I
— Factr Insights

Thinking from the
finance side of the table.


Practical commentary on the moments that define owner-managed businesses — growth, acquisition, exit, restructuring, and the financial discipline that holds it all together.

01 / Insights
What You’re Actually Buying: Valuation, Structure and the Working Capital Trap
Acquisition· 4 min read · 6 Jul 2026

What You’re Actually Buying: Valuation, Structure and the Working Capital Trap

When a deal is being discussed, two questions tend to dominate: how is the business valued, and how is the deal going…

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Are You Ready to Acquire? The Preparation Most Buyers Skip
Acquisition· 4 min read · 6 Jul 2026

Are You Ready to Acquire? The Preparation Most Buyers Skip

Most conversations about acquisition start in the wrong place. The question most businesses ask first is: what is available? The question they…

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Why Moving to Cloud Accounting Is About More Than Software
Accounting· 3 min read · 6 Jul 2026

Why Moving to Cloud Accounting Is About More Than Software

Most conversations about cloud accounting start with the software. Xero versus QuickBooks. Bank feeds versus manual entry. Receipt capture apps. These things…

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The Cash Flow Trap That Catches Growing Manufacturers
Accounting· 4 min read · 6 Jul 2026

The Cash Flow Trap That Catches Growing Manufacturers

Manufacturing businesses have a cash flow problem that most accountants do not fully appreciate — and that most owners only discover when…

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Your Accountant Knowing Your Numbers Isn’t the Same as Understanding Your Business
Accounting· 4 min read · 6 Jul 2026

Your Accountant Knowing Your Numbers Isn’t the Same as Understanding Your Business

Most owner-managed businesses have a good accountant. The compliance gets done, the tax is filed, HMRC is kept happy. What they often…

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When the Business Is Struggling: What a Financial Workout Actually Involves and What It Takes to Get Through One
Restructuring· 6 min read · 16 May 2026

When the Business Is Struggling: What a Financial Workout Actually Involves and What It Takes to Get Through One

Not many advisory firms write about this. A business in distress is uncomfortable territory and many practices prefer to stay on the…

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02 / Library