The episode of Transformed With Data podcast, Graeme Crawford talks with Michael Young, owner of an outsourced accounting firm, about the hidden patterns in small business financial data. Michael shares insights from analyzing hundreds of M&A deals at PwC and now helping small businesses navigate their finances, revealing why sophisticated data systems can actually hurt small companies and the critical indicators that predict business success. They discuss the dangers of software sprawl, why cash flow understanding matters more than perfect attribution metrics, and how private equity rollups often oversell integration benefits while underestimating the operational challenges of merging multiple businesses.

0:00 - Private equity rollup challenges

0:26 - AI marketing vs value delivery

0:41 - Perfect attribution illusion

2:33 - Small business financial patterns

3:47 - Cash balance fixation

5:53 - Software subscription creep

8:05 - Cross-selling opportunities discovered

10:36 - Three business segments explained

13:14 - Owner focus challenges

17:23 - P&L as scorecard

20:19 - Financial statement limitations

24:02 - CRM consolidation pain

26:45 - AI and accounting accuracy

29:45 - Customer acquisition complexity

32:48 - Attribution measurement challenges

35:20 - Instant gratification culture

39:00 - Government contracting focus

41:36 - Ultra-niche software emergence

44:31 - Trust yourself advice

Companies mentioned in this episode:

• HubSpot
• Salesforce
• PwC
• Bay Business Group
• Ramp