Do you understand your working capital?

Outsourced CFO Support that grows your cash and your confidence

Hi Reader,

A big theme this month for many of my clients has been working capital and cash.

Working capital is a tricky one, because it's fluid and you can calculate it a few different ways. You also have to know what you need the $ for. Is it for AP, Payroll, Equipment or COGS? Here are my quick tips: get really familiar when cash comes into and goes out of your bank account, but also don't purchase stuff based on what's in the account. I know its confusing...

Are you getting a lump sum on day 3 of each month and then that has to carry you to next time?
Are you getting consistent deposits of somewhat equal amounts each day of the month but not enough to cover your larger, one-time monthly payments, like payroll?
How long do you have to pay vendors?

This is one step to understanding what's needed to get you from when cash goes out to when more cash comes in. Sometimes you don't need extra working capital (WC) and sometimes your business depends on it.

Cash in general isn't only used for WC. You can't just look at your accounts and then spend that all in the same month. With cash, you need to have reserves for things like taxes, investments in the future of the business, one time expenses, and emergencies.

When you combine a deep understanding of your working capital and cash reserves, you are no longer riding a wave of bank account financial management, and oh, it is amazing!

If you're interested in getting off that wave or know someone who is, reach out and we'll chat.

📋 What's inside

💤 Quality Sleep and Quality Margins Check-in
🎬 Our latest YouTube video
🏆 How to work with us
🥊 FFC Team Member Spotlight
🛠️ Finance Fight Club's Resource Toolkit
❤️ Natalie's Favorite Things
🔄 In Case You Missed It - We're Hiring!

💤 Quality Sleep and 💸 Quality Margins Check-in!

I announced in December my theme for 2026: Sleep + Margins.

To keep it front and center, I'm making it an entire section of the newsletter. Thanks for following along!

SLEEP:

I've done it. I'm almost sleeping a regular amount. Okay I have not done it, but I've waited it out long enough that the 3rd child sleeps*! It's amazing. However - as a mom of 3, someone is always waking me up so it's not perfect.

*almost through the night, most nights

MARGINS:

As we're nearing annual planning season, I'm going deep on all our client margins to pinpoint which ones each client needs to focus on in 2027. Stay tunned...

For those who missed the last newsletter, here are our stats:

On average, clients that work with us 12 months or longer are seeing:

464% increase in revenue
320% increase in net income $
199% increase in net profit margin
147% decrease in expenses as a % of revenue (which is more $$ to invest in future growth or pay owners)

🎬 Finance Fight Club on YouTube

Ready for practical CFO wisdom in bite-sized videos? Discover simple tactics for profit, pay, and clarity in our new series—built for business owners who want results without jargon.

🏆 Work With Us—Financial Clarity Starts Here

Want hands-on help for owner pay, cash reserves, and strategy?

Check out our website refresh and learn more about what we do

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🥊 FFC Team Member Spotlight

👋 Say hello to Christine Gillespie!

Christine started with Finance Fight Club in February of this year as an Associate CFO. She is supporting our clients with operational finance, cash flow modeling, and reporting - in fact, she is our in-house Fathom reporting expert!

Fun Facts: