The Fincharta Blog

Money sense, in plain English.

Practical, no-jargon guides on cashflow, financial health, and running a small business with clarity — written for owners, not accountants.

CashflowFeatured

What a cashflow runway actually is, and how to read yours

Profit is an opinion; cash is a fact. Runway is the one number that tells you how long the facts are on your side.

The Fincharta Team·2 June 2026·7 min read

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The five numbers every small business owner should check monthly

Forget the fifty-row spreadsheet. These five numbers, checked monthly, tell you almost everything about the health of a small business.

28 May 2026·8 min read

Cashflow

Late payments are killing UK small businesses. Here is how to get paid faster.

Late payment is one of the biggest causes of small-business cash strain in the UK. A practical playbook for getting your money in sooner.

21 May 2026·8 min read

Fundamentals

How to read a profit and loss statement in plain English

Revenue, gross profit, overheads, net profit: what each layer of a profit and loss statement actually tells you, and the trap of confusing profit with cash.

14 May 2026·7 min read

Growth

Can I afford to hire? A framework for the biggest decision you will make

The true cost of a hire is far more than the salary. A practical framework for sizing it, testing it against your runway, and deciding with confidence.

7 May 2026·8 min read

Product

Financial health scores explained: what good actually looks like

What a financial health score measures, what each band means, and why a single composite number tracked over time beats five separate reports.

29 April 2026·6 min read

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