The Profit Illusion
Most founders manage by the P&L. But in a sticky-inflation environment, you can be profitable on paper and still run out of money. This is "growth insolvency."
The Cash Gap
If you pay suppliers in 20 days but get paid by clients in 60 days, growth kills you. The faster you grow, the deeper the hole.
Runway Calculator
How long can you survive if revenue stopped tomorrow? This is your "Zero Revenue Days" metric.
The Liquidity Ladder
In a crisis, you must climb "down" the liquidity ladder. You trade long-term value for short-term cash.
Operating Cash
Bank balances, getting clients to pay faster.
Working Capital Debt
Overdrafts, trade finance. Cost is interest.
Asset Sales
Selling equipment or inventory at a discount.
Equity / Distressed Debt
Selling a slice of the company or taking predatory loans.
Deep Dive Analysis
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Bridging the Budget Gap
Household versus Corporate Strategies. How successful families manage free cash flow differently than corporations, and what we can learn from both.
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