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Vera CFO
Home
About
Services
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LET'S TALK
Home
About
Services
Blog
LET'S TALK
Debt vs. Equity: What Founders Get Wrong About Funding Their Growth
Matthew Kikkert 8/24/26 Matthew Kikkert 8/24/26

Debt vs. Equity: What Founders Get Wrong About Funding Their Growth

Debt vs. equity isn't just a funding question — it's a cost-of-capital decision most founders get wrong. Here's how to think about it correctly before you raise.

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Why Most Hiring Plans Break the Budget (And How to Model It Correctly)
Matthew Kikkert 8/17/26 Matthew Kikkert 8/17/26

Why Most Hiring Plans Break the Budget (And How to Model It Correctly)

Most hiring plans blow the budget not because founders overpay, but because they under-model. Here's how to build a headcount plan that accounts for fully-loaded costs, ramp time, and cascade effects before you make the offer.

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How to prepare your books for a sale — even if you're 3 years away
Matthew Kikkert 8/10/26 Matthew Kikkert 8/10/26

How to prepare your books for a sale — even if you're 3 years away

Most founders wait too long to prepare their financials for a sale. Here's the framework for getting your books, EBITDA, and data room ready — even if an exit is years away.

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The hidden costs eating your margins (and how to find them)
Matthew Kikkert 8/3/26 Matthew Kikkert 8/3/26

The hidden costs eating your margins (and how to find them)

Hidden costs eat margins slowly — here's how to find the vendor bloat, contractor drift, and unbilled scope creep that quietly compress your profitability every month.

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How to Run a Monthly Financial Review in 30 Minutes
Matthew Kikkert 7/27/26 Matthew Kikkert 7/27/26

How to Run a Monthly Financial Review in 30 Minutes

Learn how to run a monthly financial review in 30 minutes — a simple, repeatable framework for founders who want to stay on top of cash, margins, and performance without drowning in reports.

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Scenario Planning for Founders: How to Stress-Test Your Business Before Reality Does
Matthew Kikkert 7/20/26 Matthew Kikkert 7/20/26

Scenario Planning for Founders: How to Stress-Test Your Business Before Reality Does

Most businesses don't fail from bad strategy — they fail from financial surprises they never saw coming. Here's how to build a simple three-scenario plan that stress-tests your business before reality does.

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Owner's Comp: How to Pay Yourself Without Hurting the Business
Matthew Kikkert 7/13/26 Matthew Kikkert 7/13/26

Owner's Comp: How to Pay Yourself Without Hurting the Business

Most founders set their own salary once and never revisit it — which distorts margins, complicates hiring decisions, and creates real problems if you ever plan to sell. Here's how to structure owner's compensation correctly.

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The Difference Between Revenue and Cash (It Matters More Than You Think)
Matthew Kikkert 7/6/26 Matthew Kikkert 7/6/26

The Difference Between Revenue and Cash (It Matters More Than You Think)

Revenue and cash are not the same thing — and confusing the two is how profitable businesses end up unable to make payroll. Here's how to close the gap.

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How to prepare your financials for investors — even if you're not raising yet
Matthew Kikkert 6/29/26 Matthew Kikkert 6/29/26

How to prepare your financials for investors — even if you're not raising yet

Most founders wait until they're fundraising to clean up their books — and it costs them. Here's how to get your financials investor-ready before anyone's asking to see them.

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What Your Accountant Can't Tell You (And What a CFO Can)
Matthew Kikkert 6/22/26 Matthew Kikkert 6/22/26

What Your Accountant Can't Tell You (And What a CFO Can)

Your accountant records what happened — a CFO tells you what to do next. Here's the difference between historical bookkeeping and real financial leadership, and why it matters for founders at $1M–$20M.

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How to build a budget that actually gets used (not shelved after January)
Matthew Kikkert 6/15/26 Matthew Kikkert 6/15/26

How to build a budget that actually gets used (not shelved after January)

Most budgets get built in December and forgotten by February. Here's how to build a budget that actually drives decisions — with the right structure, the right level of detail, and a monthly review process that keeps it alive all year.

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Your business is growing — so why is cash always tight?
Matthew Kikkert 6/8/26 Matthew Kikkert 6/8/26

Your business is growing — so why is cash always tight?

Growing revenue but always short on cash? Learn why business growth naturally creates cash tightness — and the specific numbers to track so you can fix it before it becomes a crisis.

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The 5 Financial Metrics Every Founder Should Track (Besides Revenue)
Matthew Kikkert 6/1/26 Matthew Kikkert 6/1/26

The 5 Financial Metrics Every Founder Should Track (Besides Revenue)

Revenue is the wrong metric to run your business on. Here are the 5 financial metrics every founder should track — gross margin, cash flow, CAC, DSO, and OpEx ratio — and why they matter.

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When to Make Your Next Hire: A Cash-First Decision Framework
Matthew Kikkert 5/25/26 Matthew Kikkert 5/25/26

When to Make Your Next Hire: A Cash-First Decision Framework

Before your next hire, run the math on cash — not just revenue. This framework shows founders how to evaluate headcount decisions using fully loaded cost, utilization data, and a 13-week cash flow forecast.

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How to Price Your Services (And Stop Leaving Money on the Table)
Matthew Kikkert 5/18/26 Matthew Kikkert 5/18/26

How to Price Your Services (And Stop Leaving Money on the Table)

Most service businesses underprice because they price from cost, not value. Here's the framework founders can use to set prices, protect gross margin, and stop leaving money on the table.

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How to Know If Your Business Is Actually Running Out of Cash (Before It's Too Late)
Matthew Kikkert 5/11/26 Matthew Kikkert 5/11/26

How to Know If Your Business Is Actually Running Out of Cash (Before It's Too Late)

Most cash crunches don't appear overnight — they build for weeks. Here's how to build a 13-week rolling cash flow forecast and spot the warning signs before your bank account does.

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Budgeting vs. Forecasting vs. Scenario Planning: What's the Difference and Why It Matters
Matthew Kikkert 5/4/26 Matthew Kikkert 5/4/26

Budgeting vs. Forecasting vs. Scenario Planning: What's the Difference and Why It Matters

Budget, forecast, and scenario plan — most founders use these interchangeably, but each answers a different question. Here's how to use all three to run a tighter business.

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Gross margin: the number every operator needs to know by heart
Matthew Kikkert 4/27/26 Matthew Kikkert 4/27/26

Gross margin: the number every operator needs to know by heart

Gross margin is the most important number most operators undertrack. Learn how to calculate it correctly, avoid common COGS mistakes, and use it to make better pricing, hiring, and growth decisions.

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The Real Cost of Your Next Hire: A Framework for Any Founder
Matthew Kikkert 4/20/26 Matthew Kikkert 4/20/26

The Real Cost of Your Next Hire: A Framework for Any Founder

Before your next hire, run the real numbers. This framework breaks down fully loaded headcount costs — including ramp time and opportunity cost — so founders can make smarter, cash-aware hiring decisions.

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Why Your P&L Lies to You (And How to Read Cash Flow Instead)
Matthew Kikkert 4/13/26 Matthew Kikkert 4/13/26

Why Your P&L Lies to You (And How to Read Cash Flow Instead)

Your P&L can show profit while your bank account runs dry. Here's why cash flow tells the real story — and what founders should track instead.

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