Negosyo at Numero

Iza Estinopo, CPA MBA
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  • Entrepreneurship
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Negosyo at Numero Where Serious Entrepreneurs Learn to Grow by the Numbers Negosyo at Numero is a podcast for business owners who are ready to move beyond intuition, beyond guesswork, and beyond just “selling for profit.” Hosted by Iza Estinopo, CPA MBA, this show transforms accounting, taxes, and financial strategy into practical, powerful tools for building a strong and scalable business. Every episode is created for entrepreneurs who want to lead with clarity, understand their numbers deeply, and make decisions like a true CEO — not just a manager. No jargon, no overwhelm, just real business insights explained in a simple, strategic way. In this podcast, you will learn: How to use taxes as part of your business growth strategy How to interpret your financial statements like a serious entrepreneur The most important financial ratios for decision-making How to detect red flags early using your books How cash flow, forecasting, and budgeting guide sustainable growth How to build a financially intelligent business culture Whether you’re running a growing SME or preparing to scale, Negosyo at Numero will help you turn your numbers into direction, clarity, and momentum.

Episodes

  1. 31 Mar

    Episode 6 "Why Serious Businesses Plan Taxes Year-Round"

    Many businesses treat taxes as a once-a-year problem—something to deal with only when deadlines are near. But serious businesses approach taxes differently. In this episode, we talk about why growing companies plan their taxes throughout the year instead of reacting to deadlines. Year-round tax planning helps business owners manage cash flow better, make smarter financial decisions, and reduce unnecessary stress. Taxes should not be a surprise expense. They should be a planned part of running a business. If you want to move from reactive tax filing to proactive business planning, this episode is for you. 🎧Also listen on Spotify and YouTube

    Episode 6 "Why Serious Businesses Plan Taxes Year-Round"

  2. 24 Mar

    Episode 5 "The Cost of Poor Tax Decisions (Beyond Penalties)"

    When business owners think about tax mistakes, the first thing that comes to mind is usually penalties and surcharges. But the real cost of poor tax decisions goes far beyond that. In this episode, we explore the hidden consequences of poor tax planning—such as cash flow problems, missed opportunities, and business decisions made without clear financial information. Taxes are not just about avoiding penalties. They reflect how a business manages its financial systems, planning, and leadership decisions. This episode invites business owners to look beyond compliance and start thinking about how better tax decisions can strengthen their business in the long run.

    Episode 5 "The Cost of Poor Tax Decisions (Beyond Penalties)"

  3. 17 Mar

    Episode 4 "How Taxes Reflect Your Business Structure"

    Many business owners see taxes simply as an amount they need to pay. But what if your taxes are actually telling you something important about your business? In this episode, we talk about how taxes reflect the structure of your business and why understanding this connection can help business owners make better decisions. From sole proprietorships to corporations, your business structure plays a significant role in how your taxes are calculated and how your financial story is presented. Instead of seeing taxes as just another obligation, this episode invites business owners to see them as a signal—one that reveals how their business is set up and how it may evolve as it grows. If you want to move from reacting to taxes toward thinking strategically about your business, this conversation is for you. 🎧Also listen on Spotify and YouTube Spotify: https://open.spotify.com/episode/5mxiJ728cTuKnDma1sUqIl?si=qfJ7PAz8SjyW4kziNEcEMw YouTube: https://youtu.be/RdPfmAz-9q4

    Episode 4 "How Taxes Reflect Your Business Structure"

  4. 3 Feb

    Episode 10 “Beyond Compliance: Building a Legacy Business Through Numbers”

    This episode is not about accounting. It’s about leadership, clarity, and legacy. In this final episode of Negosyo at Numero, we go beyond compliance and talk about how financial clarity helps you build a business that is stable, credible, and designed to last. 💡 In this episode: ✔️ Why financial clarity is a leadership responsibility ✔️ Using numbers to build stability and credibility ✔️ Creating systems that outlive the owner ✔️ A mindset shift from “running a business” to “building a legacy” You’re not just managing numbers — you’re building something that will outlast you. 🎧 Available on YouTube, Apple Podcasts, and Spotify Negosyo at Numero — beyond compliance, toward legacy.

    Episode 10 “Beyond Compliance: Building a Legacy Business Through Numbers”

  5. 20 Jan

    Episode 8 “Budgeting for Growth: Turning Plans into Measurable Numbers”

    Episode 8 “Budgeting for Growth: Turning Plans into Measurable Numbers” Plans don’t grow businesses. Budgets do. In this episode of Negosyo at Numero, we reframe budgeting — not as an accounting task, but as a leadership tool that turns vision into measurable action. 💡 In this episode: ✔️ How budgets clarify your growth path ✔️ The difference between reactive and proactive planning ✔️ Why budgets guide better decisions ✔️ Linking budgets with performance reviews and KPIs If you want intentional growth, budgeting is not optional. 🎧 Available now on YouTube, Apple Podcasts, and Spotify Negosyo at Numero — where plans meet numbers. YouTube: https://youtu.be/U9yKx9sOCfM Spotify: https://open.spotify.com/episode/3DqzZjGOpSHOSD8YJz3ljS?si=AQrjgW74RVeJnyisF3s5hQ

    Episode 8 “Budgeting for Growth: Turning Plans into Measurable Numbers”

  6. 13 Jan

    Episode 7 “Cash Flow Intelligence: How to Never Be ‘Profitable But Broke’ Again”

    Episode 7 “Cash Flow Intelligence: How to Never Be ‘Profitable But Broke’ Again” Profit looks good on paper. Cash keeps your business alive. In this episode of Negosyo at Numero, we break down Cash Flow Intelligence — how to understand the movement of money so you never experience “profitable but broke” again. 💡 In this episode: ✔️ Understanding cash flow cycles ✔️ Why timing matters more than totals ✔️ How paper profit differs from real cash ✔️ Simple ways to forecast cash shortages before they hit This episode is essential for business owners who want stability, not stress. 🎧 Listen now on YouTube, Apple Podcasts, and Spotify Negosyo at Numero — where cash flow meets clarity. YouTube: https://youtu.be/TI2Na1Dmqbw Spotify: https://open.spotify.com/episode/6RbLQyHvJ4JKY9ybWMnMgl?si=pQ79vxSQQo2WNJc499uqJA

    Episode 7 “Cash Flow Intelligence: How to Never Be ‘Profitable But Broke’ Again”

  7. 6 Jan

    Episode 6 “Discovering Red Flags Before It’s Too Late”

    “Discovering Red Flags Before It’s Too Late” Most business problems don’t appear overnight. They show warning signs — if you know where to look. In this episode of Negosyo at Numero, we talk about how accounting works as an early warning system for your business. Learn how to spot red flags before they turn into financial damage. 💡 In this episode: ✔️ Accounting signs of mismanagement or internal fraud ✔️ Why a declining gross profit margin is a serious warning ✔️ What late filings and unbalanced accounts really reveal ✔️ How to set up a simple internal check system — kahit small business After listening, ask yourself: 👉 “Will my numbers warn me early — or will I find out too late?” 🎧 Available now on YouTube, Apple Podcasts, and Spotify Negosyo at Numero — where numbers protect your business.

    Episode 6 “Discovering Red Flags Before It’s Too Late”

  8. 16/12/2025

    Episode 5 “The Ratios That Reveal the Truth About Your Business”

    “The Ratios That Reveal the Truth About Your Business” Are your numbers telling the truth — or just giving you totals? In Episode 5 of Negosyo at Numero, we decode the most important financial ratios every business owner should understand. No jargon. No technical lectures. Just simple, practical tools that reveal the true health of your business. 💡 What you’ll learn: ✔️ Liquidity ratios — can your business survive a slow month? ✔️ Profitability ratios — are your margins strong enough? ✔️ Efficiency ratios — mabilis ba umikot ang pera mo? ✔️ Simple formulas you should monitor every quarter These ratios act as your business warning lights — helping you prevent problems before they explode. 🎧 Listen also on YouTube and Spotify. Negosyo at Numero — where numbers speak the truth. #NegosyoAtNumero #FinancialRatios #BusinessHealth #Profitability #CashFlowManagement #IzaEstinopo

    Episode 5 “The Ratios That Reveal the Truth About Your Business”

  9. 09/12/2025

    Episode 4 - “The Growth Equation: Using Accounting Data to Scale Your Business”

    “The Growth Equation: Using Accounting Data to Scale Your Business” Most businesses grow by accident. Smart businesses grow by design — using accounting data as their guide. In this episode of Negosyo at Numero, we dive into how your numbers can make growth predictable, strategic, and sustainable. Discover how to spot growth drivers, remove bottlenecks, and use forecasting to avoid chaos during expansion. 💡 Inside this episode: ✔️ How accounting becomes a decision-making tool ✔️ Identifying what truly drives your growth ✔️ Finding hidden bottlenecks inside your reports ✔️ Real examples of using numbers to scale safely ✔️ The “Growth Equation” you should follow before expanding If you want clarity, direction, and confident growth, this episode is for you. 🎧 Listen also on YouTube and Spotify. Negosyo at Numero — your numbers, your direction. #NegosyoAtNumero #BusinessGrowth #EntrepreneurMindset #AccountingStrategy #IzaEstinopo

    Episode 4 - “The Growth Equation: Using Accounting Data to Scale Your Business”

  10. 02/12/2025

    Episode 3 “The Hidden Power of Your Financial Statements”

    🎙️ Negosyo at Numero – Episode 3 “The Hidden Power of Your Financial Statements” Most business owners have financial statements… but only a few know how to read them like real CEOs. In this episode, we uncover the real purpose of your P&L, Balance Sheet, and Cash Flow Statement — not as accounting documents, but as strategic tools that tell the true story of your business. 💡 Inside this episode: ✔️ What your P&L really says about your margins and sustainability ✔️ How your Balance Sheet reveals your business’ financial health ✔️ Why Cash Flow exposes the truth behind “profitable pero walang pera” ✔️ How serious entrepreneurs read numbers as stories, not accounting terms ✔️ The mindset shift from “reports for compliance” to “reports for strategy” After listening, ask yourself: 👉 “Am I treating my numbers as documents — or as my business partner?” 🎧 Listen also on Spotify and YouTube. Spotify: https://open.spotify.com/episode/2xdkD6QXn6WDumIhQIY7bA?si=BkmqzTtXTSC9kKjiZAPnng Facebook Page: https://web.facebook.com/izaCPAMBA/ Negosyo at Numero — where numbers tell stories, and strategy creates success. #NegosyoAtNumero #FinancialStatements #BusinessStrategy #EntrepreneurMindset #AccountingMadeSimple #IzaEstinopo

    Episode 3 “The Hidden Power of Your Financial Statements”

  11. 26/11/2025

    Episode 2 “Tax Optimization: How to Legally Reduce Taxes While Increasing Capacity”

    💡 Tax planning isn’t about tricks — it’s about strategy. In this episode, Iza Estinopo, CPA MBA, dives deeper into how smart entrepreneurs use tax optimization to legally reduce taxes while increasing their capacity to grow. Learn how to think beyond “bawas,” and start aligning your tax plan with your business goals. 📊 What you’ll learn: How tax strategies align with business goals Smart expense structuring (without violating laws) When reinvesting profits can lead to tax efficiency The difference between allowable deductions and long-term positioning 🔥 It’s time to think like a strategic entrepreneur. After this episode, ask yourself: 👉 “Am I just avoiding taxes — or optimizing them to grow my business?” 🎙️ Negosyo at Numero — where numbers tell stories, and strategy creates success. Spotify: https://open.spotify.com/episode/1doZFWknQXVdsEtL68RCep?si=NgzRy5iXQvO6AOOztJsDGg Facebook: https://web.facebook.com/izaCPAMBA #NegosyoAtNumero #TaxOptimization #PhilippineBusiness #EntrepreneurMindset #TaxStrategy #AccountingMadeSimple #IzaEstinopo #BusinessPodcastPH

    Episode 2 “Tax Optimization: How to Legally Reduce Taxes While Increasing Capacity”

  12. 16/11/2025

    Episode 1 “From Taxpayer to Strategic Entrepreneur: Rethinking Your Relationship with Taxes”

    Negosyo at Numero Podcast – Episode 1 “From Taxpayer to Strategic Entrepreneur: Rethinking Your Relationship with Taxes” 💡 What if taxes weren’t your enemy — but your growth partner? In this powerful first episode, Iza Estinopo, CPA MBA, helps business owners shift their mindset from tax avoidance to tax optimization. Discover how seeing taxes differently can unlock opportunities for expansion, credibility, and long-term success. Learn about: The mindset shift from fear to strategy Why taxes can be your business growth tool Financial stewardship and responsible entrepreneurship 🔥 After this episode, ask yourself: 👉 “Do I treat taxes as a burden — or as part of my business strategy?” 🎙️ Negosyo at Numero — where numbers tell stories, and strategy creates success. Spotify: https://open.spotify.com/episode/4uw44NBiF0xo67UIhHNbs7?si=dc9sg6NzQRy3JARp0PQkjw Youtube: https://youtu.be/qTjyVhV1DNQ Facebook: https://web.facebook.com/izaCPAMBA #NegosyoAtNumero #BusinessPodcastPH #TaxStrategy #EntrepreneurMindset #AccountingMadeSimple #IzaEstinopo #PhilippineBusiness

    Episode 1 “From Taxpayer to Strategic Entrepreneur: Rethinking Your Relationship with Taxes”
  • 12 Episodes

About

Negosyo at Numero Where Serious Entrepreneurs Learn to Grow by the Numbers Negosyo at Numero is a podcast for business owners who are ready to move beyond intuition, beyond guesswork, and beyond just “selling for profit.” Hosted by Iza Estinopo, CPA MBA, this show transforms accounting, taxes, and financial strategy into practical, powerful tools for building a strong and scalable business. Every episode is created for entrepreneurs who want to lead with clarity, understand their numbers deeply, and make decisions like a true CEO — not just a manager. No jargon, no overwhelm, just real business insights explained in a simple, strategic way. In this podcast, you will learn: How to use taxes as part of your business growth strategy How to interpret your financial statements like a serious entrepreneur The most important financial ratios for decision-making How to detect red flags early using your books How cash flow, forecasting, and budgeting guide sustainable growth How to build a financially intelligent business culture Whether you’re running a growing SME or preparing to scale, Negosyo at Numero will help you turn your numbers into direction, clarity, and momentum.

Information

  • Creator
    Iza Estinopo, CPA MBA
  • Years Active
    2025 - 2026
  • Episodes
    12