Strategy Meets Finance

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.
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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.
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Ready to see how much cash is hiding in your business? Get your free Financial Health Check now: coltivar.com/check 
Financial Intelligence Toolkit 
There is a lot of noise in the economy right now. Inflation, labor shortages, geopolitical tension, and constant disruption. 
In times like this, guessing in your business can get dangerous fast. Steve explains the 3 numbers every business owner should understand to stay in control. When you understand these numbers together, you can see what is really happening inside your business and make better decisions before small problems turn into big ones.
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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

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. 
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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

Ready to see how much cash is hiding in your business? Get your free Financial Health Check now: coltivar.com/check 
Financial Intelligence Toolkit 
It’s not cash. It’s not strategy. It’s not training.
The thing that holds most businesses back is the story the owner tells themselves. Steve shares real examples of companies with clear roadmaps to millions in upside who still did nothing. Not because they lacked tools, but because they resisted change. Fear, old narratives, self-doubt, and hidden beliefs quietly block execution. You can have the right strategy and still stay stuck if your mindset fights it. If you feel like you know what to do but you’re not doing it, this might be the real reason. 
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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

Ready to see how much cash is hiding in your business? Get your free Financial Health Check now: coltivar.com/check 
Financial Intelligence Toolkit 
Working 60 hours a week. Missing dinners. Grinding nonstop. And still losing money. 
Steve shares a story about a frustrated president who was doing everything he could to turn around his division, but nothing was changing. The harder he worked, the worse it felt. The real issue was not effort. It was a lack of clarity around what actually drives results. When you confuse activity for outcomes, you burn out. When you focus on the few levers that truly move the numbers, everything starts to shift. If you feel like you are pushing hard but not getting traction, this one mindset change can completely alter your business and your life.
_______________________________________
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