I thought I understood my finances until I took this course. Turns out I was watching the wrong numbers entirely. The quick ratio analysis showed me problems three months before they would have become critical. Now I check my metrics every Monday morning, and I actually understand what they mean.
Financial Health Starts with Understanding Your Numbers
Most businesses fail not because they lack revenue, but because they run out of cash. We teach you how to read the signals before problems escalate, focusing on liquidity and solvency analysis that actually makes sense.
Explore Our Program
Common Cash Flow Blind Spots
These scenarios happen more often than you'd think. Here's what to watch for.
When Revenue Growth Masks Cash Problems
Your sales are climbing, invoices keep flowing in. Everything looks healthy on paper. But then you struggle to pay suppliers on time or miss payroll by days.
This happens when your current ratio drops below healthy levels. You're growing, sure, but your working capital can't keep up with the pace. Accounts receivable pile up while payables demand immediate attention.
- Track days sales outstanding weekly, not monthly
- Monitor quick ratio alongside current ratio
- Set alerts when working capital dips below 30-day coverage
- Review aging receivables every Friday afternoon
Debt That Looks Manageable Until It Isn't
Your debt-to-equity ratio seems reasonable. Monthly payments fit your budget. Then interest rates shift or a major client delays payment, and suddenly you're scrambling.
Solvency isn't just about total debt. It's about timing, interest coverage, and how quickly you can convert assets to cash if needed. A 2:1 debt ratio might be fine for a manufacturing business with steady contracts but dangerous for a consulting firm with lumpy revenue.
- Calculate interest coverage ratio monthly
- Stress-test scenarios with 20% revenue drops
- Maintain at least 3 months operating expenses in liquid reserves
- Review debt maturity schedules quarterly
How We Teach Financial Analysis
Forget memorizing formulas. Our program focuses on practical application using real business scenarios. You'll work through actual case studies where liquidity problems emerged and see exactly what signals were missed.
Start With Your Own Numbers
Bring your financial statements. Week one, we analyze your current position together. You'll leave the first session knowing exactly where you stand and what needs attention first.
Build Your Monitoring System
We provide templates for tracking the ratios that matter to your business. No complex software required. Simple spreadsheets that update weekly and flag issues automatically.
Practice Decision-Making
Through case studies, you'll face scenarios like: should you extend credit to a new client? Is now the right time to finance equipment? How much cash reserve is actually enough? You'll develop judgment, not just calculation skills.
Create Your Action Plans
By the final sessions, you'll have built personalized response plans for various financial scenarios. What to do when your current ratio drops below 1.5. How to respond if a major client goes 60 days past due. Concrete steps, not vague advice.
What Participants Say
Next Program Starts September 2025
Our autumn intake runs for eight weeks with both in-person workshops and online support. Limited to 15 participants to ensure everyone gets individual attention on their business finances.