Recent Posts
Debt: Understanding Unsecured Borrowing (Revolvers, LOCs, Credit Cards)
Debt isn’t inherently good or bad, it’s a tool. Used intentionally, it can stabilize cash flow, support growth, and give a business room to breathe. Used carelessly, it can erode margins and flexibility. One of the most common, and most misunderstood, tools in a...
Considering a Business Sale? A Practical Roadmap for Owners
Deciding to sell your business is one of the most significant financial and personal decisions a business owner will ever make. For many owners, it’s not a single moment, but a growing realization, prompted by market conditions, personal goals, succession questions,...
Personal Guarantee vs. Corporate Guarantee: What Business Owners Need to Know Before Signing
When negotiating a loan or line of credit, the type of guarantee a bank requires can materially change your risk exposure. If a lender is requesting a personal guarantee rather than a corporate guarantee, this is more than a formality, it directly affects your...
Why AI Will Not Replace Your Finance Team, But It Will Redefine It
AI is moving faster than most finance teams expected. Forecasts that once took weeks now take hours. Dashboards update in real time. Variance analysis happens with a click. For many leaders, the question is no longer if AI belongs in finance. It is what happens to the...
Secured vs. Unsecured Debt: Making the Right Move for Your Capital Strategy
When it comes to debt, most people stop at the surface-level distinction: secured debt is backed by collateral, unsecured debtis not. But as CFOs, we know the real value lies in how strategically we deploy each type. The Case for Secured Debt Secured debt is any loan...
Scaling Smart: A CFO’s Perspective on Scaling a Business
As a Chief Financial Officer, I’ve seen firsthand how scaling a business can be both exhilarating and perilous. Scaling a business means increasing its capacity to grow and generate more revenue without a corresponding increase in costs. Scaling without a solid...
The Equity Conversation You Can’t Avoid: What If It’s Time to Raise Some?
Raising equity looks different from the inside than it does on paper. Having raised equity for both a venture-capital–backed startup and a public company, I’ve seen firsthand what it really takes to secure funding for growth, finish product development, and support...
Year-End Isn’t Just a Deadline — It’s a Financial Opportunity
As we head into year-end, most small and mid-size businesses focus on closing deals and tying up loose ends. But this is also one of the best times to create real financial strategy going into Q1. Over the years, I’ve seen that the companies who use these few weeks...
Raising Equity: What Every Owner Should Know Before Saying Yes
Growing companies hit a point where internal cash flow and debt financing no longer stretch far enough. When that day comes, the next question is often the hardest one: Do we raise equity, and if so, how? Over the years, I’ve raised equity for both a venture-backed...
The Founder’s Roadmap to Funding: Angels, VCs, and the Path to an IPO
Most entrepreneurs start the same way: a little grit, a lot of caffeine, and a spreadsheet that somehow doubles as both a business plan and a therapy journal. You hustle, you bootstrap, and you keep things moving until eventually, you hit a wall. The opportunities are...