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Free Finance Resources
Guides, frameworks and downloadable checklists, curated from 29 years of CFO experience. Download, use, share.
Checklist · Agency & Media
Agency Cash Conversion Checklist
12 checkpoints for agency cash health — DSO, WIP, margins, concentration, headcount. Score each metric against sector thresholds.
Checklist · Agency & Media
Agency Composite Risk Checklist
Compound conditions that signal immediate intervention — payroll stress, scope control failure, delivery collapse, survival mode.
Audit · Consulting
Consulting Utilisation Audit
Score your practice against utilisation, billing realisation, bench cost, and concentration thresholds.
Guide · All
7 Cash Flow Mistakes
The patterns I see repeatedly — businesses profitable on paper that still run out of cash. And the 7 ways it happens.
Checklist · All
10 Questions for Your Accountant
The questions that get past "how are we doing? — fine." Each one surfaces the specific numbers that matter for commercial decisions.
These resources are a starting point. The interpretation is the next step.
The Margin Note gives you a commercial read of your specific numbers — benchmarked against the same thresholds, but applied to YOUR business.