Finance in Plain Language

Financial Management vs Accounting for a Digital Agency: What's the Difference

Recording the past and steering your money forward are two different things. We break down the difference between accounting and financial management — and why a digital agency needs both.

Management Accounting for an IT Company, Explained Simply

Revenue is growing, but how much you actually earn — and on what — stays a mystery. In plain language: what management accounting for an IT company really means, and the three reports that are enough to keep.

Management vs Financial Accounting for a Marketing Agency: Where to Start

A marketing agency looks profitable — until you dig into the details. Here's how management accounting differs from financial accounting, and the three steps to get your money in order.

What Investors Ask DefTech Founders: 7 Numbers You Need for Due Diligence

Teams often walk into a round with impressive tech but no financial model and no track record of their numbers. Here are the 7 metrics an investor will ask for at due diligence.

Drone unit cost: how to calculate the real price of a product — from components to engineer hours

The price is often set by gut feel, and the real margin stays a mystery. How to work out the true unit cost — from components to engineer hours and R&D.

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.

Finances of a defense-tech startup: keeping grants, government contracts and commercial sales as one picture

A grant, a government contract and commercial sales all sit in one pot — and it's unclear what belongs to whom or how much the company actually earns. How to pull the whole picture together.

A Business Loan: When It Saves You, and When It Sinks You

A loan is a tool, not a rescue. How to tell the situation where borrowing accelerates your business from the one where it only digs the hole deeper.

What Share of Your Revenue Can Go to Rent

A great location drives sales, but it also eats into your margin. Here's how to figure out what share of your revenue your business can actually afford to spend on rent without ending up working for the landlord.