Articles tagged "cashflow"
16 articles
The Hidden Drain: 5 Ways Nigerian SMEs Lose Cash Without Noticing
Most Nigerian SMEs do not fail because sales are low. They fail because cash quietly leaks out every day. These …
The Joint Revenue Board: How Your NIN, BVN, and Tax ID Are Now Linked
A founder recently shared a story that sounds familiar. His bank account was active. His BVN was valid. His NIN …
VAT Fiscalisation Explained: Why Your Business Needs Automated E-Invoicing Today
It is 9:07 a.m. Your accountant messages you in a panic. Yesterday’s invoice was rejected by the tax authority. The …
FIRS to NRS Transition: What Every Nigerian Founder Must Fix
At first glance, it feels like a simple name change. FIRS out. NRS in. But for founders, finance leads, and …
The “Agency” Dilemma: Managing Project-Based Finances vs. Recurring Revenue
For agencies, money often arrives unpredictably. Some months, multiple projects land at once, and cash flows in like a river. …
Bootstrapping Smart: Stretching Your Seed Capital in Lagos
Bootstrapping in Lagos is not for the careless. Rents rise suddenly. Exchange rates shift overnight. Power, logistics, and staffing costs …
Predictive Finance: Using AI to See Your Bank Balance 3 Months from Now
Most people only realize there is a money problem when their balance drops. Bills hit, payments are delayed, and suddenly …
Excel Is Not Enough: Why Spreadsheets Can’t Handle 2025 Complexity
In 2025, Excel is not enough to manage real-time finance, forecasting, and decision-making. Excel built modern business finance. Excel is …
How Much Cash Runway Does a Nigerian SME Actually Need?
Most small businesses do not fail because of bad ideas. They fail because something unexpected happens fuel prices rise, a …
Fuel Subsidy Removal: Re-calculating Your Operating Costs for 2025
Fuel used to be a background cost. Now it is a line item that affects almost everything. Since fuel subsidy …
Expense Cutting 2.0: Identifying “Zombie Subscriptions” Eating Your Reserves
You cut staff costs. You reduced marketing spend. You negotiated rent. Yet cash still feels tight. For many businesses, the …
Cash Flow vs Profit: Why You Can Be “Profitable” but Still Broke
The numbers looked good. Revenue was growing. The profit line was positive. The business owner felt confident, until rent was …
Pricing Power: How to Raise Prices in Inflation Without Losing Customers
Inflation does not announce itself politely. One month your costs are stable. The next month, suppliers adjust prices “due to …
How to Manage Cash Sales, Cash Expenses, and Keep Clean Records
Cash can feel simple. No payment processors, no delays, no fees. But cash is also where many businesses quietly lose …
How to Stay Profitable During an Economic Downturn
Economic downturns are tough. Sales slow, costs rise, and uncertainty looms. Many businesses struggle to survive, while others not only …
How to Conduct a Financial Health Check on Your Business in 10 Minutes
Most founders want to understand the financial health of their business but rarely have the time for long reports. A …