Insights

The key to business analytics is applying good analysis to good data, and focusing on the most important areas. Business people expect to gain insight from financial data, not just reporting. Good, actionable data is critical to growing profits, cash flow and business value. Company executives value analytical data that drives profits and cash flow […]

Business Valuations are used for several reasons. You do not have to be considering a sale before you get an appraisal of your business. For example, think about how your banker views your business. Most companies have a revolving credit line or a term loan with a lender. Lenders care about your business valuation, after […]

Business value is an estimate of the economic value of an owner’s interest in a business, based on an ‘arm’s length’ transaction where a buyer and seller, freely agree upon a value with access to all information. The American Society of Appraisers, the Institute of Business Advisors, and the National Association of Certified Valuation Analysts, […]

Many businesses face uncertainty, whether it be from added competition, increased expenses, or a slowing economy. Some businesses have restricted cash flow and need help, others are not as profitable as they need to be, but they don’t have the time, manpower, or expertise to address the issues, and still others have a difficult time […]

Whether you are a borrower or a lender, the loan coverage ratio is at the heart of all loans. Lenders use a ratio called the debt service coverage ratio (DSCR), to decide if a business can qualify for a loan. The problem, is that there are several definitions, calculations, and thought processes that define the […]

Financial forecasting provides a roadmap of where a business is today, to where it needs to go. Fiscal Advantage estimates revenues and expenses for three years, including the movement of cash in and out of the business. Users can modify assumptions and explore how operational changes impact the business’s profitability, cash flow, and the company’s […]

Benchmarking is a term we often hear about, but most businesses fail to take full advantage of the concept to maximize cash flow, and profitability. After WWII, the Japanese economy laid in ruins, and Japan had to convert its war-time economy to consumer and industrial production. Japanese companies developed a process where they identified exceptional […]