Calculate Extra Revenue Required to Fund a New Hire
Hiring a new team member is a milestone, but for a time-challenged Small Business Owner, it can also be a source of financial anxiety. Whether you are hiring a Front-Line Producer (who sells or bills hours) or an Operational Support role (who frees up your time to sell), that new salary doesn’t just need to […]
C4.0.1 Rapid Solutions to Common Issues
Are You or Your Business Troubled? It is a sad fact that many small business owners face problems in their businesses. The Goal of 12Faces is to help you resolve those problems and put you on the path to success. Our Turnaround90 (T90) Course is designed around a 90 day GamePlan. But this special edition […]
How to Measure Net Cashflow
Cashflow is the lifeblood of any business. If the speed you collect cash owing to you is slower than the rate you pay it out to your suppliers, you are going to find it increasingly difficult to find the money to pay your suppliers. Unless this is rectified, you stand a good chance of going […]
Simple DIY Spreadsheet Template for Financial Ratio Information
We encourage the use of this type of dashboard tool because; It is difficult to visualize what’s happening in your business with just a jumble of numbers and you will be doing this analysis regularly so you should automate it as much as possible to make it a “good” Routine To allow you to set […]
Longer Term Financial Risk Warning: Debt-to-Equity Ratio Check Routine
Why This Routine Matters The Debt-to-Equity (D/E) Ratio reveals how your business is financed: by borrowing (debt) or by owner/investor capital (equity). This is a critical measure of long-term financial risk. A high D/E means you are relying heavily on lenders and interest payments, making your business fragile during economic downturns. This routine monitors your […]
Watch Debt Risk: Current Ratio Alert Reduces Stress
Why This Routine Matters The Current Ratio is your liquidity lifeline—your ability to pay the bills due in the next 12 months using the assets you can quickly convert to cash (like your bank balance and inventory). Banks rely on this ratio when considering loans. A Current Ratio below 1.0 is a red alert that […]
Manage Accounts Receivable for Better Cashflow
Quick Cash Flow Fix: The Accounts Receivable Routine Why This Routine Matters The number one reason small businesses fail is a lack of cash, not a lack of profit. This routine gives you a precise measure of how fast your sales turn into usable cash. If you wait 60 days to get paid on a […]
C4.0 Troubled Business: Introduction to Turnaround90 (T90)
Are You or Your Business Troubled? It is a sad fact that many enterprises, both large and small, hit tough times.A troubled business often doesn’t survive If you are experiencing financially troubled times, this Campaign is designed to help by:(1) Rapidly stabilising your business to reduce further damage and then(2) Demonstrating the next steps to […]
SM6.0 Profitable Business Autopilot – Introduction
Have money available when you need it! Among the largest contributors to the failure of both small and larger businesses, are either; they fail to make a Profit: they don’t have a profitable business. or they incorrectly account for their cash and run out of money to pay their debts and tax liability. This […]
Benefit from Labour Efficiency Ratio Metric
The cost of labour is one of the largest overhead expenses in most businesses. Any inefficiency here is an expense that must be recovered from the potential Profit of the organisation. Labour tends to grow of its own accord and it is very difficult for the business operator to know just how labour productivity is going as […]