Podcasts about Working capital

This episode takes a unique approach to ag finance: “Think like a lender. Act like an investor. Farm like an operator.” Jake explains how sophisticated lenders and institutional investors evaluate farming operations differently than producers often evaluate themselves. The discussion challenges farmers to step back and ask an important question: “If your farm walked into your office asking for a loan… would you approve it?” We break down: What lenders actually look at first when evaluating an operation What separates a “bankable” farm from a risky one Why consistency and decision-making discipline matter more than acres alone How lenders think in terms of risk while farmers often think in bushels The conversation introduces a practical framework for understanding farm financial health through three key buckets: Liquidity — Can you survive? Working capital Cash flow flexibility Burn rate management Equity — Can you withstand shocks? Land values Leverage ratios Collateral strength Efficiency — Can you win long-term? Cost structure ROI on assets Decision quality Jake also explains why institutional investors continue to value farmland as an asset class, what they see in agricultural real estate, and whether current farmland prices are sustainable. Additional topics include: Whether farmland is overpriced, fairly valued, or still undervalued What could actually cause land values to decline Why farmland may remain strong while farm cash flow weakens Long-term land financing versus operating lines Flexible financing structures and matching debt to asset life How growth-oriented operations approach lending differently What top-tier operators are doing differently in today's economy Conversations successful operators are having with lenders right now The episode also explores how data, performance analysis, and decision-making tools used in athletics and business could transform financial management in agriculture. Want Farm4Profit Merch? Custom order your favorite items today!https://farmfocused.com/farm-4profit/ Don't forget to like the podcast on all platforms and leave a review where ever you listen! Website: www.Farm4Profit.comShareable episode link: https://intro-to-farm4profit.simplecast.comEmail address: Farm4profitllc@gmail.comCall/Text: 515.207.9640Subscribe to YouTube: https://www.youtube.com/channel/UCSR8c1BrCjNDDI_Acku5XqwFollow us on TikTok: https://www.tiktok.com/@farm4profitllc Connect with us on Facebook: https://www.facebook.com/Farm4ProfitLLC/Farm4Profit Media is not a financial, legal, or tax advisor. Content is provided for informational purposes only, and we serve solely as a platform for third-party opinions. Any actions taken based on this content are at your own risk. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit Most business owners feel pretty comfortable with their income statement. Revenue, costs, profit. Simple enough.But the balance sheet is where the real story lives and where most of the damage hides. If your balance sheet is a mess and you ever have to clean it up, those corrections will hit your profit directly and could affect your taxes going back years.In this episode Steve walks through exactly what to watch on your balance sheet, why these balances get out of control quietly, and what to do before the cleanup becomes a crisis._______________________________________Disclaimer:The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information.LinkedIn | YouTube coltivar.com

In this episode of One Vision, Theodora Lau sits down with Hay Yip, Chief Strategy Officer and Chief of Staff at FundPark in Hong Kong, for a conversation that spans heritage, working capital, and what it really takes for SMEs to scale in an uncertain world.Hay shares his journey from a commercial banking career at HSBC — spanning both London and Hong Kong — to the electric pace of a fintech startup, and why he now goes to bed "with one eye open." Born in Hong Kong and grew up in the UK, his story comes full circle as he returns home to help the small businesses he's always been drawn to.At the heart of the conversation is the often-overlooked engine of commerce: working capital. Hay makes the case that cash flow is the "bloodline" of any growing business, and explains how FundPark uses data and analytics to serve e-commerce merchants who are not just underserved by traditional banks, but in many cases entirely unserved. Theo and Hay explore the founders' origin story, why entrepreneurs deserve more credit for their courage, and how global supply chain fragility shows up in the everyday lives of merchants and the customers who depend on them.Tune in for a candid look at the unglamorous but essential side of fintech, and FundPark's vision of "scale up as a service" — helping ordinary people behind real businesses thrive.

In this episode of One Vision, Theodora Lau sits down with Hay Yip, Chief Strategy Officer and Chief of Staff at FundPark in Hong Kong, for a conversation that spans heritage, working capital, and what it really takes for SMEs to scale in an uncertain world.Hay shares his journey from a commercial banking career at HSBC — spanning both London and Hong Kong — to the electric pace of a fintech startup, and why he now goes to bed "with one eye open." Born in Hong Kong and grew up in the UK, his story comes full circle as he returns home to help the small businesses he's always been drawn to.At the heart of the conversation is the often-overlooked engine of commerce: working capital. Hay makes the case that cash flow is the "bloodline" of any growing business, and explains how FundPark uses data and analytics to serve e-commerce merchants who are not just underserved by traditional banks, but in many cases entirely unserved. Theo and Hay explore the founders' origin story, why entrepreneurs deserve more credit for their courage, and how global supply chain fragility shows up in the everyday lives of merchants and the customers who depend on them.Tune in for a candid look at the unglamorous but essential side of fintech, and FundPark's vision of "scale up as a service" — helping ordinary people behind real businesses thrive.

How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit Businesses almost never collapse without warning. The signs are usually there months before things get critical, sometimes even longer. The problem is most owners either do not know what to look for or they see the signs and convince themselves things will turn around.In this episode Steve walks through the five warning signs he looks for when he walks into any business. Catch them early and the fix is usually straightforward. Wait until they become a crisis and the options get a lot more limited.If your business is growing but something still feels off, this one is worth your full attention._______________________________________Disclaimer:The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information.LinkedIn | YouTube coltivar.com

Today, we are breaking down Auto1, and this is an interesting episode because we are tackling a business that most US listeners will not be familiar with, even though it resembles names they already know well. Our guest is Harrison Moot, co-founder and CIO of Sandstone, who walks us through Europe's largest vertically integrated online marketplace for used cars. Auto1 is often shorthanded as the Carvana of Europe, and the comparison directionally fits, but the differences are what make the company worth understanding on its own terms. The core of the conversation is how Harrison frames the company. He argues that Auto1 is best understood as a pan-European clearing house for used vehicles rather than a dealer with a website, and that the model only works because the company built its consumer sourcing engine and its wholesale dealer liquidity for nearly a decade before ever launching the consumer retail business. Owning the sourcing, logistics, refurbishment, and financing stack across thirty fragmented national markets gives Auto1 a pricing and routing advantage that local dealers and asset-light classifieds cannot replicate. Please enjoy this Breakdown of Auto1. For the full show notes, transcript, and links to the best content to learn more, check out the episode page⁠⁠⁠⁠⁠⁠⁠ here.⁠⁠⁠⁠⁠⁠⁠ ----- Become a Colossus member to get our quarterly print magazine and private audio experience, including exclusive profiles and early access to select episodes. Subscribe at ⁠colossus.com/subscribe⁠. ----- This episode is brought to you by⁠⁠⁠⁠ ⁠Portrait Analytics⁠⁠⁠⁠⁠ - your centralized resource for AI-powered idea generation, thesis monitoring, and personalized report building. Built by buy-side investors, for investment professionals. We work in the background, helping surface stock ideas and thesis signposts to help you monetize every insight. In short, we help you understand the story behind the stock chart, and get to "go, or no-go" 10x faster than before. Sign-up for a free trial today at ⁠⁠⁠⁠⁠portraitresearch.com⁠⁠⁠⁠⁠ ----- Stay up to date on all our podcasts by signing up to Colossus Weekly, our quick dive every Sunday highlighting the top business and investing concepts from our podcasts and the best of what we read that week. Sign up here. ----- Editing and post-production work for this episode was provided by The Podcast Consultant (⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://thepodcastconsultant.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠). Timestamps (00:00:00) Welcome to Business Breakdowns (00:03:35) Auto1 Business Overview  (00:07:06) European Market & C2B Model  (00:12:31) Founding Story & Sequencing  (00:16:39) Why Cazoo Failed  (00:16:42) Cazoo vs. Auto1 Approach  (00:18:29) How a Transaction Works  (00:22:11) Dealer Buying Patterns  (00:25:49) Retail vs. Wholesale  (00:26:18) Consumer Financing & ABS  (00:27:57) ABS Lowers Funding Costs  (00:28:16) Unit Economics by Segment  (00:32:37) Network Effects & Data Moat  (00:37:35) Path to Margin Expansion  (00:42:23) Balance Sheet & Working Capital  (00:44:40) Four Growth Levers  (00:48:27) Dealers: Customers Not Competitors  (00:53:17) Four Key Business Risks  (00:54:12) Inventory Risk & Mitigants  (00:58:32) Valuation Framework & Multiples  (01:03:14) Vertical Integration & Capital Cycles

In this Company Update, I sit down with Charles Funk, President and CEO of Heliostar Metals (TSX.V: HSTR | OTCQX: HSTXF), to focus on the Q1 2026 earnings released yesterday. Charles provides a deep dive into the company's operations, record gold production, and the roadmap for its flagship Ana Paula project. Key Discussion Points: Record-Breaking Q1 Financials: An overview of the record gold production and mine operating earnings reported on May 12. Growth at San Agustin and La Colorada: A breakdown of how restarting production and implementing innovative leaching techniques have driven down costs while increasing output. The High-Grade Opportunity at Ana Paula: Discussion on the latest drill results and the management reorganization designed to fast-track this project toward becoming a major Mexican gold mine. Strategic Acquisition of Goldstrike: Insight into how the recent Goldstrike acquisition fits into the broader portfolio and the company's dual pathway for monetizing or developing this asset. Financial Position and Growth Outlook: A look at Heliostar's robust working capital and how the company is balancing aggressive exploration with cash preservation.   Please email me at Fleck@kereport.com with any follow up questions for the team at Heliostar Metals.    Click here to visit the Heliostar Metals website to learn more about the Company - https://www.heliostarmetals.com/   ----------------- For more market commentary & interview summaries, subscribe to our Substacks:  The KE Report: https://kereport.substack.com/  Shad's resource market commentary: https://excelsiorprosperity.substack.com/ Investment disclaimer: This content is for informational and educational purposes only and does not constitute investment advice, an offer, or a solicitation to buy or sell any security or investment product. Investing in equities, commodities, really everything involves risk, including the possible loss of principal. Do your own research and consult a licensed financial advisor before making any investment decisions. Guests and hosts may own shares in companies mentioned.

In this episode, Dominic Drew from the Trade and Working Capital team is joined by Natasha Condon, global head of Sales for Trade and Working Capital, and Kyle Hutzler from the JPMorganChase Center for Geopolitics to discuss the fundamental repricing of supply chains. The discussion delves into how geopolitics, tariffs, and overlapping disruptions are prompting companies to carry higher inventory levels, build liquidity buffers, and reassess the allocation of resilience costs across complex ecosystems. The conversation highlights why these changes are structural rather than cyclical, identifies emerging pressure points, and examines how capital allocation and financing strategies are adapting to support more resilient supply chains   This episode was recorded on April 20, 2026.   ©2026 JPMorgan Chase & Co. All rights reserved. JPMorgan Chase Bank, N.A. Member FDIC. Deposits held in non-U.S. branches are not FDIC insured. Non-deposit products are not FDIC insured. The statements herein are confidential and proprietary and not intended to be legally binding. Visit jpmorgan.com/payments disclosure for further disclosures and disclaimers related to this content. This video-podcast/guide is confidential and proprietary to J.P. Morgan and is provided for your general information only. It is subject to change without notice and is not intended to be legally binding. Any services described in this video-podcast/guide are subject to applicable laws and regulations and service terms. Not all products and services are available in all locations. Eligibility for particular products and services will be determined by JPMorgan Chase Bank, N.A. or its affiliates. J.P. Morgan makes no representations as to the legal, regulatory, tax or accounting implications of the matters referred to herein. Any mentions of third-party trademarks, brand names, products and services are for referential purposes only and any mention thereof is not meant to imply any sponsorship, endorsement, or affiliation. J.P. Morgan and J.P. Morgan Payments are marketing names for certain businesses of JPMorgan Chase & Co. and its affiliates and subsidiaries worldwide JPMorgan Chase Bank, N.A., organized under the laws of U.S.A. with limited liability. The views and opinions expressed herein are those of the author or speakers and do not necessarily reflect the views of J.P. Morgan, its affiliates, or its employees. The information set forth herein has been obtained or derived from sources believed to be reliable. Neither the author or speakers nor J.P. Morgan makes any representations or warranties as to the information's accuracy or completeness. The information contained herein has been provided solely for informational purposes and does not constitute an offer, solicitation, advice or recommendation, to make any investment decisions or purchase any financial instruments and may not be construed as such.   --------   J.P. Morgan and third parties listed on this page have not entered into a legal partnership to provide the services described above. Third party trademarks, brand names, and descriptions of products and services that appear on this page are provided by the respective third party. J.P. Morgan is not liable or responsible for such trademarks, brand names, descriptions of products, companies and or services. J.P. Morgan may generate profit from the use of any services or products provided by the third parties. Nothing in this material shall be taken as an endorsement of any third party or advice on the suitability of the third party's services for the client. You shall make an independent determination for selection of the services provided by the third parties. Neither J.P. Morgan, nor its affiliates, shall be liable to you for any loss or liability suffered by you from the use of the third party's services. Any Future capabilities of mobility payment systems are under development; features and timelines are subject to change at the Bank's sole discretion.

What if you could unlock working capital without putting pressure on your suppliers? In this episode, we break down how Supply Chain Finance (SCF) is reshaping the way organizations manage cash flow, strengthen supplier relationships, and build resilience in an increasingly uncertain global landscape. Join Actualize Consulting's experts, Director Martin Santiago and Manager Adrian Mendieta, to demystify SCF, from what it is and why it matters, to how it turns a long-standing tension between buyers and suppliers into a true win-win. You'll gain practical insights into how companies are extending payment terms while still enabling suppliers to access faster, more affordable liquidity, all through the power of strategic financing and smart program design. SCF is a strategic lever that enhances liquidity, reduces risk, and creates a stronger, more collaborative supply chain ecosystem.  Listen to learn how to: How SCF buyer and supplier relationships into a win-win solution The real value for both buyers (cash flow flexibility) and suppliers (faster, lower-cost access to cash) Navigate common implementation challenges, from technology to global regulations  Actualize Consulting's focus on building a customized SCF strategy 

As the TMI Awards 2026 Best Bank for Trade & Supply Chain Finance: North America, MUFG demonstrated its deeply collaborative approach to working capital optimisation. Its winning entry – an innovative early payment programme delivered with a major North American corporate – helped its client strengthen supplier liquidity while maintaining financial control. In the company of the bank's Greg Hurst, Managing Director, Head of Origination, Working Capital & Trade Finance, and Mark Timoney, Managing Director, Working Capital & Trade Finance, we explore how other corporates can begin a journey towards working capital optimisation.

In this episode of the Ecomm Breakthrough Podcast, host Josh Hadley explains why distributable cash is the most critical metric for e-commerce business health. He clarifies the difference between net income and distributable cash, warning against reinvesting all profits and leaving yourself financially vulnerable. Josh recommends distributing roughly one-third of net income while retaining working capital for growth. He also shares his personal wealth-building framework, allocating distributable cash across life insurance, S&P 500 index funds, turnkey real estate, and speculative assets, helping entrepreneurs build lasting personal wealth independent of their business's uncertain future.Links and Mentions:E-commerce Platforms  "Shopify": "00:00:00"  "Amazon": "00:00:00"  "TikTok Shop": "00:00:00"  Financial Concepts  "Distributable Cash": "00:01:02"  "Net Income": "00:01:02"  "Cash Conversion Cycle": "00:02:09"  Investment Recommendations  "Life Insurance": "00:13:29"  "S&P 500 VOO Index Fund": "00:15:24"  "Roth IRA": "00:16:18"  "REITs (Real Estate Investment Trusts)": "00:18:14"  Books and Videos  "Podcast Episode with Mike Olson": "00:14:31"  "Podcast Interview with Dew Wealth": "00:17:18"  Additional Notes  "Speculative Investments": "00:19:55"  "Oil Investment Opportunities": "00:20:39"Timestamps:00:00:00 Introduction & Host BackgroundJosh introduces himself, his e-commerce experience, and the purpose of the E-com Breakthrough Podcast.00:01:02 The #1 Business Metric: Distributable CashExplains distributable cash, how it differs from net income, and why it's crucial for business health.00:02:09 Importance of Working Capital vs. Owner DistributionsDiscusses the need to balance reinvesting in the business with distributing profits to owners.00:03:17 When to Reinvest vs. Distribute CashDescribes scenarios for high reinvestment and sets a 33% distributable cash target for most businesses.00:04:31 Why Distributable Cash Matters for EntrepreneursExplains the risks of relying on a future exit and the benefits of building wealth through regular distributions.00:05:30 Risks of Operating in Others' SandboxesHighlights the vulnerability of e-commerce businesses to platform changes and the importance of diversifying wealth.00:07:23 Psychological Benefits of Distributable CashDescribes how having cash outside the business reduces stress and enables better decision-making.00:08:51 Common Mistake: Confusing Net Income with Distributable CashShares a cautionary story about an entrepreneur who misused net income, leading to debt and financial trouble.00:10:36 Key Lessons: Annual Distributions & Retaining Working CapitalEmphasizes the importance of annual cash distributions and not treating all net income as distributable.00:11:29 What To Do With Distributable Cash: Josh's FrameworkIntroduces Josh's personal strategy for allocating distributable cash to build long-term wealth.00:13:29 Bucket 1: Life InsuranceExplains using life insurance for creditor protection, steady growth, and as a financial safety net.00:15:24 Bucket 2: S&P 500 Index Funds & Retirement AccountsAdvocates for steady, long-term growth via index funds and maximizing tax-advantaged retirement accounts.00:17:18 Bucket 3: Real EstateRecommends turnkey single-family homes over short-term rentals to avoid creating another business.00:19:55 Bucket 4: Speculative InvestmentsAllocates a small portion to speculative assets like crypto or individual stocks for potential upside.00:20:39 Bonus: Oil Investment OpportunitiesMentions investing as a limited partner in oil drilling for tax benefits and passive income.00:21:32 Conclusion & Call to ActionEncourages listeners to share the episode, leave reviews, and spread the word.Transcript:Josh Hadley 00:00:00  Do you want to know whether your business is healthy or not? Whether you're going to be succeeding over the next five years or whether you're going to be struggling? Today? I'm going to be sharing with you the number one business metric that tells you the exact health of your business and whether you're about to continue to grow or decline. Welcome to the Ecomm Breakthrough Podcast, I'm Josh Hadley. I've scaled my own ecommerce brand from 0 to 8 figures, and I'm actively building towards nine figures in sales. This podcast is where I document that journey and share the systems, the strategies, and the lessons learned in real time so that you can learn what actually matters and scale your own business first and foremost. Who am I? My name is Josh Hadley. I'm a man of faith. I am a father of four and a husband to a beautiful wife. I've been in the e-commerce space for over ten years, and I'm doing over $20 million and doing multi millions on Shopify, TikTok shop and Amazon as well. And also the host of the Ecom Breakthrough podcast, which is the number one business strategy podcast for ecommerce.Josh Hadley 00:01:02  Let's talk about what the number one business metric is that allows you to know whether your business is healthy and that is distributable cash. Let's talk about what distributable cash is because it's actually different from net income. Net income is what is left over after you have, you know, basically run the business over the course of the month or over the year, right. So you're going to take out your cost of goods. You're going to take out fulfillment costs. You're going to take out advertising, your overhead expenses, salaries, etc.. What's left over is your net income. Here's where a lot of entrepreneurs and business owners go wrong. They mistakenly think that, oh, I netted whatever that net income amount is. And then they think that's my personal money. That's all distributable cash. And the reason why this is so important to delineate between distributable cash and actual net income is for the following reason. Your business needs working capital in order to grow. And so working capital is what allows you to go hire that next person, or to go invest into a new product that you have never released, or to reorder additional products that are already selling well, that are maybe growing quickly.Josh Hadley 00:02:09  And so it's important that you do not a starve the business for the working capital that it needs, but be it is also very important that you are actually able to distribute a profit or distributable cash to the owner of the business. And here's why I argue that this distributable cash is the number one metric for a healthy business. If you have to take, let's say it's it's 90% of your net income and reinvest it into the business just to keep it afloat. It means a you probably have a really bad cash conversion cycle, which if you want to learn a little bit more about that, go check out some of my other podcast episodes where I do talk about the cash conversion cycle and how to optimize it so that you have a very healthy cash conversion cycle, even a negative cash conversion cycle where you get paid even before you've had to outlay any money for generating that revenue or that cell. It is possible, even inside a...

Arturo Préstamo Elizondo, Executive Chairman and CEO of Santacruz Silver Mining Ltd. (TSX.V:SCZ) (NASDAQ:SCZM) (FSE:1SZ), joins me to highlight their full-year 2025 financial and operational results across their portfolio of producing mines in Bolivia and Mexico. We also review a few of the key growth initiatives that the company has slated for 2026 across multiple projects.    FULL YEAR 2025 HIGHLIGHTS:   Revenues of $326.4 million, a 15% increase year-over-year. Gross Profit of $109.4 million, a 91% increase year-over-year. Net Income of $42.2 million, a 74% decrease year-over-year1. Adjusted EBITDA of $104.6 million, a 99% increase year-over-year. Cash and Highly-Liquid Marketable Securities of $66.7 million, a 87% increase year-over-year2. Working Capital of $63.7 million, a 38% increase year-over-year. Average Realized Price per Ounce of Silver Equivalent Sold of $39.00, a 36% increase year-over-year. AISC per Silver Equivalent Ounce Sold of $30.81, a 18% increase year-over-year. Realized Margin per Silver Equivalent Ounce Sold of $8.19, a 209% increase year-over-year.   Last year was a milestone year for Santacruz, highlighted by the full debt repayment to Glencore, payment of taxes to Bolivia, and still ending the year with ~$70 million added to the treasury and materially strengthened balance sheet.  Strong silver prices throughout the year and improving mine efficiencies contributed to a revenue increase of 15%, and the margin between the average realized price of silver and AISC improved by 209%.   While total production was down 11% due to Bolivar's May 2025 flooding event, the strength and diversification of their multi-asset operating portfolio helped offset the impact, with operations remaining cash-generative and profitable. The Company continues to expect Bolivar's full recovery by Q4 2026, with the dewatering program progressing ahead of plan and driving consistent quarter-over-quarter improvements throughout the year. The Company is beginning to see the benefits of the recovery efforts at Bolivar, now accessing again the high silver-grade Pomabamba and Nané veins.   Next we moved over to the Caballo Blanco Group of mines, which is the lowest cost and thus highest efficiency of their operations.  Colquechaquita and Tres Amigos are the 2 producing mines, but Arturo mentioned that the Company has now brought Esperanza Mine back into production during Q1, and that it should be a profitable smaller zinc-forward mine in this Caballo Blanco complex moving forward.   Next we shifted over to the high-margin San Lucas Group Lucas feed sourcing business (which now includes ore blended from the Reserva Mine, previously part of the Caballo Blanco complex).  Arturo points out that since this is a “margin business” it will always be profitable, but that it will see higher costs in parallel with higher silver prices, and thus the higher amount needed to be paid to the small regional miners that bring in their ore to sell to San Lucas.   The higher costs are not an efficiency issue, but rather reflective of moves up in the metals prices themselves.   Their Zimapán Mine in Mexico will be another area of growth for Santacruz Silver in 2026, after a substantial capital investment last year into plant equipment and improving mine efficiencies and metals recoveries.   Additionally, the operations team had finally gained access to the high-grade 960 Level of the Zimpan Mine at the end of Q4, and so this will be a more significant contributing area of production starting in Q1 2026 and for several years to come.   The operations team is advancing their silver-dominant Soracaya mine towards development and near-term production. There is already a decline ramp into this project with initial stope access in 2 areas, and the plan once the permit is received is to get this mine into initial production by Q4 of 2026.    Wrapping up we discussed the potential for future accretive acquisitions in the Americas.  The board and management team are open to a currently producing mine or development-stage underground mining assets, but only if the acquisition would be accretive for shareholders and if their team can unlock value in these acquired assets.     If you have any follow up questions for Arturo regarding Santacruz Silver, then please email those to me Shad@kereport.com.   In full disclosure, Shad is a shareholder of Santacruz Silver at the time of this recording, and may choose to buy or sell shares at any time.   Click here to follow the latest news from Santacruz Silver   For more market commentary & interview summaries, subscribe to our Substacks:   The KE Report: https://kereport.substack.com/ Shad's resource market commentary: https://excelsiorprosperity.substack.com/     Investment disclaimer: This content is for informational and educational purposes only and does not constitute investment advice, an offer, or a solicitation to buy or sell any security. Investing in equities and commodities involves risk, including the possible loss of principal. Do your own research and consult a licensed financial advisor before making any investment decisions. Guests and hosts may own shares in companies mentioned, and companies profiled may be sponsors of the KE Report.  

How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit A lot of business owners think profit is the goal, but the real problem shows up when the cash is not there.This is one of the most common struggles leaders deal with. Steve breaks down why profit and cash flow don't match and shares a simple way to measure how much of your profit actually turns into usable cash. Once you see this number, you'll understand exactly where your money is getting stuck and what needs to change._______________________________________Disclaimer:The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information.LinkedIn | YouTube coltivar.com

In dieser Folge von „Im Fokus“ nimmt Jakob Eich gemeinsam mit der Bilanzexpertin Carola Rinker den aktuellen Geschäftsbericht von Volkswagen unter die Lupe. Warum wirkt der Gewinneinbruch drastischer, als er Cashflow-seitig ist? Und welche Signale senden F&E-Quote, Aktivierungen und Working Capital über die Zukunftsfähigkeit des Konzerns?Das erwartet Sie in der EpisodeWarum eine sinkende Forschungs- und Entwicklungsquote Fragen zur Innovationskraft aufwirftCashflow vs. Ergebnis: Warum der operative Cashflow oft „robuster“ ist als der Gewinn6 Milliarden Euro Netto-Cashflow: Welche Rolle geringere Investitionen und Working-Capital-Maßnahmen spielenLesbarkeit von Geschäftsberichten: Warum 600+ Seiten nicht automatisch mehr Transparenz bedeutenDie GesprächsteilnehmerHost: Jakob Eich (FINANCE)Gast: Dr. Carola Rinker (Bilanzexpertin, Professorin, Unternehmensberaterin)

In this episode of The Big Interview, Raja Debnath, MD, and Chairperson of Veefin Group, discusses the evolving future of working capital management, where AI and automation are becoming central to financial stability. He highlights how Veefin is leading AI-driven risk control and multi-lender orchestration to transform liquidity management for MSMEs. He also shares key lessons from scaling Veefin across $30bn disbursements and 15+ diverse financial ecosystems, offering insights into legacy modernization, modular architecture, cloud adoption, and effective data strategies.  With an eye on global expansion, Veefin is focused on deepening product innovation and forming strategic partnerships in emerging markets like Africa and Asia. Tune in to discover how AI is reshaping the landscape of working capital finance and driving growth across global financial ecosystems.

Ready to see how much cash is hiding in your business? Get your free Financial Health Check now: coltivar.com/check Financial Intelligence Toolkit Your income statement says you made money, but your bank account says something else.This happens in more businesses than you think. Steve explains why profitable companies can still feel cash-strapped and where the money actually goes. Most of the time it disappears in just 3 places: margin problems, working capital, and owner distributions. When you understand how these 3 areas affect free cash flow, the numbers in your business finally start to make sense._______________________________________Disclaimer:The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information.LinkedIn | YouTube coltivar.com

Join Oliver Belin, Founder and CEO of Calculum Inc., for a masterclass in the financial "connective tissue" of global business: Working Capital. With over 20 years of experience and two definitive books on Supply Chain Finance, Oliver is a world-renowned authority on how companies can thrive by optimizing their cash conversion cycles. In this episode, we explore why working capital management has moved from a back-office accounting task to a mission-critical strategy for survival and growth in today's volatile economic environment.

In this episode of "The Free Lawyer" podcast, host Gary interviews John Scott, a partner at Anders and a virtual CFO specializing in law firms. John shares insights from his 30+ years of experience, discussing the importance of financial leadership, the four pillars of law firm finance, and the value of having a CFO. The conversation covers succession planning, building financially sound firms, leveraging technology, and the benefits of outsourcing financial management. John offers practical advice for attorneys seeking to scale their firms, improve profitability, and achieve greater personal and professional freedom.John C. Scott, CPA, AEP, CGMA, is a partner in tax at Anders and a leading authority in law firm financial management. With over 30 years of experience, he heads Anders' legal industry efforts for their Virtual CFO team, offering law firms the dedicated resources, forward-looking financial insight, and critical thinking they need to thrive. Author of Judicial Dollars and Cents, John specializes in helping firms optimize processes, improve profitability, and position themselves for successful succession or managing partner transitions.Drawing on deep expertise in tax planning, estate planning, and closely held business valuations, John partners with law firms to implement data-driven decision-making, streamline operations, and strengthen cash flow. His approach blends strategic foresight with hands-on financial leadership, ensuring firms can scale confidently and sustainably. Whether guiding a million-dollar boutique or a $30M multi-office practice, John helps ambitious legal leaders turn complexity into clarity—and profitability into lasting success.Virtual CFO Approach & Differentiation (00:03:34) Why Law Firms Need a CFO (00:04:35) D.Biggest Financial Blind Spots (00:05:49) The Four Pillars of Financial Management (00:07:27) Cash Flow Management & Working Capital (00:08:24) .Building a Firm That Runs Without the Owner (00:09:29) Succession Planning & Owner Freedom (00:10:47) Avoiding Default Retirement (00:12:15) Successful Succession vs. Firm Collapse (00:13:39) When to Start Exit Planning (00:14:26) Key Financial Metric for Growth (00:15:02) Case Study: Turning Around a PI Firm (00:16:28) Value of Trusted Advisors & Coaching (00:17:52) Future Trends: Technology & Data (00:18:53) Building a Financially Sound, Fulfilling Firm (00:20:20) .Final Advice: Investing in Finance Function (00:22:02) You may order your copy of Breaking Free here: https://www.amazon.com/dp/B0CPKSQ59RWould you like to learn what it looks like to become a truly Free Lawyer? You can schedule a complimentary call here: https://calendly.com/garymiles-successcoach/one-one-discovery-callYou can find The Free Lawyer Assessment here- https://www.garymiles.net/the-free-lawyer-assessment

Ready to see how much cash is hiding in your business? Get your free Financial Health Check now: coltivar.com/check Financial Intelligence Toolkit A lot of companies are profitable on paper but still run out of cash.The problem usually comes down to something most owners never measure called the cash conversion cycle. Steve explains why profit and cash flow are different, how working capital traps cash inside a business, and why growing too fast can actually make the problem worse. Once you understand how DSO, inventory, and payables affect your cash cycle, you can start pulling the right levers to get cash moving back into your business. _______________________________________Disclaimer:The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information.LinkedIn | YouTube coltivar.com

What does it really take to sell a construction company the right way?In this episode of The Mobilization Mindset, Drew Aldridge sits down with investment banker Graham Woodard of Three Sixty Seven Advisors to break down the real-world M&A playbook for specialty contractors.If you're an HVAC, concrete, roofing, plumbing, electrical, or commercial subcontractor doing $10M–$100M in revenue, this conversation is for you.Inside this episode, we cover:• What an investment bank actually does for construction companies• How EBITDA works (and why buyers care so much about it)• The biggest valuation drivers in specialty trades• Why service revenue commands higher multiples than new construction• How customer concentration can make—or break—your deal• The difference between strategic buyers, private equity, and independent sponsors• What happens after you sign a Letter of Intent (LOI)• How to prepare years in advance for a successful exitWe also dive into leadership, decision-making, and why the skilled trades may be one of the strongest entrepreneurial paths in the AI era.Whether you're planning to sell in 12 months or 10 years, understanding how buyers think today can dramatically change how you build your company tomorrow.Three Sixty Seven Advisors Website: https://www.threesixtyseven.com/Learn more: https://mobilizationfunding.com/Subscribe to the Mobilization Minute newsletter: https://mobilizationfunding.com/newsletter-subscriptions/

Send a textRunning a consumer packaged goods (CPG) brand is exciting, but it comes with financial challenges - from inventory management to seasonal sales swings. In this episode, I sit down with Tien Do from BlueRock to break down the essential tools for building confidence and control in your business finances.What you'll learn in this episode:

Ready to see how much cash is hiding in your business? Get your free Financial Health Check now: coltivar.com/check Financial Intelligence Toolkit Most business owners think they have a profit problem. What they really have is a cash flow problem. Steve breaks down the eight cash flow levers that actually control how much money stays in your business. He walks through the four levers tied to profit and the four tied to invested capital. He also explains the order to look at them and why so many profitable companies still run out of cash. If you are working hard, showing profit on paper, but still stressed about payroll or your line of credit, this will help you see where the squeeze is really coming from and what to fix first._______________________________________Disclaimer:The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information.Free Financial Health Check: coltivar.com/check LinkedIn | YouTube coltivar.com

This episode goes inside the realities of scaling a D2C brand.Yash Kalra, Founder of Goat Life, started his journey in Kota. Before crores in monthly revenue and national visibility, there were 80 plus offline events and constant product iteration.He joins Shantanu Deshpande and Aditya Sehgal, Founder, Asgard.world and Ex-President & COO, Reckitt, for a direct conversation on what it really takes to scale. They challenge assumptions, question positioning, and examine the shift from founder hustle to structured growth.Problems that we solve in this episode: - How should founders prioritise operations and capacity when demand spikes overnight?- As a content led brand scales, what must stay founder led to keep the voice authentic?- When does a niche brand know it has gone deep enough to expand wider into new categories?- If you are building a consumer brand and navigating growth decisions, this episode will sharpen your thinking.Navigate through the chapters and watch till the end00:00 Coming Up01:43 Introduction04:07 From GO OAT to Goat Life06:40 Products, Flavours & Packaging08:31 Sales Split Across Channels & AOV10:50 The “Ompi” Story × Shantanu12:14 Is GOAT LIFE Truly Just a Breakfast Company?13:42 SKU Mix: Assorted Packs vs. Singles14:57 Limited Drops Strategy19:16 How to Expand Your Product Range?22:01 Breakfast or Oats?23:39 The Growth Formula27:37 Go Wide or Go Deep?39:47 Why the Current Team Setup Is Breaking40:07 How to Build a Good Team and Culture?50:33 The 3-Bucket Org Structure (Brand, Sales, Product)01:01:19 Working Capital and Demand Shocks

In this episode of The Mobilization Mindset, Drew Aldridge talks with Natalia Zacharin of Zacharin Consulting about the financial foundation contractors need to scale.They break down the difference between bookkeeping, controllers, and CFO strategy, why profit does not equal cash, and the common financial blind spots that hold growing construction companies back.Topics include:• Where cash actually goes in a growing contractor• When to hire a bookkeeper, controller, or CFO• Labor profitability and pricing issues• Forecasting and financial visibility for growth• Preparing financials for financing or a future saleIf you want better control of cash, margins, and growth decisions, this episode explains how strong financial leadership creates options.Free resources as mentioned: https://zacharinconsulting.com/mobilization/Natalia's LinkedIn: https://www.linkedin.com/in/growyourbottomline/Zacharin Consulting Website: https://zacharinconsulting.com/Learn more: https://mobilizationfunding.com/Subscribe to the Mobilization Minute newsletter: https://mobilizationfunding.com/newsletter-subscriptions/

Working capital is under pressure from every direction – higher rates, longer supply chains, slower collections and stubborn volatility. In response, treasurers are looking again at how cards, trade and embedded payments can work together, rather than in silos, to release trapped cash and stabilise supplier relationships. But what does a genuinely integrated approach look like in practice?

In this episode of The Mobilization Mindset, Drew Aldridge sits down with Suzanne Bach of Saltmarsh Advisors to break down one of the most overlooked growth strategies in construction: accounting.This conversation makes one thing clear. Accounting is not a back-office function. It is a competitive advantage. They cover:• Cash vs. accrual tax accounting and why it can dramatically affect liquidity• The importance of accurate WIP schedules, retainage tracking, and job cost reporting• How tax planning, bonding capacity, and financial statements all work together• The real difference between compiled, reviewed, and audited statements• Why growth-focused contractors must prepare for audits before they need them• Common red flags that trigger IRS scrutinyWhether you are a smaller contractor scaling up or an established firm chasing larger bonded work, this episode highlights the financial infrastructure required to grow responsibly.Suzanne's LinkedIn: https://www.linkedin.com/in/suzanne-bach-cpa/Saltmarsh's Website: https://www.saltmarshadvisors.com/Learn more: https://mobilizationfunding.com/Subscribe to the Mobilization Minute newsletter: https://mobilizationfunding.com/newsletter-subscriptions/

When traditional cashflow lending tightens, liquidity doesn't always come from the usual places — sometimes lenders have to break companies into smaller, more financeable pieces.Carving out working capital assets, which involves isolating and valuing receivables and inventory in standalone structures, has emerged as a go-to strategy for borrowers looking to unlock incremental capital without refinancing their entire capital stack.On this episode of Cloud 9fin, Anna Russi speaks with Mitch Soiefer, partner and head of lender finance at SLR Capital Partners, to unpack how working capital assets are being carved out of traditional credit agreements to keep capital flowing, and why these structures tend to show up late in the credit cycle.Have any feedback? Send us a note at podcast@9fin.com — thanks for listening!

In this installment of the Sell Side Master Class, Ryan and Mike break down deal structure, the terms behind the headline enterprise value and why structure can matter as much as (or more than) price. They walk through the most common components of consideration in IT services M&A: cash at close, earnouts, seller notes, and rollover equity, including where each can create upside and where hidden risk lives. Mike explains why earnouts often get an unfair reputation, what “good” earnout design looks like, and why indexing to revenue is typically safer than profit. They also cover how seller notes work (and why they're subordinated to bank debt), what rollover equity really means in a PE-backed deal, and the “often missed” lever of working capital, including how sellers can accidentally leave money on the table without the right guidance. Tune in as we talk Deal Structures 101.DEAL STRUCTURES WE DISCUSS:Cash at close: The portion of the purchase price you receive when the deal closes. In the episode, this is framed as the most straightforward form of consideration and the “baseline” sellers compare other components against.Earnout: A contingent payment you can earn after closing if the business hits agreed performance targets. Mike explains that earnouts often work best when they're indexed higher on the P&L (commonly revenue, sometimes gross margin) and structured with a “lane” or prorated payout range instead of an all-or-nothing cliff. Example from the episode's concept: if revenue lands within a defined band around the forecast, you receive a proportional earnout payout.Seller note: Seller financing where the seller effectively becomes a lender to the buyer for part of the purchase price. The transcript describes this as the seller “acting like the bank,” typically with interest, and notes that it is usually subordinated to senior bank debt. Example conceptually: you receive part of the price over time as principal plus interest rather than all at close.Rollover equity: The seller reinvests a portion of proceeds into the new ownership structure, keeping equity in the business post-transaction. In the episode, this is discussed as the “second bite of the apple,” often seen in PE-backed deals where the seller participates in future upside at a later liquidity event.Working capital adjustment: A structural mechanism that sets a working capital “target” at close and adjusts the seller's proceeds up or down depending on whether the company delivers more or less working capital than agreed. The transcript emphasizes this as an often-overlooked lever and discusses that many owners are overcapitalized, meaning working capital can meaningfully impact what the seller takes home if negotiated correctly.Mixing structures to optimize EV and share risk: The episode repeatedly frames structure as a way to balance risk between buyer and seller and sometimes increase headline enterprise value. Example concept: a buyer may offer a higher total value if some portion is contingent (earnout) or deferred (seller note) versus paying the entire amount in cash at close. OTHER EPISODES IN THIS SERIES:Part 1. Knowing When It's Time to Sell: Listen now >>Part 2. Get Your House in Order: Listen now >>Part 3. Valuation Drivers: Listen now >>Part 4. What is my Take Home? Listen now >>Part 5. It Takes a Village. Listen now >>Part 6. The First 30 Days of a Process. Listen now >>Part 7. Finding the Right Buyer. Listen now >> Listen to Shoot the Moon on Apple Podcasts or Spotify.Buy, sell, or grow your tech-enabled services firm with Revenue Rocket.

Andrew Kurzrok connected with his seller over his manufacturing background, leading to a successful deal and transition.Topics in Andrew's interview:Background in science and national labsSpending all his time traveling for workWanting to stop traveling when his son was bornStudying management at YaleGaining management experience before searchingMaking a “no” listSuccess with cold calling business ownersPutting down 25% equityRegional moat of sheet metalHis “crawl, walk, run” approach to operationsReferences and how to contact Andrew:LinkedInHopewell Sheet Metal ManufacturingHeather Endresen's working capital webinar: Working Capital for SMB AcquisitionsGet complimentary due diligence on your acquisition's insurance & benefits program:Oberle Risk Strategies - Search Fund TeamWork with an SBA loan team focused exclusively on helping entrepreneurs buy businesses:Pioneer Capital AdvisoryGet a complimentary IT audit of your target business:Email Nick Akers at nick@inzotechnologies.com, and tell him you're a searcherConnect with Acquiring Minds:See past + future interviews on the YouTube channelConnect with host Will Smith on LinkedInFollow Will on TwitterEdited by Anton RohozovProduced by Pam Cameron

In this episode of The Mobilization Mindset, Scott Peper sits down with Meli Figueras, CEO of Coastal Painting & Concrete Restoration, for a candid, real-world conversation about leadership, cash flow, and what it truly takes to operate and scale a construction business.Meli shares her unexpected path into construction, bringing a corporate leadership background into an industry where execution, trust, and cash discipline matter more than titles or resumes. What followed was a fast education in job sites, schedules, retainage, payroll pressure, and the human reality behind every dollar spent before a dollar is ever collected.Together, Scott and Meli unpack the challenges contractors face every day, including:• Why construction cash flow works differently than most businesses and why jobs that look profitable on paper can still strain a company• The responsibility behind payroll and why protecting your team financially must come first• Lessons learned moving from corporate leadership into the field and onto active job sites• How misalignment between accounting and project management quietly creates cash problems• When walking away from a job is the smartest decision a leader can make• Why performance, trust, and consistency matter more than credentials in construction• The mindset shift required to grow responsibly without putting the business or people at riskThis episode offers a grounded look at construction leadership, from balancing relationships with general contractors to staying close to the field and building a culture rooted in accountability, communication, and financial discipline.Meli's LinkedIn: https://www.linkedin.com/in/melifigueres/Meli's Website: https://www.coastalpaintingfl.com/Learn more: https://mobilizationfunding.com/Subscribe to the Mobilization Minute newsletter: https://mobilizationfunding.com/newsletter-subscriptions/

Send us a textProfitable but stressed about cash flow? You're not alone.This episode is a short segment from Episode 102 of The Frustrated CEO Podcast, titled “Let's Get Practical.” In this focused clip, fractional CFO Brian Keyser joins Patrick and Patsy to explain why profitable businesses still struggle with cash flow—and what leaders can do right now to fix it.You'll hear a clear breakdown of profit vs. cash flow, how timing issues, poor forecasting, and bad financial datacreate cash shortages, and why even fast-growing companies can feel constantly cash-starved.In this practical cash flow segment, you'll learn how to:Free up trapped cashTighten accounts receivableImprove cash flow managementBuild simple cash flow forecasts that actually workReplace guesswork with financial clarityIf you're a CEO, founder, or small business owner dealing with cash flow problems despite being profitable on paper, this segment delivers actionable financial advice you can apply immediately. Strong cash flow fuels better decisions, stronger leadership, and healthier teams.

Ready to see how much cash is hiding in your business? Get your free Financial Health Check now: coltivar.com/check Financial Intelligence Toolkit Want more cash flow? This episode is for you.Steve breaks down why taking on more debt usually makes cash flow worse, not better. He shares a real example of a business that got buried by high-interest loans and explains how cash problems actually start much earlier than most owners think.You'll hear a simple way to change how you price and structure your offer so cash comes in sooner, instead of months later. This works whether you're in a tight spot today or just tired of feeling behind on cash.If payroll, vendors, or your line of credit are always in the back of your mind, this episode will hit close to home._______________________________________Disclaimer:The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information.LinkedIn | YouTube coltivar.com

In this special FAQ-style episode of The Mobilization Mindset, Scott Peper is joined by Mobilization Funding President Drew Aldridge to answer the most common questions they hear from business owners every single week.Drawing from thousands of conversations with contractors, executives, bankers, sureties, and high-performing companies, Scott and Drew break down what really separates businesses that scale from those that stay stuck. This is a fast-paced, candid conversation covering growth stages, leadership transitions, risk, performance, and the mindset shifts required to build a durable business.Together, they tackle questions like:What actually causes companies to stall at the same revenue year after yearHow growth from $1M to $5M differs from scaling $5M to $20MThe leadership habits founders must develop to let go and scaleWhich risks owners overestimate—and which ones quietly threaten their businessThe single most important thing an owner can start doing today to be more successful tomorrowThis episode is real talk, no fluff—grounded in experience, honest reflection, and practical insight. If you've ever wondered whether you're truly ready to grow, or what might be holding your business back, this FAQ episode will challenge how you think and how you lead.Learn more: https://mobilizationfunding.com/Subscribe to the Mobilization Minute newsletter: https://mobilizationfunding.com/newsletter-subscriptions/

A lot of manufacturing companies can build insanely complex and intricate things, but far fewer are set up to handle what happens once customers start buying. So, what happens when those products start selling at scale, contracts get longer, and customers get bigger?In this episode, we're joined by Chris Hale, CEO and Founder at Klear, to uncover a side of manufacturing that often gets overlooked: how money moves through industrial businesses.The conversation explores how money flows when deal cycles are long, customers are global, and planning starts to feel less like spreadsheets and more like a 3D chessboard. Trade finance sits underneath a lot of this activity, shaping how physical infrastructure gets built and how manufacturers grow.We also hear about Chris' experience touring in a band, and how this shaped the way he thinks about coordination, timing, and handoffs, ideas that show up repeatedly in how he approaches financial systems for manufacturers today.In this episode, find out:How Chris Hale moved from touring in a band to working in finance and building fintech tools for industrial companiesWhy trade finance underpins everything from shipping containers to large-scale infrastructure projectsWhat orchestration means in a manufacturing context, and why clean handoffs matterWhy managing money often becomes harder as companies grow and demand increasesHow global volatility, customer behaviour, and innovation shape financial decision-makingWhere financial visibility tends to break down inside fast-growing manufacturersWhy tying money directly to physical execution changes how companies scaleEnjoying the show? Please leave us a review here. Even one sentence helps. It's feedback from Manufacturing All-Stars like you that keeps us going!Tweetable Quotes:“Trade finance as an asset class is fascinating because it's how the world gets built through money. If you see a boat full of shipping containers, that boat is trade finance. If you see a data center being built, everything going into it is trade finance.”“The board keeps moving. You've got government customers, supply chain disruptions, strikes, geopolitics, and it becomes incredibly difficult to plan with confidence.”“Manufacturer are doing all this precision work, but when it comes to their money, they're doing dead reckoning. They're looking at the sun and guessing, and that's where things fall apart.”Links & mentions:Klear Inc., a payment and working capital infrastructure provider that's designed specifically for modern industrial companies. The platform helps manufacturers gain clearer visibility into cash flow, manage risk across long contracts, and better align financial operations with physical execution.

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Growth doesn't fail because of a lack of work. It fails when financial systems can't support it.In this episode we talk with Mobilization Funding's own, Drew Aldridge, who has spent years inside business banking and now works closely with construction leaders. He breaks down why commercial construction companies often face resistance from banks just as they begin to scale and how misunderstood cash flow dynamics create tension during credit approval and bank loan decisions.You'll hear: - Why growing construction firms appear higher risk to banks. - How retainage and pay when paid clauses distort cash flow visibility. - The difference between survival financing and readiness based financing. - Why customer concentration and project timing impact credit decisions. - How predictability and certainty support long term growth strategies.We also explore how Mobilization Funding changes the equation by removing labor materials and mobilization costs from working capital unlocking cash flow clarity and allowing construction leaders to scale with control and confidence.Learn more: https://mobilizationfunding.com/#commercialconstruction #constructionbusiness #growthstrategies

In corporate development and finance, the excitement of an acquisition often masks the underlying risks. Financial Due Diligence (FDD) is the structured investigation into a company's total financial health. It is the crucial "forensic" step that moves a deal from celebration to investigation, determining whether a transaction is a winning strategy or a multi-billion dollar mistake.The 5 Pillars of Financial Due DiligenceTo assess risk and validate value, finance teams focus on five critical areas in the financial data room:1. Quality of Earnings (QoE)This is the bedrock of FDD. It separates "accounting profits" from repeatable, sustainable core performance. Teams look for Normalization Adjustments, stripping away one-time legal settlements or non-market salaries to find the true Adjusted EBITDA.2. Revenue and Customer AnalysisHigh revenue numbers can be deceiving. Analysts dig into:Customer Concentration Risk: If one customer accounts for 40% of revenue, the valuation must be discounted due to instability.Churn Rates: Understanding why customers leave and how long they stay.Revenue Quality: Differentiating between recurring contracts and one-time projects.3. Working Capital and Cash Flow HealthThis pillar determines if paper profits convert to usable cash. Red flags include:Accounts Receivable Aging: Customers paying slower and slower, masking potential bad debt.Inventory Turnover: Massive buildups that suck cash out of the business without guaranteed future sales.4. Debt and Off-Balance Sheet ItemsLurking "landmines" can blow up deal economics. Analysts search for:Pending litigation or unknown tax exposures.Underfunded pension liabilities.Environmental cleanup costs.5. Forecast AssessmentEvery target company presents a "conservative" growth story. FDD stress-tests these assumptions by modeling the unit economics (e.g., Customer Acquisition Cost vs. Lifetime Value) and building conservative "downside" scenarios.The Role of FP&A: The Bridge to IntegrationIf you are in FP&A, your role is pivotal. You are the bridge between historical numbers and the forward-looking plan. Your team must:Tear apart growth claims: If a company claims 20% growth, what is the required hiring plan and CapEx?Scrutinize Synergies: Cost synergies (office closures) are reliable; revenue synergies (cross-selling) are highly speculative and should be heavily discounted in models.Final Strategic ThoughtFDD is not a box-checking exercise; it is the firewall that protects shareholder value. Master it by prioritizing the Quality of Earnings and never letting deal enthusiasm override forensic investigation.

Ready to see how much cash is hiding in your business? Get your free Financial Health Check now: coltivar.com/check Why do profitable businesses still run out of cash? In this episode, Steve breaks down why cash flow, not revenue or profit, is what actually keeps a business alive. He explains what free cash flow really is, why most owners misunderstand it, and how bad strategy, poor measurement, and the wrong priorities quietly drain cash. If you're tired of stressing about payroll, lines of credit, or where the money went, this episode will change how you think about your business._______________________________________Disclaimer:The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information.LinkedIn | YouTube coltivar.com

Host Brian Walsh takes up ImpactAlpha's top stories with editor David Bank. Up this week: Impact investors chart a path for Latin America after the US capture of Venezuelan President Nicolás Maduro. Why working capital might be the biggest barrier for next-gen fund managers (6:15). And, why some insurers are looking for new risk transfer tools in the face of accelerating climate impacts (13:20).“Now what? Like Venezuela, Latin American fund managers start to map a way forward,” by Erik Stein, Amy Cortese and David Bank. “Working capital is the missing link for next-gen managers,” by Regina Green and Sabrina Bainbridge.“Innovations in 'risk transfer' for climate-vulnerable communities” by ImpactAlpha contributor Taylor Kate Brown.

Host Brian Walsh takes up ImpactAlpha's top stories with editor David Bank. Up this week: Impact investors chart a path for Latin America after the US capture of Venezuelan President Nicolás Maduro. Why working capital might be the biggest barrier for next-gen fund managers (6:15). And, why some insurers are looking for new risk transfer tools in the face of accelerating climate impacts (13:20).“⁠Now what? Like Venezuela, Latin American fund managers start to map a way forward⁠,” by Erik Stein, Amy Cortese and David Bank. “⁠Working capital is the missing link for next-gen managers⁠,” by Regina Green and Sabrina Bainbridge.“⁠Innovations in 'risk transfer' for climate-vulnerable communities⁠” by ImpactAlpha contributor Taylor Kate Brown.

Are you choosing the right debt for your growth, or is your Business Line of Credit vs Term Loan decision actually a trap? Understanding the Business Line of Credit vs Term Loan difference is the only way to protect your profit in a shifting market. This guide reveals how a Business Line of Credit vs Term Loan affects your monthly cash flow.Many entrepreneurs struggle to scale because they don't understand the "hidden" rules of bank lending. Whether you are a restaurant owner looking for Business Equipment Financing 2025 or a founder needing Working Capital for Small Business, the math has to work before you apply.In this episode, we pull back the curtain on the banking world to show you:✅ How to pass a Cash Flow Analysis so you never get a "No" from an underwriter again ✅ The real-world difference between an Amortized Loan vs Line of Credit and why it matters for your 5-year plan ✅ Why Line of Credit Interest Rates 2025 are trending down and how to leverage the Prime Rate Index ✅ The truth about Equipment Loans for Restaurants and how to replenish your savings after a major purchase ✅ A critical look at Variable Rate Business Loan Risks and how the Feds' next move impacts your payment ✅ The legal reality of the Personal Guarantee for Business Credit cards and how to protect your personal assets ✅ Why Bank Underwriting for Business Loans requires exactly two years of tax returns and a clean P&LStop guessing with your capital. We break down the exact margins banks charge (like the 1.5% margin over prime) so you can walk into your next meeting with total confidence.

How can treasurers manage the impact of continuing uncertainty and re-alignment in the trade space? Barclays' Jaya Vohra, Global Head of Trade and Working Capital, and Michaël Hache, Head of Trade Finance, Export Finance, Working Capital, France & Benelux, investigate the options and opportunities.

This episode is brought to you by ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Oberle Risk Strategies⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠: Insurance Broker and Insurance Due Diligence Provider for Search Funds and Other Small-to-Medium-Sized Businesses⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ *This episode is brought to you by ⁠⁠⁠⁠B⁠⁠⁠⁠⁠⁠⁠⁠⁠oulay, the industry standard for Quality of Earnings, tax, and audit services, serving search fund entrepreneurs for 20+ years⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠*The Working Capital Adjustment is part of substantially every M&A transaction, yet it is the calculation (and concept) with which most business owners remain largely unfamiliar. Without a proper understanding of what the working capital adjustment is, why it's necessary, and ways in which it can be manipulated, business owners risk leaving a lot of money on the table when dealing with a more sophisticated and experienced counterpart (even AFTER the sale of their business is already complete). If you don't like the idea of having to wire money back to your buyer after they've wired you the money to purchase your company, then this episode is for you.

If you're trying to scale your business without burning cash flow, this episode breaks down how entrepreneurs are getting access to up to $250K in working capital at 0% interest — and what you need to qualify. Giovanni Kisesa lays out the fundamentals of business credit, why it beats using personal credit, and the exact metrics lenders care about.What's in it for you: a clearer path to securing large, low-interest capital so you can invest, hire, or expand — without putting your personal credit on the line. Make sure to check TTP training program for more REI tips.---------Show notes:(0:57) Beginning of today's episode(1:30) Working capital(5:15) Debt to income (8:00) Benefits of business credit vs personal credit(18:16) Who can qualify for this?(18:24) 700+ credit score(20:15) Average people to get approved(24:34) Collections vs late payments----------Resources:Swift Line CapitalFollow Gio on InstagramTo speak with Brent or one of our other expert coaches call (281) 835-4201 or schedule your free discovery call here to learn about our mentorship programs and become part of the TribeGo to Wholesalingincgroup.com to become part of one of the fastest growing Facebook communities in the Wholesaling space. Get all of your burning Wholesaling questions answered, gain access to JV partnerships, and connect with other "success minded" Rhinos in the community.It's 100% free to join. The opportunities in this community are endless, what are you waiting for?

Hello, listeners, and welcome back to First Principles, Episode 48, or the 7th episode of season 3. This is part 2 of the conversation.The host, Rohin Dharmakumar, first crossed paths with Deepak Abbot back in April 2015, even before The Ken had been founded. Rohin was chasing down an insightful breakdown of the tech ecosystem's huge user numbers during the Free Basics debate, and Deepak, a veteran operator and former product head at Paytm, was the go-to source for his data-filled, analytical posts.That same data-driven curiosity is what led Deepak to walk away from corporate life in 2019. He was clear: he didn't want to just manage; he had years left to actively "build products, you know, with my own hands". What he built was Indiagold, targeting the massive opportunity of gold in a market VCs often dismissed as an 'old economy product'.In this episode, Rohin sat down with Deepak Abbot, co-founder of Indiagold, to discuss how they are transforming India's massive $1.5 trillion gold reserve—an asset often locked away and doing nothing—into a productive force. Deepak calls this gold a "dead asset" and explains that Indiagold's mission is to change the mindset around it. They are not just giving gold loans; they are monetising a secured asset for the 250 million Indians who are excluded from formal credit due to thin or non-existent credit scores. By enabling customers to safely leverage their gold reserve, the company helps jumpstart a formal credit history and provides essential working capital.Listen in as Deepak charts his operator-to-founder journey, shares how he navigated initial VC skepticism, and details the strategy behind turning a seemingly archaic commodity into a modern fintech solution for one of India's most fundamental credit problems. Plus, a fascinating look inside a unique company culture, including why Indiagold operates without a CEO.*****This episode was mixed and mastered by Rajiv CN.Write to us at fp@the-ken.com with your feedback, suggestions, and guests you would want to see on First Principles.If you enjoyed this episode, please help us spread the word by sharing and gifting it to your friends and family.***** Join The Ken as a Podcast Producer and work with India's most ambitious storytellers! We're creating a podcast about India's biggest companies, with each episode backed by weeks of deep research. You'll lead the workflows that turn that research into exceptional narratives and bring the show to listeners around the world. Join us to help shape something exceptional. Check out the details and apply here. 

Hello, listeners, and welcome back to First Principles, Episode 48, or the 7th episode of season 3. This is part 1 of the conversation.The host, Rohin Dharmakumar, first crossed paths with Deepak Abbot back in April 2015, even before The Ken had been founded. Rohin was chasing down an insightful breakdown of the tech ecosystem's huge user numbers during the Free Basics debate, and Deepak, a veteran operator and former product head at Paytm, was the go-to source for his data-filled, analytical posts.That same data-driven curiosity is what led Deepak to walk away from corporate life in 2019. He was clear: he didn't want to just manage; he had years left to actively "build products, you know, with my own hands". What he built was Indiagold, targeting the massive opportunity of gold in a market VCs often dismissed as an 'old economy product'.In this episode, Rohin sat down with Deepak Abbot, co-founder of Indiagold, to discuss how they are transforming India's massive $1.5 trillion gold reserve—an asset often locked away and doing nothing—into a productive force. Deepak calls this gold a "dead asset" and explains that Indiagold's mission is to change the mindset around it. They are not just giving gold loans; they are monetising a secured asset for the 250 million Indians who are excluded from formal credit due to thin or non-existent credit scores. By enabling customers to safely leverage their gold reserve, the company helps jumpstart a formal credit history and provides essential working capital.Listen in as Deepak charts his operator-to-founder journey, shares how he navigated initial VC skepticism, and details the strategy behind turning a seemingly archaic commodity into a modern fintech solution for one of India's most fundamental credit problems. Plus, a fascinating look inside a unique company culture, including why Indiagold operates without a CEO.*****This episode was mixed and mastered by Rajiv CN.Write to us at fp@the-ken.com with your feedback, suggestions, and guests you would want to see on First Principles.If you enjoyed this episode, please help us spread the word by sharing and gifting it to your friends and family.*****

Traditional AR and AP finance is no longer enough. With evolving disclosure requirements, tariff pressures, and increasing supplier expectations, treasurers must deliver liquidity and visibility with fewer resources while managing heavier supplier demands. In this episode, Sean VanGundy and Jeremy Reedus join Craig Jeffery from Strategic Treasurer and Michel Abranches from Monkey Tech (Money is Key) to explore how working capital 2.0 helps treasurers move beyond one-size-fits-all programs. They discuss how hybrid approaches, such as auction-based supplier financing for lower rates alongside automated dynamic discounting, can optimize AR and AP, strengthen supplier adoption, and deliver measurable EBITDA impact. The conversation also highlights how real-time visibility gives treasurers a true decision cockpit and how removing the lift of supplier onboarding and support enables higher participation and improved governance. https://www.monkeytech.com/

Learn how to build business credit fast and access capital without destroying your personal credit Build business credit fast and unlock funding opportunities most entrepreneurs never discover—that's exactly what you'll learn in this game-changing episode with Ty Crandall, who runs the world's largest business credit coaching operation. Charles Gaudet and Ty dive deep into the critical mistakes business owners make when funding their companies, revealing why the worst time to seek money is when you actually need it. Ty shares his proven "3 C's Formula" (Cashflow, Credit, Collateral) that has helped thousands of businesses access over $30 million in funding monthly, and you'll discover how to separate your personal finances from business liability, build a fundable business credit profile from scratch, and tap into funding options ranging from $160K in 0% interest credit cards to 4% EIDL loans with 30-year terms. Ty Crandall is a military veteran, world-renowned business credit and financing expert, and successful entrepreneur who has transformed personal tragedy into a mission of service. As the author of two best-selling books on consumer and commercial credit, Ty is also a high-level business coach who helps entrepreneurs scale to 8-figures and beyond, and an international speaking sensation. After losing everything during the 2008 financial crisis—including his mortgage company, personal assets, and even resorting to passing bad checks to keep electricity on for his pregnant wife—Ty rebuilt from ground zero with a fundamental shift in purpose. His painful experience drives his commitment to educating business owners on building fundable companies while protecting their personal assets, making Credit Suite the go-to resource for entrepreneurs seeking capital access at favorable terms without personal guarantees. KEY TAKEAWAYS: The worst time to ask for money is when you actually need it—entrepreneurs should prepare and secure revolving credit lines before cash flow problems arise. Business owners should double their estimated startup costs and timelines, as ventures typically take twice as long and cost twice as much as anticipated. Building business credit is separate from personal credit and should begin the moment you start your business to avoid personal liability and guarantee requirements. The "3 C's Formula" determines funding eligibility: Cashflow, Credit, and Collateral—if you have all three, you qualify for SBA loans; if you have one strength, focus on lenders specializing in that category. Unlike personal credit, business credit scores (like Paydex) are based solely on payment history, inquiries don't hurt your score, and 90% of vendors don't report unless you're intentional about it. Entrepreneurs should stock up on revolving credit whenever available and when terms are favorable, even if they don't need it immediately, to prepare for economic downturns or unexpected opportunities. Alternative funding options beyond traditional banks include merchant cash advances, credit card stacking ($160K at 0% for 18 months), asset-based lending (stocks, 401Ks, cryptocurrency), and EIDL disaster loans at 4% for 30 years. Using brokers instead of going directly to lenders provides access to more funding options, better negotiating power, and often costs nothing extra since lenders pay referral fees to brokers. Link's mentioned in the episode: creditsuite.com/blueprint https://www.linkedin.com/in/tycrandall Growing your business is hard, but it doesn't have to be. In this podcast, we will be discussing top level strategies for both growing and expanding your business beyond seven figures. The show will feature a mix of pure content and expert interviews to present key concepts and fundamental topics in a variety of different formats. We believe that this format will enable our listeners to learn the most from the show, implement more in their businesses, and get real value out of the podcast. Enjoy the show. Please remember to rate, review and subscribe to the podcast so you don't miss any future episodes. Your support and reviews are important and help us to grow and improve the show. Follow Charles Gaudet and Predictable Profits on Social Media: Facebook: facebook.com/PredictableProfits Instagram: instagram.com/predictableprofits Twitter: twitter.com/charlesgaudet LinkedIn: linkedin.com/in/charlesgaudet Visit Charles Gaudet's Wesbites:  www.PredictableProfits.com www.predictableprofits.com/community  

What You'll Learn:In this episode, host Catherine McDonald and guest Evan Powell discuss the critical importance of inventory management in businesses. They emphasize that inventory management is not a one-size-fits-all approach and requires dynamic, cross-functional collaboration. Evan highlights common misconceptions, such as viewing inventory as a set-and-forget system and relying solely on software or AI.About the Guest:Evan Powell is an operations and supply chain professional dedicated to optimizing processes, reducing waste, and improving performance. With a proven track record of delivering measurable cost savings, increased productivity, and enhanced customer satisfaction, he brings a practical, cross-functional problem-solving approach. Evan's expertise spans end-to-end supply chain management, including process optimization, lean manufacturing, inventory management, demand planning, logistics, vendor management, and continuous improvement. All with a focus on achieving real-world impact.Links:Click Here For Evan Powell's LinkedInEvan Powell's Website