Tag: Life Cycle – Growth

Business Marketing – “Shark” versus “Anemone”

Author: Stewart Clark

At the heart of any successful sales program are a heathy number of leads generated by a well formulated marketing program. Equally, where sales or revenue levels are not hitting the mark – then generally there is no effective marketing plan in place. Few businesses have the volume of sales or revenue that they want, with […]

Sure Fire Business Killers

Author: Stewart Clark

Operating a business has its challenges due to the many and varied issues drawing on the owners time – people, product, sales, collections, just to name a few. Thus it’s no wonder that many business owners operate “in” rather than “on” their business – which has its dangers. Heading the list of dangers is the loss of sight […]

Business Finance – On the Hook!

Author: Stewart Clark

For those who have borrowed money, you would be aware that financiers are always looking for a primary exit (repayment) source – normally via the repayment from business operations AS WELL AS a secondary exit just in case everything turns sour.  Most people get the simple fact that if they default on the loan, the financier will look to […]

3 Strategies to Energise your Bottom Line

Author: Stewart Clark

There are three key strategies available to energise your bottom line, with then an infinite number of tactics which can be used to support them – customised to your business and its circumstance. The three key strategies are; •    Revenue – increase •    Direct costs – control •    Operating costs – reduce Each of these strategies has relevance […]

It’s never the Message in business – always the delivery!

Author: Stewart Clark

How many times have you been given some news and reacted badly; triggering a sudden or violent reaction, not gaining an understanding or getting the full message? In finance, most bad news revolves around loans – the words that most clients don’t want to hear from their Banker include; No! Declined.  …there’s a problem…. These are of course simple words – nothing more, but […]

7 Reasons Why You Should Know Your Cash Cycle

Author: Stewart Clark

You often hear throw away comments such as “Cash is King” and “Cash is the lifeblood of business” – but what do these really mean? “Cash is literally King” – as it is arguably the most important aspect of the financial health of any business and essentially “rules” over what happens. The other fitting analogy is that “Cash is […]

The Financial Shopping List for Business

Author: Stewart Clark

With countless finance products in the market – which one should I take? This is an FAQ from most businesses at some point, so this simple shopping list should take some pain out of the process. To start, it’s not so much a case of which product you should take, it’s more a question of which one do you need and realistically, what is […]

But I didn’t see it coming!

Author: Stewart Clark

All too often this is the catch cry after a major incident…..a show stopping incident…..a business crippling incident… But after the dust has settled and the emotion has been removed from the discussion, the real question is “WHY didn’t you see it coming?”  Show stopping incidents in business – the ones that have the ability to cripple […]

The Factor of Time

Author: Stewart Clark

Time is a precious commodity and one not to be squandered. Often time…..is the critical factor between success and failure. In prior blogs I have made references to how important time is in finance, and then more generally – to business viability. If your business is running tight – with losses or cashflow gaps starting to show, then this article […]

The Business Debt Trap

Author: Stewart Clark

Debt comes in two forms – Good and Bad. Successful businesses understand the difference and actively manage their position. Over the years I have seen many businesses struggle (and some crumble) under the burden of debt – with the debt load literally hanging over the business like a tree branch waiting to fall in a strong wind. Using a simple test before taking […]

More Fees for Business than Service

Author: Stewart Clark

Ever noticed that some bill accounts are so complex that it takes a master’s degree to work them out? Put simply…..it’s an illusion to justify a larger cost and/or mask the value that is being charged.  I call the language used in these accounts “bill speak“, so once you understand how to translate it – you will never be fooled again. Regrettably the […]

Business Decisions – play them forward three hands

Author: Stewart Clark

Many strategies and decisions are made “in the moment” – considering only todays issues with little thought given to the flow on effects or impacts. Consider for a moment what this could look like in a practical business context; Problem: Business is going well with a large volume of short term contracts driving the existing business resources very hard. Solution: Hire […]

5 Avoidable Banking Mistakes for Business

Author: Stewart Clark

As with most things in life – learn the lessons of those who have gone before you. Over my years working with businesses and lending money, I have seen a number of simple mistakes that have cost people a lot of money. To save you the cost of these, I have jotted down 5 of the most common mistakes that I have seen, along with simple yet effective suggestions to […]

Moths in your pocket

Author: Stewart Clark

Successful businesses have a strong handle on where they spend their money. There is no point putting in all of the effort in running a business, finding clients and generating sales if at the end of the day – you have nothing left to show for it. Every dollar you spend must deliver tangible value to you and your business.  If it doesn’t, […]