Sporardic thoughts from our Managing Director, Santiago Valdez. Always happy to chat!

Santiago Valdez 8/17/26 Santiago Valdez 8/17/26

The One Benchmark That Exposes Everything Else

Revenue per employee shows whether you're growing through productivity or just headcount. How to calculate it correctly and read the trend.

Santiago Valdez 7/20/26 Santiago Valdez 7/20/26

How Much Working Capital Line Does Your Business Actually Need

Getting your working capital credit line right.

Santiago Valdez 6/1/26 Santiago Valdez 6/1/26

How Much Does a Fractional CFO Cost?

Price is what you pay, value is what you get…

Santiago Valdez 5/26/26 Santiago Valdez 5/26/26

Hiring a Second-in-Command Before Selling Your Business

The Second-in-Command Hire: Building the Management Layer Buyers Actually Pay For

Santiago Valdez 5/4/26 Santiago Valdez 5/4/26

Fractional CFO vs. Full-Time: Which Do You Need?

The role of Fractional vs Full Time CFOs in a small business context

Santiago Valdez 4/20/26 Santiago Valdez 4/20/26

Management Reporting Is Not Accounting

Your P&L was designed for your CPA. Your balance sheet was designed for your bank. Neither was built to help you run the business.

Santiago Valdez 4/8/26 Santiago Valdez 4/8/26

Your EBITDA Multiple is Earned, not Given

Market multiples are a ceiling, not a floor.

Santiago Valdez 3/31/26 Santiago Valdez 3/31/26

Why Your CPA Can't Be Your CFO

(And why that's not a criticism — it's a job description)

Santiago Valdez 3/9/26 Santiago Valdez 3/9/26

Building to "Indure": Shifting from Burn to Resilience

Cash flow over profit

Santiago Valdez 2/13/26 Santiago Valdez 2/13/26

The Advantage of a Fractional CFO

Institutional Strategy Without the Executive Overhead

Santiago Valdez 2/3/26 Santiago Valdez 2/3/26

Is Your Business Actually Making Money?

Why cash flow > sales

Santiago Valdez 1/26/26 Santiago Valdez 1/26/26

Navigating the “Messy Middle”: Introducing Indure Point

Strategic Financial Stewardship for the Long Run