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This is Part 8 of Steve Coughran’s book Cash Flow. Steve explains the fourth lever of cash flow: operating expenses. He shows why cutting costs blindly destroys value, how to eliminate waste without hurting growth, and the smart ways to optimize overhead while protecting employees, customers, and long-term strategy.

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This is Part 7 of Steve Coughran’s book Cash Flow. Steve covers the third lever of cash flow: cost of goods sold (COGS). He explains why lowering COGS directly boosts profitability, how throughput matters more than margins, and the strategies businesses can use to cut waste, improve labor efficiency, and increase cash flow without sacrificing quality.

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This is Part 6 of Steve Coughran’s book Cash Flow. Steve unpacks the second lever of cash flow: price. He explains why price is the most powerful driver of profitability, how perceived value determines what customers will pay, and how businesses can raise prices confidently without losing customers.

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This is Part 5 of Steve Coughran’s book Cash Flow. Steve introduces the first lever of cash flow: volume. He explains why selling more only creates value if it’s profitable, how to fix weak sales and marketing systems, and how the revenue flywheel drives sustainable growth without burning cash.

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This is Part 4 of Steve Coughran’s book Cash Flow. Steve breaks down the two main ways businesses are valued: the income approach, based on free cash flow, cost of capital, and growth, and the market approach, based on EBITDA multiples. He explains why understanding both is critical, how multiples impact valuation, and what really drives the worth of your company.

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This is Part 3 of Steve Coughran’s book Cash Flow. Steve reveals what truly creates value in a business: generating more cash flow than the cost of your investments. He explains return on invested capital (ROIC), why growth without strong returns destroys value, and how to measure whether your business is actually creating or burning cash.

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This is Part 2 of Steve Coughran’s book Cash Flow. Steve explains why profit doesn’t protect a business from failure and why free cash flow is the real survival metric. He breaks down how to calculate free cash flow, why it matters more than revenue or profit, and how companies with strong cash flow thrive in any economy.

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This is Part 1 of Steve Coughran’s book Cash Flow. Steve lays the foundation of why so many businesses struggle with cash even when they look profitable on paper. He explains the stages of a hidden cash flow crisis, why free cash flow matters more than revenue or profit, and introduces the seven levers that determine a company’s value.

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Financial Intelligence Toolkit 

This week, Sean Goggins, SBA Commercial Loan Officer at Cadence Bank, joins Steve Coughran to break down how SBA loans really work when buying a business. They cover how much cash you actually need, when seller financing helps, what banks look for in cash flow, and the mistakes that kill deals. If you’ve wondered whether you can buy a business with limited money, this episode gives you the answers. 

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Disclaimer:
The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.

This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information. 

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Major moves and market momentum in this week’s top financial stories, including:

• Fed Faces Political Turmoil Ahead of Cuts
• Buffett Bets on Build-to-Rent Housing
• Gap and Old Navy Enter the Beauty Market
• Kraft Heinz Splits Up to Refocus Strategy
• Elliott Targets PepsiCo for a Shake-Up

Tune in for smart commentary, sharp context, and the financial insight you need to lead in a changing world — only on FinWeekly.

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Disclaimer:
The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.

This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information. 

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