Blogs

Insights for Founders and Financial Leaders

Every growing business faces financial decisions that shape its future. Our blog is a place where we share practical insights on financial operations, accounting, and the systems that help companies scale. Here, founders and finance teams can learn how to gain clarity in their numbers, strengthen their financial foundation, and make smarter decisions as their businesses grow.

Get in touch
Book a call
A founder and an advisor reviewing a line chart on a laptop and printed charts on a desk.

Net 90 Payment Terms Are a Loan to the Retailer

Net 90 payment terms are an interest-free loan to the retailer. Price the extra AR days and carrying cost before Sales agrees to the change.
View blog
A brand founder presenting a product sample to a retail buyer across a table covered with samples and printed sheets.

Fund Your First Retail PO With a 13 Week Cash Flow

A first national retail PO creates a cash gap. Build a 13 week cash flow to plan slotting fees, production, freight, and payment terms first.
View blog
A wide grocery store aisle after closing, with stocked shelves on both sides and a wooden display in the center.

Why Trade Deductions From a 10% MCB Are Not 10% of the Case Price

Trade deductions from a 10% manufacturer chargeback are not 10% of your case price, because the percent is on the distributor's price to the retailer.
View blog
A founder at a bright window desk working through figures on a calculator beside a laptop and papers.

Gross-to-Net Without the Distributor Mythology

A practical gross-to-net walkthrough for mid-market CPG brands selling through UNFI or KeHE, and what you actually keep from each invoice.
View blog
Hands taping a shipping box, a reminder that fulfillment costs shape contribution margin after ads

Contribution Margin After Ads: When CAC, Churn, and Shipping Break Growth

Contribution margin after ads is the scoreboard when CAC rises, churn climbs, and shipping gets more expensive. Three gates so growth does not quietly erase cash.
View blog
A holiday display shelf with Santa jars and frosted mini trees in a lit shop.

Q4 Load-In Cash: How CPG Brands Protect Margins When Inventory Hits Before Revenue

Q4 load-in means paying the co-man and freight before retailers pay. Here's how to plan the cash gap so inventory financing doesn't eat your margin.
View blog
A founder at her desk working on a laptop beside her essential-oil product samples and a diffuser.

Inventory Management in CPG: Fix Cash Pressure as You Scale

Inventory management in CPG is really a cash timing problem. Ease the pressure: tier your SKUs, cap days of inventory, and time POs to when you get paid.
View blog
Marketing team planning a customer acquisition budget at a wall of sticky notes

How to Budget for Customer Acquisition Cost (CAC)

Setting a CAC budget is one of the most important financial decisions for a growing brand. Learn the most common frameworks companies use. From LTV ratios to payback periods, and how to balance growth with financial discipline.
View blog
Person reviewing handwritten financial notes beside laptops while checking a profit and loss statement

5 Ways Your Profit and Loss Statement Is Lying to You

P&L stands for profit and loss. A P&L statement can show a profit while cash is tight. Here are five timing and cost gaps behind that and how to fix them.
View blog