Podcasts about Working capital

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.

Send us a text

Send us a text

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.

Arturo Préstamo Elizondo, Executive Chairman and CEO of Santacruz Silver Mining Ltd. (TSXV: SCZ) (OTCQX: SCZMF) (FSE: 1SZ), joins me to reiterate their decision to uplist onto the Nasdaq exchange in the US in early 2026, and to delve into the details of Q3 2025 financial and operational results across their portfolio of producing mines in Bolivia and Mexico.   On October 28th, the Company announced that it has applied to list its common shares on the Nasdaq Capital Market (NASDAQ); as a significant milestone in Santacruz's growth strategy. We discussed how a big board US listing will increase transparency and liquidity to an expanded American shareholder base, and he explains the rationale for going with the NASDAQ over the NYSE. Santacruz Silver paid off their loan to Glencore in September, and is generating record revenues at current metals prices; so they are in a totally different financial position than a pre-revenue junior resource stock that goes through a share consolidation. The only real change will be a higher share price and a reduced number of outstanding shares post-consolidation, simply to meet the NASDAQ listing requirements.   Q3 2025 Highlights (noted in US dollars)   Revenues of $79.99 million, a 2% increase year-over-year. Gross Profit of $20.17 million, a 28% increase year-over-year. Net Income of $16.34 million, a 7% decrease year-over-year. Adjusted EBITDA of $19.51 million, a 67% increase year-over-year. Cash & Marketable securities of $59.23 million, a 225% increase year-over-year. Working Capital of $69.20 million, a 186% increase year-over-year. AISC per silver equivalent ounce sold of $35.62, a 30% increase year-over-year.  This increased AISC was temporary for this quarter due to brief change currency FX exchange rates, Bolivar dewatering initiatives and reduces production in the quarter, and the development investment at the 960 level at Zimapan. Silver Equivalent Ounces produced of 3,424,817, a 30% increase year-over-year.   Arturo guides us through a comprehensive review of all their producing operations starting off addressing how Q3 captured the largest impacts of the water inflow event that first occurred at the Bolívar Mine in May 2025. Since then, their operations team has strengthened the pumping system at Bolívar, with the fourth line commissioned in September and then the installation of a fifth submersible line in Q4; which together have increased total pumping capacity to 340 liters per second (l/s). These improvements are facilitating the gradual dewatering and recovery of the affected zones in the Bolívar mine and production is ongoing. The Company expects production from the high-grade Pomabamba and Nané vein areas at Bolívar to resume in February 2026 and ramp up steadily through the remainder of the year.   Next we reviewed the strategic importance of the small but high-margin Porco Mine, giving the company a foothold and good visibility to the Potosi mining district.  Then rounding out the review of Bolivian assets, we moved over to the low-cost Caballo Blanco Group of mines and the high-margin San Lucas Group Lucas feed sourcing business (which now includes ore blended from the Reserva Mine). Arturo highlights how the San Lucas metals sales helped offset the lower silver production at the Bolívar Mine in Q3, and will do so again in Q4, providing a great defensive and growing asset inside their portfolio.   In Mexico, Zimapán continued to deliver stable production, reflecting consistent plant throughput and recoveries. Part of the reason for higher costs in Q2 and Q3 have been all the equipment and development work invested this year into accessing the higher-grade 960 Level at the Zimapan Mine.   This 960 Level is starting to contribute more in the latter part of the Q4 production profile from Zimapan, but will be more significant in Q1 of 2026 and beyond, with capital investment coming down, and grade and metal recoveries going up.    Wrapping up we looked ahead to 2026 and discussed future growth through exploration around current mines, the development of the Soracaya Project, and the potential for future accretive acquisitions in the Americas.   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.    

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?

Resilience in global trade has moved beyond a defensive strategy. In an era defined by tariffs, technological developments, and shifting patterns of economic growth, it is now integral to sustainable expansion and long-term competitiveness across global supply chains.  In the debut episode of Trade Finance Global's (TFG) new five-part podcast series, Future of Trade with Standard Chartered, TFG's Mark Abrams sat down with Sofia Hammoucha, Global Head of Trade and Working Capital at Standard Chartered.

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  

Ever wonder how a profitable company can suddenly face bankruptcy? The answer lies in Working Capital Management (WCM). In this episode of Corporate Finance Explained on FinPod, we delve beyond profit margins to examine the daily cash battle that determines a company's survival and growth.We unpack the paradox of being "paper rich, cash poor" and reveal how WCM masters, such as Apple and Walmart, have turned liquidity into a competitive weapon, while others have learned the hard way that neglecting cash flow can destroy value.This episode covers:The WCM Paradox: Understanding the critical difference between long-term profit and short-term liquidity, and how a broken Cash Conversion Cycle (CCC) can lead to failure.Strategic Mastery: How companies achieve strategic negative working capital by using market leverage to get cash from customers instantly while stretching payments to suppliers (effectively an interest-free loan from the supply chain).Lessons from Failure: The stark warning from Kraft Heinz, where a WCM breakdown—bloated inventory and slow receivables—led directly to a painful dividend cut, showing WCM discipline is not optional.The Finance Playbook: Five core strategies every professional must champion to weaponize WCM, including tightening Accounts Receivable terms, centralizing cash with Treasury Management, and using AI for demand forecasting.Critical Ratios: The importance of stress testing your short-term resilience and knowing key ratios that signal liquidity risk long before the crisis hits.

Lockboxes promise price certainty—but the clock can quietly shift value. In this episode, Mike and Ryan break down how a lockbox differs from a classic cash-free/debt-free (CF/DF) deal: fixed price as of a “lockbox date,” no post-close true-up, and a tight definition of permitted vs. non-permitted leakage. They discuss when lockboxes shine (fast closings, cleaner accounting, fewer surprises) and where sellers need to be careful (growth between lockbox date and close often accrues to the buyer). You'll get apples-to-apples comparison tips for evaluating offers, what to watch in tax escrows, and a practical way to translate excess working capital into headline price. If you've ever wrestled with working capital adjustments or wanted a cleaner close, this one's your field guide.Seller checklist:Nail down the lockbox date and permitted leakage list.Quantify excess working capital and reflect it in price.Set a close timeline—faster is safer for sellers.Align on tax items and escrow triggers.Ensure every CF/DF vs. lockbox offer is compared on the same basis. RELATED EPISODES: Episode 154: What will be your take home portion of the deal? Listen now >>Episode 123: Understanding Cash Free Debt Free in M&A Transactions. Listen now >>Episode 100: Looking back at 100 Episodes and Narrowing in on Working Capital. Listen now >>Episode 94: Navigating Undisclosed Liabilities Before, During, and After Close. Listen now >>  Listen to Shoot the Moon on Apple Podcasts or Spotify.Buy, sell, or grow your tech-enabled services firm with Revenue Rocket.

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

TakeawaysTight supply and credit are major issues in the coffee industry.Working capital is crucial for navigating market fluctuations.Coffee prices have significantly increased over the past few years.Tariffs and hedging costs are adding financial pressure on importers.Supply chain issues are exacerbating the crisis in the coffee market.Roasters need to protect their credit lines during tough times.Communication with suppliers and banks is essential for maintaining credit.The market's uncertainty is likely to persist in the near future.Strategic planning is necessary for roasters to adapt to changing conditions.Understanding the macroeconomic factors affecting coffee prices is vital.   Part of The Exchange Coffee Podcasting Network TAKE OUR LISTENER SURVEY Visit and Explore Covoya!

This is Part 7 of Steve Coughran's book Building Margin. Steve reframes growth as a margin-first, systems-led discipline—not a volume push. He shows how to set a safe growth ceiling with ROIC, say no to low-value work, install simple systems to scale, and keep growth aligned with purpose so the business gets stronger, not just bigger.LinkedIn | YouTube coltivar.com

This is Part 3 of Steve Coughran's book Building Margin. Steve unpacks the margin crisis, showing how it creeps in quietly through strategic drift, profit erosion, and liquidity crunch. He explains why top-line growth can hide real problems, why confusion is more costly than competition, and how clarity and alignment are the foundation for protecting profit and cash flow.LinkedIn | YouTube coltivar.com

This is Part 9 of Steve Coughran's book Cash Flow. Steve introduces the fifth lever of cash flow: capital. He explains why EBITDA isn't cash flow, how invested capital and ROIC reveal whether a business is creating or destroying value, and the hidden cash traps in receivables, inventory, and CapEx that often strangle growth.LinkedIn | YouTube coltivar.com

This is Part 12 of Steve Coughran's book Cash Flow. Steve introduces the Cash Flow Scorecard—a simple framework to diagnose where your business is leaking cash across the seven key levers. By scoring each area, you can pinpoint constraints, prioritize fixes, and build a roadmap for stronger free cash flow and long-term value.LinkedIn | YouTube coltivar.com

This is Part 13 of Steve Coughran's book Cash Flow. Steve introduces the Cash Flow Playbook—a step-by-step plan to apply the seven levers, use the scorecard, and build a resilient, cash-generating business. He shows how to prioritize the right levers, implement changes, track progress, and create a company that thrives in any economy.LinkedIn | YouTube coltivar.com

This is Part 14 of Steve Coughran's book Cash Flow. In the conclusion, Steve shares the personal lessons and turning points that shaped his obsession with cash flow. He emphasizes why business leaders have a fiduciary duty to master it, how cash flow fuels stability, growth, and community impact, and why discipline—not just profit—ultimately determines whether a business thrives or fails.LinkedIn | YouTube coltivar.com

This is Part 3 of Steve Coughran's book Building Margin. In this section, Steve unpacks the margin crisis, showing how it creeps in quietly through strategic drift, profit erosion, and liquidity crunch. He explains why top-line growth can hide real problems, why confusion is more costly than competition, and how clarity and alignment are the foundation for protecting profit and cash flow.Win a free custom KPI Dashboard for your business. Apply now before the September 10th drawing: coltivar.com/kpisLinkedIn | YouTube coltivar.com

This is Part 7 of Steve Coughran's book Building Margin. Steve reframes growth as a margin-first, systems-led discipline—not a volume push. He shows how to set a safe growth ceiling with ROIC, say no to low-value work, install simple systems to scale, and keep growth aligned with purpose so the business gets stronger, not just bigger.Win a free custom KPI Dashboard for your business. Apply now before the September 10th drawing: coltivar.com/kpisLinkedIn | YouTube coltivar.com

This is Part 9 of Steve Coughran's book Cash Flow. In this section, Steve introduces the fifth lever of cash flow: capital. He explains why EBITDA isn't cash flow, how invested capital and ROIC reveal whether a business is creating or destroying value, and the hidden cash traps in receivables, inventory, and CapEx that often strangle growth.LinkedIn | YouTube coltivar.com/byfiq

This is Part 12 of Steve Coughran's book Cash Flow. In this section, Steve introduces the Cashflow Scorecard—a simple framework to diagnose where your business is leaking cash across the seven key levers. By scoring each area, you can pinpoint constraints, prioritize fixes, and build a roadmap for stronger free cash flow and long-term value.LinkedIn | YouTube coltivar.com/byfiq

This is Part 13 of Steve Coughran's book Cash Flow. In this section, Steve introduces the Cash Flow Playbook—a step-by-step plan to apply the seven levers, use the scorecard, and build a resilient, cash-generating business. He shows how to prioritize the right levers, implement changes, track progress, and create a company that thrives in any economy.LinkedIn | YouTube coltivar.com/byfiq

This is Part 14 of Steve Coughran's book Cash Flow. In the conclusion, Steve shares the personal lessons and turning points that shaped his obsession with cash flow. He emphasizes why business leaders have a fiduciary duty to master it, how cash flow fuels stability, growth, and community impact, and why discipline—not just profit—ultimately determines whether a business thrives or fails.LinkedIn | YouTube coltivar.com/byfiq

In this episode of Confessions of a B2B Entrepreneur, Jeff Rudner, host of 5 to 50: Financial Strategies for Growing Companies, interviews Tom Hunt, Founder and CEO of Fame, to reveal how he built a B2B podcast agency to £4M ARR without external funding. Tom shares lessons from 17 previous business attempts, emphasizing the critical role of financial discipline and the power of hyper-focus on core services. Discover his unique risk assessment framework, practical EOS implementation, and the vital role of culture in scaling. This episode delivers actionable strategies on cash flow, profitability, operational efficiency, and team incentives, demonstrating why doing less exceptionally well is the key to lasting growth.

Register for the webinar:Working Capital for SMB Acquisitions - TODAY - https://bit.ly/4kQcGGjAt a low point in life, Raj Kankaria was served papers. But he liked the business and bought a process-serving company. Topics in Raj's interview:From investment banking to process serverWhat he liked about process servingBuying the company from his bossBuilding industry relationshipsWhat TV gets wrong about process servingTechnology in process servingMaking changes on day oneCommunicating unpopular changes to employeesTrading a high salary for ownershipVision for business growthReferences and how to contact Raj:LinkedInLone Star Attorney ServiceGet a free review of your books & financial ops from System Six (a $500 value):Book a call with Tim or hello@systemsix.com and mention Acquiring MindsLearn more about Walker Deibel's done-with-you buy-side advisory:The Acquisition LabWork with an SBA loan team focused exclusively on helping entrepreneurs buy businesses:Pioneer Capital AdvisoryConnect 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

  Craig Jeffery speaks with Leo Gil of Bottomline Technologies about how treasurers can lead through economic volatility. From improving real-time cash visibility to leveraging technology and scenario planning, Leo outlines how treasury teams can shift from operational support to strategic leadership. Discover key pillars for effective liquidity management and navigating risk with confidence.