Finance in Plain Language

A blog for entrepreneurs who want to stay in control of their business finances. Here you'll find clear explanations of financial management, real-life case studies, practical insights, relevant news, and step-by-step guides.

Case Studies

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Taxi Fleet: Profit Per Car and Per Driver, Not Per Turnover

Twenty-two cars on the road and the money still disappears? Learn to count profit per car and per driver: rent vs commission, downtime, repairs and tyres, leasing that eats cash, and cash rides that never reach you. A taxi fleet broken down on real numbers.

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FREE

Translation Agency: Margin Per Project, Language Pair and Client

Orders coming in, translators busy, and the account still empty? Learn to count margin per project, language pair and client: freelancer rates, editing and layout, free revisions, notary fees that aren't your income, rush jobs and slow-paying corporate clients. A translation agency broken down on real numbers.

FREE

Used Car Dealership: Margin Per Car and How Fast Your Money Turns

Thirty cars on the lot, millions in turnover, and almost nothing left at month-end? Learn to count margin per car and stock turnover: reconditioning costs, days in stock, discounts at the deal, trade-ins and credit lines. A used car dealership broken down on real numbers.

FREE

Online School: Profit Per Cohort and Per Course, Not Per Launch

Big launches, sold-out cohorts, and still nothing left at month-end? Learn to count profit per cohort and per course: ad spend per student, tutors and refunds, instalments that delay your cash, and the cost of producing the course itself. An online school broken down on real numbers.

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Tool and Equipment Rental: Profit Per Unit and Real Utilization

Shelves full of tools, everything rented out, and the cash still thin? Learn to count profit per unit and utilization: payback on each machine, repairs and consumables, deposits and damage, seasonality and the kit that never leaves the shelf. An equipment rental business broken down on real numbers.

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Selling on Marketplaces: Real Margin After Fees, Ads and Returns

Orders every day, a million in turnover, and barely anything left? Learn to count real margin per SKU: marketplace commission, in-platform ads, returns and undelivered parcels, promo campaigns you were auto-enrolled in, and cash frozen in dead stock. A marketplace business broken down on real numbers.

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Medical Lab: Cost Per Test, Reagent Waste and Analyser Utilization

Full collection rooms, analysers running, and the money still thin? Learn to count cost per test and profit per collection point: reagent kits that expire, calibration runs, analyser utilization, outsourced tests and corporate contracts paid in arrears. A medical laboratory broken down on real numbers.

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Fulfillment Warehouse: Profit Per Order and Per Pallet Space

The warehouse is full, orders are shipping, and the money still isn't there? Learn to count profit per order and per pallet space: storage vs handling, returns, peak-season staffing, empty racks and clients who take up room but ship nothing. A 3PL warehouse broken down on real numbers.

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Artisan Cheese Dairy: Batch Cost, Aging and Cash Frozen in the Cellar

Cheese ages for six months, but the farmer must be paid on Monday. How an artisan dairy learned to count cost per batch, yield loss, spoilage and cash frozen in the cellar — and stopped feeling rich and broke at the same time.

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