that fixed cash timing in 30 days.

14 Hours a Week "Checking the Finances" — And Still Surprised

A founder spent 14 hours a week "checking the finances" and still got blindsided. The four-cadence control loop and decision rights that fixed it in 90 days.

₴500K in May, ₴160K in July: The Cashflow Discipline Seasonal Businesses Skip

A business made ₴500K in May and ₴160K in July — and nearly broke in August. The cashflow discipline every seasonal business needs to install before the next swing.

₴480K Withdrawn, ₴0 Buffer Left: The Owner Dividend Decision Founders Get Wrong

A founder withdrew ₴480K in 12 months and zeroed her business buffer. The four-gate framework for safe owner dividends — and how much you can actually take.

What Money Management Actually Means in Business (And Why Most Owners Skip Three of the Four Layers)

A founder ran ₴8.2M revenue and couldn't say what she had in the bank. The four layers of real money management — and why most business owners skip three of them.

4,800 Covers, ₴47K Loss: Why Restaurants Can't Feel Their Break-Even Point

A neighborhood restaurant served 4,800 people last month and lost ₴47K. The owner couldn't explain how. Here's the break-even math that changed everything.

₴100K Revenue, ₴62K in Hand: How to Count Real Profit as a Ukrainian Sole Proprietor

A Ukrainian FOP consultant earned ₴1.2M last year — and discovered his real take-home was 38% less. Here's the math FOP owners skip, and how to count it.

What Is a Cash Gap and How to Stop It

A cash gap is when there's no money in your account even though the business is profitable. We break down what it is, why it happens, and how to see your risk 14 days ahead.

The Construction Firm With ₴18M in Signed Contracts That Couldn't Make Payroll

A profitable construction company with ₴18M in signed contracts almost lost the team to a single Friday call. Here's how a 14-day payment calendar changed everything in 90 days.

How a Charitable Foundation Supporting a Ukrainian Brigade Manages 400M UAH and 30 Project Budgets

When a charity managing 30 fundraising campaigns at scale moves from spreadsheets to systematic project budgeting — and the transparency it gives donors, the team, and the brigade.

Industrial Refrigeration Case Study: How to Digitize an Engineering Business

Discover how manufacturing Alternative Technologies moved from Excel to data-driven growth with a Fractional CFO. Learn how to optimize project margins and scale without chaos.

How Viora Build Freed Up 20 Hours a Week for the Operations Manager and Focused on Scaling the Business

From financial chaos to clarity: how Viora Build turned control into a growth driver.

How Finmap Helps IT Companies Bring Order to Their Financial Management

How to bring order to finances: project-based management, multicurrency tracking, and cost control for scaling without cash gaps.

+173% in Revenue: How Financial Management Made a Project-Based Business Profitable

A practical case study on how finance has helped a project business grow. Using the example of an architectural studio, we show how numbers can become a driver of profit, stability, and scaling.

Profitability of projects: how to set up financial management in the construction business

The article discusses how profitability is a key performance indicator that allows managing business lines and increasing business profitability

Why "Marketing Office" Considers Financial Management to Be the Key to an Effective Marketing Strategy

How to develop and implement an effective marketing strategy with the help of well-established financial management in Finmap

How to Overcome Chaos in Finance and Forget About Cash Gaps? The Real Case of the Sales Bureau

How did the international consulting company Andrey Krupkin's Sales Bureau successfully scale the company and forget about cash gaps with the help of Finmap

How Did a Service Business Owner Save $12 500