Program
Are you ready to convert the burden of financial management into a Finance Engine that propels your business forward and Secure Financial Freedom?
The Burden of Entrepreneurship
Financial Management is often seen by the Entrepreneur as a burden that falls upon them because they have chosen the entrepreneurial pathway.
With a successful marketing and selling strategy, you soon find yourselves managing large sums of money using knowledge you have gained from managing the household bank account.
You are not financial experts, have no idea how money flows through a business and are at a loss to make sense of –
- why your profits are too low,
- why your profits don’t convert into a healthy cash balance,
- why you don’t have any cash to grow your business,
- why you constantly avoid suppliers chasing you for payment,
- why you always struggle to meet payroll commitments,
- why you never have enough cash to pay yourself, and
- why you’re continually propping up your business’ bank account with your own personal funds.
The power Of change is in your hands ...
Imagine if You knew ...
- how to ensure regular and healthy profits,
- how to convert healthy profits into a healthy cash balance,
- how to generate enough cash to grow your business,
- how to have cash at the ready to meet supplier’s payments,
- how to ensure you always have the funds to settle payroll commitments,
- how to have the cash available to pay your tax bill,
- how to guarantee you get paid every month, and
- how to ensure topping up the bank account from personal funds was the exception and not the norm.
Not only would the financial stability of your business improve, but so too would your financial and personal well-being.
… And the answers are all at your fingertips.
The Intelligence Code
Our 1:1 Program promises
Clarity, Empowerment and Well-Being.
By structuring your finances into a Finance Engine-an invaluable asset-you can transform your business into the
Cash-Generating,
Profit-Making,
Financially Stable
Machine it was destined to be.
‘The Intelligence Code‘ program is a done for you program with an element of coaching, delivered by Debra Cooper, the principal of Zephyr Management Solutions.
The program is designed to transition you from a state of financial chaos, where you are;
- making ongoing losses from systemic cash flow issues, or;
- profits which don’t convert into cash in your bank account;
- not growing or don’t have the cash reserves to grow;
… to a place of financial harmony where you are making profits, enjoy improved cash flow with cash reserves and know your money is working hard, so you don’t have to.
The objective is to bring you:
- Clarity: to help you make sense of your business activities and their financial impact so you are not only able to make decisions with confidence, but you can communicate with seasoned professionals.
- Empowerment: to provide you with intellectual capital of your business so you can make better decisions, faster and with greater positive impact while maximizing the working value of every dollar.
- Well-being: to restore your sense of financial well-being, knowing you can meet all of your commitments and still have money available to invest in the growth of your business without sleepless nights and incessant worry.
‘The Intelligence Code’ program is made up of modules which are customized to each client. These modules are designed to streamline your business finances and educate you on how your day-to-day decisions impact your profitability, cash flow, and capability to grow so you can become a master of managing your business’ money.
The three benefits you receive with this program are:
- Educate you on how your decisions about your business activities, impact you financially so you can make more effective decisions with confidence which do not compromise your business.
- Provide you will tools and processes to manage the cash your business generates and make it work hard for your business so you don’t have to.
- Identify the activities of your business which drive your cash inflows and outflows, to improve your knowhow and capability to grow your business and reach your desired vision.
Don’t delay, take control of your business’ financial destiny and book a FREE Strategy Session today!
Modules
1
review
We bring order to the chaos and implement a structure which enables accurate and timely preparation of the 3 Core Financial Statements, customizing them to your business activity and provide information which is meaningful to you.
We clarify your “Why”. We identify your most pressing financial issue: No Cash, or Low Profits/High Losses, or No Growth, or all three. Maybe managing your finances is simply a headache.
We detail your current management of your business finances. What you are doing, what you are not doing and what you would like to achieve.
We discuss and make decisions on who should be responsible for “the doing” and the role of the business owner.
We look at the systems you are using, and at what capacity and we identify how we can improve the use of these systems.
We will detail a plan to turn your finance function into a Finance Engine. Debra will document call to actions, assigned responsibility and a timeline.
2
Reveal
We discuss the 3 Core Financial Statements in detail, their purpose on their own merit, their relationship with the other statements and what they say about your business.
We look at how your business operates. We investigate your profitability and assess how it supports the cash needs of your business. We then outline targets and strategies to reach those targets.
We look at how you are managing your cash. We identify problem areas and assess the liquidity of your business, set targets and outline strategies to reach those targets.
We identify the business activities that drive your cash inflows and outflows. We determine if your business is generating enough cash and the potential for growth. We set targets and strategies to reach those targets.
For all strategies we will determine call to actions, assign responsibilities and set a timeline. Debra will document these decisions in The Intelligence Code specific to your business.
3
RISK
We deep dive into your 3 Core Financial Statements and identify where you are most at risk. We will then fine tune strategies to mitigate these financial risks.
We look behind the numbers on the face of your profit and loss and isolate areas of revenue risk and profit risk. We then outline strategies to combat and mitigate these risks, securing your business’ earning capacity.
We look at your ability to meet your current obligations and expose areas where you are most at risk. We also examine your levels of debt and assess their level of risk in conjunction with your growth plans. We then put strategies into place to minmize your risks and maximize the use of your resources.
We look at the business activities specific to your business that drive ongoing positive net cash flows and detail what strategies you can implement to mitigate or eliminate your risks. We take a look at our three cash metrics – The Cash Codes.
We document what we have discovered and the strategies we have discussed along with an implementation timeline.
4
Ratio
We determine a suite of “numbers” you can use on a periodic basis to keep you finger on the pulse of your business. A combination of standard measures and specific metrics for areas of most concern in your business.
We look at five ratios of profitability and what they communicate about your business.
We look at three rations relating to the Balance Sheet and what they communicate about your business.
We look at three cash flow metrics and what they communicate about your business’ cash flow.
We identify a cross section of ratios to be reported on a periodic basis.
5
Recur
Once a month we will meet to review actual financial results against your targets. We will discuss possible strategies to remedy problems and leverage off of wins.
We will review The Intelligent Code designed specifically for your business, the associated strategies which have been implemented and their progress.
We will review The Risks, the associated strategies that have been implemented and their progress.
We will assess current activity against targets we previously set. Problems will be identified and wins will be highlighted. Subsequently strategies are developed and implemented.
Debra will issue a report on recommendations and concerns.
6
Reach
We build a practical Strategic Business Plan along with full costing and analysis which you can use to implement your strategic goals and measure your progress.
We determine the key strategic goals you wish to implement in your business over the next three years.
We define the steps each of your business units will need to be put into place to realize the goals you outlined in your strategic plan.
We cost out the Strategic and Business Plan and provide a suite of the 3 Core Financial Statements over the next 3 years. We then analyze the results for practicality and affordability.
We outline 3 scenarios which encompass varying combination of strategic goals and revise the Business and Financial Plan. We then compare the 3 scenarios and make a decision on which Plan to go forward and implement.
We combine the strategic metrics into the scorecard to enable tracking and ongoing measurement of progress.
You will have a budget model that can be used each year to capture and calculate your annual business planning and budgeting information.
To extract the most value from this program ...
You will need to be willing to …
- Embark upon self analysis of your current money management habits,
- Implement changes to remove old habits and replace them with new,
- Commit to doing the ground work to become a financial expert of your entity and be,
- Open to discovering that the reality of your financial circumstances is unlikely to reconcile with your perception.
With acceptance of these four requirements, together we can transform your finances into a Finance Engine that serves your business.
Who this program is for ...
Business owners and Entrepreneurs who are …
- Dedicated to improving their management of money,
- Hard working and focused upon achieving set goals,
- Willing to learn and grow professionally and personally
- Aware that there is no quick fix or magic trick that will change their current circumstances.
We, you and Debra Cooper, work as a partnership to streamline your Finance Engine, and define and achieve your goals.
Who this program is not for ...
Business owners and Entrepreneurs who are …
- Looking for a magic trick to fix their financial situation,
- Unwilling to do the work and implement what they have learned,
- Convinced that their perception of their situation is more accurate than the figures.
With this mindset the partnership will falter and limited value will be extracted from the programs process.
If you are open to changing the financial management of your business and fit the profile of who this program is for, do not hesitate and book your
FREE Strategy Session
with
Debra Cooper...
What happens once you Click on the FREE Strategy Session Button ...
Meeting
Setup
After clicking on the ‘BOOK FREE STRATEGY SESSION’ button you can select a date from my calendar that suits your schedule.
I will send a Zoom link for the preferred time you selected.
There is nothing further to do but prepare. Review the FREE Strategy Session details for further information about our meeting.
FREE
Strategy Session
The objective of this meeting is to get to know one another and introduce me to your business.
For a partnership to work, there must be a good fit between the players.
We will discuss your business in detail. What made you embark on the entrepreneurial journey and how you have progressed to where you are today.
I would also like to understand the basis for reaching out for my assistance and the core financial issue you are currently dealing with today.
I will provide details about the program. I will outline further details of each of the modules and answer any questions you may have.
I will make an initial assessment of how I believe it can add value to your business and estimate how long it will take.
We are all busy people and you do have a business to run.
We will determine the time commitment you will need to invest to get results.
As for me, my focus is upon results and it will take as long as it takes. There are always limitations though and I will be transparent about these.
I will outline the price and the three payment arrangements I have available.
Interested
to proceed
As a rule I don’t make decisions on the spot, particularly ones that require a considerable investment. I prefer to sleep on it to ensure it is right for me.
I will give you a strict 48 hours to make a decision if you would like to proceed on the price quoted.
I will contact you prior to expiration of the offer using your preferred method of contact.
Once agreement is reached, I will issue you with a quote for the full program along with a digital contract.
You will sign the contract, select your preferred payment plan and return to me for processing.
The first two modules are paid for before Set Up First Meeting on all payment arrangements. This represents 30% of the full program.
I will send a link to assist you with payment in line with the payment arrangement you have selected.
We will setup our first meeting where we will scope out the program in line with your business requirements.
Module 1 will generally take 30 Days to complete.
If at the conclusion of this module you no longer believe this program is for you, I will return your deposit and we will part ways.