Clover — The Numbers Coach™

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April 9, 2019

WATCH OUT FOR “OVER-TRADING” AS WELL AS “OVER-EATING” AT CHRISTMAS!

April 9, 2019

Did you know that over-eating Christmas lunch can add up to well over 6,000 calories… at least you can work this off with a brisk walk (about 12 hours at 6mph!) But over-trading can be permanently disastrous for your business. Over-trading is where a business takes on too many orders, which despite being profitable, the business just hasn’t got the Working Capital to finance. What is working capital? Basically it’s the cash that should be in your bank account but at the moment it’s in someone else’s!

April 9, 2019

February 1, 2019

PITCH DECK CHECKLIST TO SECURE CASH!

February 1, 2019

It takes a lot of time and effort to get an opportunity to pitch to investors. The pitch deck is a key tool to help secure their interest and recently I’ve seen a number of pitch decks which made some fundamental mistakes. So use this checklist to increase your chances of success.

February 1, 2019

November 1, 2018

BALANCE SHEETS – MEASURING BUSINESS BUOYANCY!

November 1, 2018

If you are trying to get a loan or raise equity finance, one of the first things you will be asked for is a Balance Sheet. However, 80% of people in business have no idea what a balance sheet is. Even Deborah Meaden got it wrong recently on Dragons’ Den when she started explaining how sales would appear in your balance sheet. They don’t!

November 1, 2018

May 2, 2018

WHY HUMOUR HELPS CASH FLOW – WITH THANKS TO THE ROYAL MARINES

May 2, 2018

The Royal Marines Hasler Company is the naval service Recovery Centre. The objective of the centre is to administer a bespoke recovery pathway for every soldier and to provide effective assistance and support for the soldiers and their families. For many soldiers trying to get a civilian job is not going to be an option and starting a business may be the only way they can create a viable economic future.

May 2, 2018

October 1, 2017

CASH FLOW – FOR FUNDING, IT SOMETIMES PAYS TO THINK LOCAL

October 1, 2017

An entrepreneur was recently introduced to me asking advice how to raise money. She had spent nearly £8,000 with so-called advisors who over a year had failed to produce a plan or an investor meeting.

These advisors weren’t obvious cowboys but prosperous looking retired company executives who had claimed they were writing a plan for wealthy investors they knew…caveat emptor you can hear me say.

October 1, 2017

August 2, 2017

HOW FINANCIAL ROUTINES CAN GENERATE BIG “MARGINAL” GAINS IN CASH FLOW

August 2, 2017

The success of British cycling under Dave Brailsford is attributed to his relentless, relentless, relentless pursuit of even the smallest marginal improvements. As a result the team benefited from what he describes as “the aggregation of marginal gains”. By this he means that if you improve every aspect of an activity by even a small amount then cumulatively this will add up to a big improvement.

August 2, 2017

May 29 Clover

May 29 Mirjam

May 29 Lucy B