Steve Coughran

Strategy Meets Finance

Business EN ↓ 326 episodes

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...

Author

Steve Coughran

Category

Business

Podcast website

podcast.coltivar.com

Latest episode

Jul 9, 2026

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Episodes

The #1 Struggle Business Leaders Face | Ep 223 02.04.2026

How much cash is hiding in your business? See if you qualify for a  Free Financial Health Check   Financial Intelligence Toolkit   A lot of business owners think profit is the goal, but the real problem shows up when the cash is not there. This is one of the most common struggles leaders deal with. Steve breaks down why profit and cash flow don’t match and shares a simple way to measure how much o...

The 3 Phases Every Failing Business Goes Through (And How to Escape) | Ep 222 24.03.2026

How much cash is hiding in your business? See if you qualify for a Free Financial Health Check   Financial Intelligence Toolkit   Most businesses don’t fail overnight. They go through the same three phases, and most owners don’t realize what’s happening until it’s too late. It starts with a strategy that quietly stops working, then margins get squeezed, and eventually cash runs out. Steve breaks d...

Why Your Business Makes Money But Never Seems to Have Any | Ep 221 17.03.2026

How much cash is hiding in your business? See if you qualify for a Free Financial Health Check   Financial Intelligence Toolkit   Your income statement says you made money, but your bank account says something else. This happens in more businesses than you think. Steve explains why profitable companies can still feel cash-strapped and where the money actually goes. Most of the time it disappears i...

If You've Been Watching the News, You Better Know Your Numbers | Ep 220 12.03.2026

How much cash is hiding in your business? See if you qualify for a Free Financial Health Check   Financial Intelligence Toolkit   There is a lot of noise in the economy right now. Inflation, labor shortages, geopolitical tension, and constant disruption.  In times like this, guessing in your business can get dangerous fast. Steve explains the 3 numbers every business owner should understand to sta...

This is Why Profitable Companies Run Out of Cash | Ep 219 09.03.2026

How much cash is hiding in your business? See if you qualify for a Free Financial Health Check   Financial Intelligence Toolkit   A lot of companies are profitable on paper but still run out of cash. The problem usually comes down to something most owners never measure called the cash conversion cycle. Steve explains why profit and cash flow are different, how working capital traps cash inside a b...

The #1 Thing Holding 99% of Businesses Back | Ep 218 02.03.2026

How much cash is hiding in your business? See if you qualify for a Free Financial Health Check   Financial Intelligence Toolkit   It’s not cash. It’s not strategy. It’s not training. The thing that holds most businesses back is the story the owner tells themselves. Steve shares real examples of companies with clear roadmaps to millions in upside who still did nothing. Not because they lacked tools...

Why Working Hard Isn’t Fixing Your Business | Ep 217 26.02.2026

How much cash is hiding in your business? See if you qualify for a Free Financial Health Check   Financial Intelligence Toolkit   Working 60 hours a week. Missing dinners. Grinding nonstop. And still losing money.  Steve shares a story about a frustrated president who was doing everything he could to turn around his division, but nothing was changing. The harder he worked, the worse it felt. The r...

How Strategy Turns Growth Into Cash Flow | Ep 216 23.02.2026

How much cash is hiding in your business? See if you qualify for a Free Financial Health Check   Financial Intelligence Toolkit   Growth does not automatically create cash flow. A lot of businesses learn that the hard way.  Steve explains how strategy is supposed to turn growth into real free cash flow, not just more revenue and more chaos. He connects the dots between free cash flow, return on in...

The 8 Cash Flow Levers Every Business Owner Should Know | Ep 215 19.02.2026

How much cash is hiding in your business? See if you qualify for a Free Financial Health Check   Financial Intelligence Toolkit   Most business owners think they have a profit problem. What they really have is a cash flow problem.  Steve breaks down the eight cash flow levers that actually control how much money stays in your business. He walks through the four levers tied to profit and the four t...

The 3 Generic Strategies and How to Tell If Yours Is Working | Ep 214 16.02.2026

How much cash is hiding in your business? See if you qualify for a Free Financial Health Check   Financial Intelligence Toolkit   Steve breaks down Michael Porter’s three generic strategies and explains what they really mean. More importantly, he walks through the numbers that reveal whether your strategy is producing real financial results or just sounding good in meetings. If you think you’re di...

The Turnaround I Didn’t Think Was Possible | Ep 213 12.02.2026

How much cash is hiding in your business? See if you qualify for a Free Financial Health Check   Financial Intelligence Toolkit   If you’ve ever laid awake at night wondering if your business is about to collapse, this one will feel real.  Steve shares the story of stepping into a company that was quietly running out of cash, losing money, and far closer to failure than most people knew. Jobs were...

The Most Dangerous Decision Business Owners Face | Ep 212 09.02.2026

How much cash is hiding in your business? See if you qualify for a Free Financial Health Check   Financial Intelligence Toolkit   Most businesses don’t fail overnight. They fail because a hard decision keeps gets delayed.  In this episode, Steve shares real stories from business owners who were one decision away from saving their company and didn’t act in time. He talks about what actually puts ev...

Why Finance Matters More Than You Think | Ep 211 05.02.2026

How much cash is hiding in your business? See if you qualify for a Free Financial Health Check   Financial Intelligence Toolkit   Most people think finance is someone else’s job. The CFO. The CPA. The controller. Steve doesn’t see it that way. In this episode, he explains why every single person in a business affects the financial outcome, whether they realize it or not. He shares a story from ear...

The Fastest Way to Get More Cash Flow | Ep 210 02.02.2026

How much cash is hiding in your business? See if you qualify for a Free Financial Health Check   Financial Intelligence Toolkit   Want more cash flow? This episode is for you. Steve breaks down why taking on more debt usually makes cash flow worse, not better. He shares a real example of a business that got buried by high-interest loans and explains how cash problems actually start much earlier th...

5 Questions That Reveal If Your Strategy Is Working | Ep 209 29.01.2026

How much cash is hiding in your business? See if you qualify for a Free Financial Health Check   Financial Intelligence Toolkit   Most business owners are confident their strategy is solid. Then they get asked a few simple questions and everything gets uncomfortable. In this episode, Steve shares five questions that quickly expose whether your strategy is actually working or just sounds good in me...

The Biggest Mistake You Can Make This Year | Ep 208 26.01.2026

How much cash is hiding in your business? See if you qualify for a Free Financial Health Check   Financial Intelligence Toolkit   The biggest mistake business owners make isn’t marketing, hiring, or growth. It’s ignoring financial literacy.  In this episode, Steve explains how misunderstanding your numbers can quietly lock in a bad year before it even starts. He breaks down why profit doesn’t equa...

Think You're Profitable? Think Again | Ep 207 20.01.2026

How much cash is hiding in your business? See if you qualify for a Free Financial Health Check   Financial Intelligence Toolkit   Most business owners think they’re profitable. Most are wrong.  In this episode, Steve breaks down why even companies with CPAs and clean-looking financials often misunderstand their real margins. He explains how messy books distort gross profit, lead to bad pricing dec...

Listen to This if You Want More Cash Flow in Your Business | Ep 206 12.01.2026

How much cash is hiding in your business? See if you qualify for a Free Financial Health Check   Financial Intelligence Toolkit   Why do profitable businesses still run out of cash?  In this episode, Steve breaks down why cash flow, not revenue or profit, is what actually keeps a business alive. He explains what free cash flow really is, why most owners misunderstand it, and how bad strategy, poor...

Is Your Strategy Any Good? What You Need to Know | Ep 205 29.12.2025

How much cash is hiding in your business? See if you qualify for a Free Financial Health Check   Financial Intelligence Toolkit   You probably think you have a strategy. But is it actually working? Steve breaks down how to tell if your strategy is helping you win or quietly holding you back. He explains why most teams can’t clearly explain the strategy, why the numbers don’t lie, and how profits,...

When KPIs Are a Waste of Time | Ep 204 22.12.2025

How much cash is hiding in your business? See if you qualify for a Free Financial Health Check   Financial Intelligence Toolkit   Most companies track KPIs. Very few actually change behavior because of them. In this episode, Steve explains when KPIs stop helping, and why staring at dashboards doesn’t fix margin, profit, or cash flow. If your numbers keep sliding but nothing changes, this episode w...

How AI and Energy Growth Are Changing Construction with Maja Ericksen of Mortenson | Ep 203 17.12.2025

How much cash is hiding in your business? See if you qualify for a Free Financial Health Check   Financial Intelligence Toolkit   AI and energy demand are quietly reshaping construction, and most people don’t see it yet. Steve speaks with Maja Ericksen, Executive Vice President at Mortenson, to talk about why data centers and power projects are booming, how rural builds are changing the industry,...

Is It Time to Change Your Strategy? | Ep 202 15.12.2025

How much cash is hiding in your business? See if you qualify for a Free Financial Health Check   Financial Intelligence Toolkit    Mission, vision, and values aren’t the problem, but stopping there is. In this episode, Steve explains why most companies mistake dreaming for strategy, how shrinking margins are really created, and what strategy actually looks like when it’s tied to numbers, cash flow...

The Future of Business Strategy in the Age of AI | Ep 201 10.12.2025

How much cash is hiding in your business? See if you qualify for a Free Financial Health Check   Financial Intelligence Toolkit   Steve breaks down why old-school strategy models don’t fully work in an AI world anymore. He explains how the real value drivers have shifted to human capital and intellectual assets, why most companies confuse planning with strategy, and how to actually pick and attack...

Scaling a $50M Plumbing Company with Bob Logan | Ep 200 08.12.2025

How much cash is hiding in your business? See if you qualify for a Free Financial Health Check   Financial Intelligence Toolkit   Steve sits down with Bob Logan, president of Plumbline , a $50M+ plumbing and HVAC company with over 150 techs on the road. They unpack how Bob scaled a residential service business, built a strong leadership team, deals with “poison” employees, uses numbers without a f...

Looking to Buy a Business? Listen to This First | Ep 199 01.12.2025

How much cash is hiding in your business? See if you qualify for a Free Financial Health Check   Financial Intelligence Toolkit   Thinking about buying a business or taking over someone else’s? Before you jump in, Steve breaks down the five things he looks at every single time he evaluates a deal. You’ll learn how he analyzes revenue quality, what he looks for in financials, how he decides if a bu...

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