We want to share with you our thoughts on business projections, cash management, small business, entrepreneurship, finance, startups, and business planning.



Nic Gianino has been an ops guy his entire career, managing manufacturing operations for sheet metal fabrication, precision machining, and electro mechanical device assembly companies. Early in 2020 he wanted to go out on his own and purchase a manufacturing company, but talking with a banker quickly made him realize that the middle of the COVID crisis was not the time to try to raise $2M. “All we’re doing right now is processing PPP loans,” his banker told him. A friend in the recruiting space plante... [continue reading]

I’ve spent most of my career trying to see the financial future of the companies I managed. I’ve seen what happens when small companies don’t know what their next 12 months look like, or when they don’t understand the financial impact of their business decisions. So based on my own experiences, I’ve put together 10 reasons why you should do monthly business projections in 2021. 1. Troubled companies need a path I start with this one because it was when I was turning around companies that I realized ... [continue reading]

It’s clear that there has never been a year like 2020. I remember the Great Recession of 2007 to 2009 as a terrible time for business, but even the Great Recession did not generate the large number of small business failures, the extensive unemployment, or the widespread disruption in everything from consumer goods supply to our daily commute-based work lives that the pandemic has caused. Shawn Gardner, a commercial banker at BNC Bank in Minneapolis, told me recently that the pandemic is going to have... [continue reading]

I recently read an article called “Corporate employees working from home are creating a surge in startups” by Gene Marks in The Guardian. You can read the article here https://amp.theguardian.com/business/2020/nov/19/small-business-startups-corporate-employees-pandemic People often say that a recession is a good time to start a business, but this article says that the current pandemic has created the perfect storm for young entrepreneurs. The millennial generation, who have been demanding more flex... [continue reading]

Bob and I recently had the pleasure to be on The New World of Work podcast with Cat Breet. Our topic was “Will Your Business Succeed?” As Cat said: “Money. As a small business owner, it’s at the top of your “gotta have it” list. The #1 reason for small business failure is that they just can’t bring in enough revenue. Let’s make sure that doesn’t happen to you! ProjectionSmart is a remarkable little tool to help you see – with absolute clarity – what adjustments you need to make in your business to mak... [continue reading]


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Five stars

"I signed up to gain some insights on expanding my current small business. With the resources they provided, the Proof Plan and ProjectionSmart, it has been considerably easier for me to write a business plan since I'm simply answering 21 questions. Thank you, Roger and Bob!"
~ Kristen, Small Business Owner

Five stars

"ProjectionSmart is very easy to use for the small business owner who wants to assess his finances and know where his cash is going. It is extremely helpful to me in making more informed business decisions. It gives me peace of mind."
~ Justin, CEO of professional services firm

Five stars

"I have very few clients who couldn't benefit from using ProjectionSmart!"
~ Shawn, Commercial banker

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