Strategy Meets Finance

Strategy and Finance
  • 4.8 (23)
  • Investing
  • Updated Weekly

Welcome to Strategy Meets Finance, the podcast for business owners and entrepreneurs who want to start, grow, and run a business that lasts. Most business owners struggle because they treat strategy and finance as separate. But without a clear strategy, your finances won’t support long-term growth. And without strong financial planning, even the best business ideas fall flat. On this show, we bring both sides together—so you can grow your business with confidence, improve cash flow, increase profit, and make better decisions. Hosted by Steve Coughran, a former CFO and founder of Coltivar, each episode shares simple tools, real examples, and practical advice from working with companies of all different sizes. You’ll learn how to set smart goals, fix money leaks, build stronger teams, and create lasting value.

  1. 3d ago

    If I Were Running a Construction Business, Here's Exactly What I'd Do | Ep 242

    How much cash is hiding in your business? See if you qualify for a Free Financial Health Check  Financial Intelligence Toolkit  Steve gets asked this question all the time. If you were running my business, where would you start? In this episode he answers it directly. He walks through exactly what he would do in the first 90 days running a $10 million specialty contracting business, the specific sequence of moves, and why the order matters as much as the moves themselves. If you have ever felt like you are working hard but not sure you are working on the right things, this one lays it out clearly. _______________________________________ Disclaimer: The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation. This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information. LinkedIn | YouTube  coltivar.com

    15 min

  2. 6d ago

    Why Contractors Run Out of Cash (And the Four Levers That Fix It) | Ep 241

    How much cash is hiding in your business? See if you qualify for a Free Financial Health Check  Financial Intelligence Toolkit  Most specialty contractors know cash flow is important. What they do not know is what actually controls it. In this episode Steve walks through the four levers that determine whether a contracting business has cash or not. They are not complicated, but if you do not know what they are, you cannot pull them. And if you are busy and still broke, at least one of them is working against you right now. _______________________________________ Disclaimer: The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation. This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information. LinkedIn | YouTube  coltivar.com

    17 min

  3. Jun 11

    The 3 Biggest Strategy Mistakes Business Owners Make | Ep 240

    How much cash is hiding in your business? See if you qualify for a Free Financial Health Check  Financial Intelligence Toolkit  Most business owners have sat through a strategy session that felt productive in the room and changed nothing back at the office. In this episode Steve breaks down the three biggest mistakes he sees business leaders make when doing strategy. Not because they are not smart or ambitious, but because nobody ever showed them what strategy actually requires before the vision work even starts. If your team keeps doing strategy but keeps staying stuck, this one is for you. _______________________________________ Disclaimer: The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation. This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information. LinkedIn | YouTube  coltivar.com

    13 min

  4. Jun 8

    Your Gross Margin Is Probably Wrong. Here's Why. | Ep 239

    How much cash is hiding in your business? See if you qualify for a Free Financial Health Check  Financial Intelligence Toolkit  Most contractors who track their gross margin are still getting it wrong. Not because they are doing anything dishonest. Because the way their accounting is set up does not match the economic reality of their business. In this episode Steve walks through exactly how this happens, which costs are consistently misclassified and why it matters way beyond just the margin number itself. If your gross margin is wrong, your bids are wrong, your strategy is wrong, and your cashflow problems make a lot more sense. _______________________________________ Disclaimer: The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation. This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information. LinkedIn | YouTube  coltivar.com

    15 min

  5. Jun 4

    3 Things I Learned as CFO That Every Contractor Gets Wrong | Ep 238

    How much cash is hiding in your business? See if you qualify for a Free Financial Health Check  Financial Intelligence Toolkit  When Steve became CFO of a billion-dollar construction company, he thought he had seen it all. But sitting inside a business at that scale taught him things no classroom or accounting firm ever could. In this episode he walks through the three financial mistakes he sees contractors make consistently, regardless of trade or company size. They are not complicated. They are just things nobody ever showed them. If you run a contracting business and your numbers never quite add up the way they should, this one will tell you exactly why. _______________________________________ Disclaimer: The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation. This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information. LinkedIn | YouTube  coltivar.com

    16 min

  6. Jun 1

    Your Balance Sheet Is Deceiving You | Ep 237

    How much cash is hiding in your business? See if you qualify for a Free Financial Health Check  Financial Intelligence Toolkit  Most business owners feel pretty comfortable with their income statement. Revenue, costs, profit. Simple enough. But the balance sheet is where the real story lives and where most of the damage hides. If your balance sheet is a mess and you ever have to clean it up, those corrections will hit your profit directly and could affect your taxes going back years. In this episode Steve walks through exactly what to watch on your balance sheet, why these balances get out of control quietly, and what to do before the cleanup becomes a crisis. _______________________________________ Disclaimer: The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation. This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information. LinkedIn | YouTube  coltivar.com

    14 min

  7. May 28

    Why Your Business Gets Harder to Run as It Grows (And What to Do About It) | Ep 236

    How much cash is hiding in your business? See if you qualify for a Free Financial Health Check  Financial Intelligence Toolkit  Revenue is up. The team is growing. There is no shortage of work. And somehow the business feels harder to run than when it was half the size. More stress, more decisions, more fires, and at the same time less margin, less cash, less clarity. In this episode Steve breaks down exactly why this happens and why it is almost never an operations problem. It is a structure problem. He walks through the specific traps that make growth feel like punishment and what it actually takes to fix them. _______________________________________ Disclaimer: The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation. This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information. LinkedIn | YouTube  coltivar.com

    19 min

  8. May 26

    5 Warning Signs Your Business is Heading Towards a Crisis | Ep 235

    How much cash is hiding in your business? See if you qualify for a Free Financial Health Check  Financial Intelligence Toolkit  Businesses almost never collapse without warning. The signs are usually there months before things get critical, sometimes even longer. The problem is most owners either do not know what to look for or they see the signs and convince themselves things will turn around. In this episode Steve walks through the five warning signs he looks for when he walks into any business. Catch them early and the fix is usually straightforward. Wait until they become a crisis and the options get a lot more limited. If your business is growing but something still feels off, this one is worth your full attention. _______________________________________ Disclaimer: The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation. This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information. LinkedIn | YouTube  coltivar.com

    16 min
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About

Welcome to Strategy Meets Finance, the podcast for business owners and entrepreneurs who want to start, grow, and run a business that lasts. Most business owners struggle because they treat strategy and finance as separate. But without a clear strategy, your finances won’t support long-term growth. And without strong financial planning, even the best business ideas fall flat. On this show, we bring both sides together—so you can grow your business with confidence, improve cash flow, increase profit, and make better decisions. Hosted by Steve Coughran, a former CFO and founder of Coltivar, each episode shares simple tools, real examples, and practical advice from working with companies of all different sizes. You’ll learn how to set smart goals, fix money leaks, build stronger teams, and create lasting value.

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