Business and capital: clear finances for entrepreneurs
Cash flow, pricing, margins, inventory and financing explained for people running a small business. No jargon and calculators to test your numbers before you decide.
guides published on this topic (in Spanish)
tools for your case
routes based on your goal
A healthy business is not the one that sells the most, but the one that gets paid on time, has a margin and doesn’t run out of cash. Separate your personal finances, know your break-even point, keep an eye on cash flow and borrow only with a plan to repay. For legal and tax matters, consult an accountant or lawyer.
You can also see the chronological list at /category/negocios-y-capital/ or go back to the index of all guides.
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Business and capital, organized by topic
32 articles published (in Spanish). Start with the block closest to your situation.
Complete guide: Financial guide for entrepreneurs: cash, pricing and financing. Start here if you want to understand the topic from start to finish.
Pricing, costs and margins
- How do you calculate the selling price in a business?
- Profit margin: what it is and how to read it simply
- Gross margin vs. net margin: the differences
- Fixed and variable business costs: how do you separate them?
- Business operating expenses: what they are
- Business break-even point: what it is and how to read it simply
- Average ticket in a business: what it is
- EBITDA: what is it and what is it used for?
- ROI (return on investment): what it is
Cash and working capital
- Business cash flow: what it is and how to read it simply
- Business cash cycle: what it is and why it matters
- Working capital: what it is and how to calculate it simply
- Working capital: how do you estimate it for a small business?
- Working capital vs. fixed investment: differences for your business
- Business cash reserve: how much should you keep?
- Accounts receivable: what they are and why they matter to your business
- Accounts payable: what they are and how not to choke your cash flow
- Business inventory: what it is and how it affects your cash
- Inventory turnover: what is it and how do you read it?
Financing
Organization and planning
Three financial habits for your business
You don’t need to be an accountant to make better decisions with numbers.
Separate the accounts
One account for the business and a fixed salary for you: that’s how you know whether the business really makes money.
Check cash every week
Money in, money out and pending collections. Cash flow flags problems before the income statement does.
Decide with numbers
Before cutting prices, hiring or borrowing, test the scenario in a calculator.
Pricing, cash, break-even and returns
All are free, with no sign-up. Results are for reference only: they depend on the country, the institution and current laws.
Reference and educational information. Banco.guru is only a guide: it is not a bank and does not sell financial products. Data, examples and results are for reference only and are not real; they depend on the country, the financial institution, taxes and current laws. Always confirm your case with an authorized financial institution before deciding.
Questions about business and capital
How do I calculate the selling price?
What is the break-even point?
Why am I profitable but have no money?
What do I need to apply for a business loan?
Does Banco.guru give legal or tax advice?
Keep exploring the guides
Business and capital is one of Banco.guru’s 8 pillars. There is also personal finance, saving, cards, security and more.