The CFO Refinery

10/25/2026

Delayed approvals can leave employees waiting and customer work unfinished, even when the team has the skills to proceed.

Next week, choose one recurring approval and give a qualified team member clear spending or decision limits.

10/24/2026

Your next hire or investment needs more than a healthy bank balance.

Know what’s already committed, what’s generating profit, and what cash you’ll need for Q1—before you say yes.

Save this checklist and follow The CFO Refinery for clearer financial decisions.

10/23/2026

An overdue invoice is cash your business has earned but cannot yet use.

Before December, give your team a clear collection plan: prioritize overdue balances, resolve billing issues, confirm payment dates, and review progress weekly.

For owners planning payroll, purchases, or Q1 investments, the timing of collections belongs in the decision—not just the sales total.

Save this action plan and follow The CFO Refinery for more.

10/22/2026

An approved loan can still leave your business with too little breathing room.

Lenders assess repayment ability. Your decision also needs to account for the cash you want to preserve for operations, reserves and future plans.

Before signing, add the full payment to your cash-flow forecast. Test slower collections, seasonal dips and potential rate increases if the loan has a variable rate.

Does the payment still fit without draining your cash cushion?

Save this before your next financing decision, and follow The CFO Refinery for more.

10/21/2026

The equipment may fit your budget. Does the timing fit your business?

Before buying, compare the expected benefit with the cash you’ll need through March. Include setup costs, slower customer payments, and any new monthly commitments.

A worthwhile investment should support your operations and leave room to run them.

Save this decision guide and follow for more.

10/20/2026

Before you hire, expand, or commit to your next big investment, know what your business can support.

I help business owners connect cash flow, profitability, and forecasting to the decisions ahead—so you can move forward with a clear financial picture.

Let’s talk about your next move. Book a discovery call.

LINK IN COMMENT SECTION.

10/19/2026

Missing purchase orders, billing errors, or unresolved questions can hold up payment even when customers intend to pay.

Next week, ask your team to identify the specific payment obstacle behind your three oldest overdue invoices.

10/17/2026

10/16/2026

Seven-figure revenue can still depend on a handful of customer decisions.

Look at your top accounts through three lenses: revenue, profit contribution, and time to replace them. Then test what losing one would mean for cash and commitments.

Strong relationships matter. So does having room to respond when one changes.

Save this assessment and follow The CFO Refinery for more practical financial insights.

10/15/2026

Your next owner withdrawal deserves a cash forecast—not just a profitable month.

Draws and distributions reduce available cash without reducing reported profit. Before transferring money, review what will remain for upcoming obligations and your operating cushion.

Save this before your next withdrawal, and follow for more financial clarity.