Finance in Plain Language

30-Day Cash Forecast: How a Small Business Owner Sees the Next Month Before It Happens

There's one question every small business owner in Ukraine returns to, over and over, month after month: will there be enough cash when the salaries are due? On paper the answer usually is. In the…

Expense Analysis: The Four-Step Procedure That Tells You What to Cut, What to Keep, and What to Increase

Every small business owner reaches a moment where "we should cut costs" becomes conventional wisdom in her own head. She can feel there's fat somewhere. She just can't point at it, and so nothing h…

Dividends from a TOV vs Draws from a FOP: The Real Cost of Getting Your Own Money Out

Somewhere between year two and year four, most Ukrainian small business owners have the same conversation with an accountant, a spouse, or themselves: is my legal structure the right one for how I'…

Before You Launch the New Product Line: The Five Financial Questions That Save Six Months

Every small business owner has a moment where an adjacent product line, a new service, or a new segment feels obviously right. The customers ask for it. The team is capable. The market seems presen…

Business Cash vs Personal Cash: How to Separate Them Cleanly (Even If You're a FOP)

For Ukrainian FOP owners and single-owner businesses generally, one of the quietest problems in the whole operation is the fact that "business cash" and "personal cash" live in the same wallet. Som…

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…

Annual Budget for a Small Business: The One-Day Method That Actually Works

The story most small business owners tell themselves about annual budgets is that they take weeks and require detail they don't have. So they don't build one. So they run the year on last year's me…

Multi-Currency Accounting for a Small Business: UAH, USD, EUR, USDT — Without the Headache

There's a specific moment small business owners in Ukraine hit — usually somewhere between year two and year four — when their bookkeeping stops being able to answer the simple question "did we act…

LTV and CAC for a Small Business: The Two Numbers Every Owner Should Be Able to Compute in 30 Minutes

There are two numbers every small business owner should be able to compute in about half an hour, from data she already has. Not perfectly — approximately. Not for investors — for herself. LTV and…