18 years of investment decisions - the good, the bad and the expensive.
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How banks think, how credit works, and how to build the finance discipline a growing business needs.
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18 years of investment decisions - the good, the bad and the expensive.
Two decades on the other side of the loan application.
Long-term money, long-term thinking. How institutional investors decide.
Twenty years of budgets, boards and hard conversations about money.
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The credit committee is not reading your business plan. Here is what it is actually looking at, and why most SME applications are declined before a human sees them.
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A banker's walk through a profit-and-loss, balance sheet and cash-flow statement - what each line tells a lender about you.
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The credit committee is not reading your business plan. Here is what it is actually looking at, and why most SME applications are declined before a human sees them.
The credit committee is not reading your business plan. Here is what it is actually looking at, and why most SME applications are declined before a human sees them.
A former listed-company CFO on the minimum finance discipline a growing business needs at 10, 50 and 200 people - and what happens without it.
A well-run distribution business, a persuasive owner and a warning sign I chose to explain away. What a GH₵ 2 million loss taught me about my own bias.
A twelve-month preparation plan for founders who will need bank finance - starting long before the application.
A twelve-month preparation plan for founders who will need bank finance - starting long before the application.
A well-run distribution business, a persuasive owner and a warning sign I chose to explain away. What a GH₵ 2 million loss taught me about my own bias.
A banker's walk through a profit-and-loss, balance sheet and cash-flow statement - what each line tells a lender about you.
A former listed-company CFO on the minimum finance discipline a growing business needs at 10, 50 and 200 people - and what happens without it.