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Business Insights Financial Tools Articles

Financial Tools
Building Long-term Value: Plan on It

"Everything has a price, as the saying goes, but a lot of people struggle with figuring out what the right price is," responds Brodksy.

Financial Tools
Business Valuation: What's It Worth to You?

Understanding what your business is worth can be a critical issue in several circumstances. They can run the gamut from divorce, partnership dissolution, estate issues, buy/sell agreements, ESOPs, or, most commonly, the sale of the business to a third party or key employee. The ultimate determination requires a business valuation.

Financial Tools
Model Behavior: Know When It’s Time to Innovate

At some point in the lifecycle of your business, you’re going to need to change your business model. “Just as every product has a lifecycle, so does every business model,” advises Larry Gable, founder of Arlington, Massachusetts-based business consultancy LDG Associates. “The pace of change in technology and society continues to accelerate, thus shortening product and business model lifecycles.”

Financial Tools
Financial Ratios As A Road Map

If used properly, financial ratios can become powerful tools in determining what's happening—and what will happen—in a business. So how can ratios best be used?

Financial Tools
Get Paid Faster

Company culture, cute offices, and collaborative environments are great things for small businesses to have. But healthy cash flow is absolutely essential. So whenever someone comes up with empirically-based, simple ways to get paid faster, small-business owners sit up and listen.

Financial Tools
Tracking EVA

Economic Value Added (EVA) is a complicated formula that provides excellent insight into performance. The goal of calculating EVA is to determine true economic profit, after taking into account the opportunity cost of capital invested.

Financial Tools
The Pricing Paradigm: How Long Is Too Long?

Tempted to cut prices? You're not alone. With slumping sales, many businesses have been quick to offer discounts. "Cutting prices is by far the easiest marketing technique you can use," says Frank Luby, a partner in Simon-Kucher & Partners, a pricing and marketing consultancy.

Financial Tools
Digging Deeper With Cash Flow Sensitivity Analysis

Effectively managing cash flow is what keeps you in business. Understanding its sensitivity—the cash flow "what ifs"—and how it can affect your business, can help you better prepare for any eventuality.

Financial Tools
Using Your Capital Structure As A Hedge Against Risk

Companies are considering how their capital structures can protect against a broad range of catastrophic risks. But that's like a health plan that pays out only for the most costly, life-threatening diseases. Did BP envision a drilling accident that would shut off its access to short- and medium-term capital markets and result in worldwide condemnation? If it did, it certainly didn't prepare accordingly.

Financial Tools
When Does It Make Sense To Buy Your Business Real Estate?

With commercial real estate in a downturn, if you've been toying with the idea of buying a building for your business, this may be the right time. There are myriad advantages to buying. It's one cost you can control (e.g., no rent increases or lease negotiation) and it could be an excellent investment.