Rethinking How Small Businesses Handle Money
Real Scenarios, Not Textbook Theory
Most finance courses teach you about balance sheets and profit margins. That's fine. But when your supplier suddenly demands payment upfront or a major client delays their invoice by sixty days, you need strategies that work in the moment.
We built this program around situations like that. Things that happened to businesses we've worked with in Oshawa, Vancouver, and smaller towns across Canada. The kind of problems that don't have neat answers but require you to think through your options clearly.
Sessions start in September 2025, giving you time to plan around your current workload. No promises about transforming your bottom line overnight. Just focused skill-building with people who get what you're dealing with.
What We Actually Cover
Cash Flow Mapping
You know where money comes in and goes out. But do you know why certain months always squeeze you? We walk through tools that help spot patterns before they become crises.
Supplier Negotiations
Most business owners dread these conversations. We cover how to approach payment terms, volume discounts, and contract adjustments without damaging relationships. It's less about being aggressive and more about understanding what flexibility actually exists.
Credit Management
Banks don't always explain what they're really looking for. We break down how credit decisions get made and what you can do to improve your position over time.
Seasonal Planning
If your revenue fluctuates throughout the year, you already know how stressful slow periods can be. This module helps you build reserves and adjust spending without panicking.
Tax Planning
We're not accountants, but we work with several who specialize in small business. This section covers timing strategies and common deductions that often get missed.
People Who've Been Through It
I run a small retail operation in Ontario. Before this program, I was constantly stressed about whether I had enough in the account to cover next week's expenses. The cash flow mapping section helped me see where money was getting stuck. I'm not suddenly rich, but I sleep better knowing I understand my numbers.
My manufacturing business has wild seasonal swings. Some months we're slammed, others we barely break even. The forecasting module gave me a framework to set aside money during good periods instead of spending it all. It's not rocket science, but having someone walk you through it makes a difference.
Let's Talk About Your Situation
Every business has different pressure points. Reach out and we can discuss whether this program addresses what you're dealing with right now. No sales pitch. Just an honest conversation about whether it makes sense for where you're at.
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