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 X Factor and How it Drives Higher Profits | Ep 150 20.01.2025

How much cash is hiding in your business? See if you qualify for a Free Financial Health Check   Financial Intelligence Toolkit   What if a single number could transform how you think about discounts, broken tools, or even your team’s decisions? In this episode, Steve reveals the "X Factor"—a deceptively simple formula that will make you rethink every dollar in your business. Learn how t...

The 4 Levers of Profit You Must Know | Ep 149 15.01.2025

How much cash is hiding in your business? See if you qualify for a Free Financial Health Check   Financial Intelligence Toolkit   Are you leaving money on the table without even knowing it? In this episode, Steve dives straight into the four levers of profitability —the critical factors that can make or break your bottom line. Learn why most business leaders get it wrong, how a simple 1% change ca...

If You Are 15-25 Years Old, Listen to This | Ep 148 13.01.2025

How much cash is hiding in your business? See if you qualify for a Free Financial Health Check   Financial Intelligence Toolkit   Are you ready to make decisions today that your future self will thank you for?  In this episode, Steve dives into the life-changing milestones and tough lessons learned on the journey from struggle to success. Whether you're starting your first job, launching a bu...

Want to Increase Your Financial IQ? Here's Exactly How to Get Started | Ep 147 06.01.2025

How much cash is hiding in your business? See if you qualify for a Free Financial Health Check   Financial Intelligence Toolkit   BYFIQ   Steve shares a game-changing opportunity to master your finances—all for free. He walks you through the first steps to improving your financial skills, no matter your background. Curious how learning the right financial strategies can elevate your career or busi...

I Promise This Will Change Your Financial Future | Ep 146 01.01.2025

How much cash is hiding in your business? See if you qualify for a Free Financial Health Check   Financial Intelligence Toolkit   Finance is the language of business, and becoming fluent in it can transform your life. In this episode, Steve shares a bold move: his premium financial literacy courses are now completely free. No strings attached, just top-tier content designed to help you master the...

What is Invested Capital and Why Should You Care | Ep 145 23.12.2024

How much cash is hiding in your business? See if you qualify for a Free Financial Health Check   Financial Intelligence Toolkit   Is your business truly profitable, or is it running on borrowed time? In this episode, Steve dives into the game-changing concept of invested capital—what it is, why it matters, and how it can transform your decision-making and growth strategy. Learn how to measure effi...

Profit Explained. The Difference Between Gross, Operating, and Net | Ep 144 16.12.2024

How much cash is hiding in your business? See if you qualify for a Free Financial Health Check   Financial Intelligence Toolkit   In this episode, Steve dives deep into the three critical types of profit every business leader must understand.  Gross profit, operating profit, and net profit each hold the key to uncovering your business's financial health—and mastering them can set you apart in...

Neglecting This Aspect of Revenue Recognition Can Harm Your Business | Ep 143 09.12.2024

How much cash is hiding in your business? See if you qualify for a Free Financial Health Check   Financial Intelligence Toolkit   Is your profit really profit, or just an illusion? In this episode, Steve pulls back the curtain on the hidden traps of cash-basis accounting, exposing how tools like QuickBooks can trick business owners into celebrating wins that don’t exist. With a jaw-dropping exampl...

Want to Learn Finance? Here's How to Get Started | Ep 142 02.12.2024

How much cash is hiding in your business? See if you qualify for a Free Financial Health Check   Financial Intelligence Toolkit   Discover how Steve turned early struggles into a roadmap for financial mastery. From building multimillion-dollar businesses to creating over $1 billion in value, Steve shares the seven steps that transformed his financial IQ. Packed with personal stories, surprising le...

Lessons from Three Decades of Financial Expertise | Ep 141 25.11.2024

How much cash is hiding in your business? See if you qualify for a Free Financial Health Check   Financial Intelligence Toolkit   Ever wondered what separates successful business leaders from the rest? In this episode, Steve shares his journey from a broke 16-year-old hustling at Dairy Queen to creating over a billion dollars in value for companies. Packed with real-life lessons, hard-earned insig...

Finance, Business, and Life: Q&A with Steve | Ep 140 18.11.2024

How much cash is hiding in your business? See if you qualify for a Free Financial Health Check   Financial Intelligence Toolkit   In this episode, Steve dives into an engaging Q&A session fueled by real questions from listeners who took the Financial IQ Assessment. From bootstrapping your business and mastering financial strategies to overcoming setbacks and seizing opportunities, Steve shares...

Is Your Company Really Making Money? | Ep 139 11.11.2024

How much cash is hiding in your business? See if you qualify for a Free Financial Health Check   Financial Intelligence Toolkit   Is your business truly profitable, or just looking good on paper? In this episode, Steve Coughran dives deep into the often-misunderstood world of profitability. Drawing insights from his book Outsizing and research on 300+ companies, he explains why accounting profit d...

Why You Should Pay Yourself First | Ep 138 04.11.2024

How much cash is hiding in your business? See if you qualify for a Free Financial Health Check   Financial Intelligence Toolkit   In this episode, Steve emphasizes the importance of proactively managing finances in both business and personal life by following a simple yet powerful principle: pay yourself first. He guides listeners on how to set aside profit consistently by calculating a desired pr...

I Spent 8 Years Studying Finance In School. Here's What I Learned | Ep 137 21.10.2024

How much cash is hiding in your business? See if you qualify for a Free Financial Health Check   Financial Intelligence Toolkit   Not understanding cash flow can put your business at serious risk. In this episode, Steve Coughran emphasizes the critical importance of mastering free cash flow for business success. Drawing from his own experiences and real-world examples, Steve highlights how busines...

How to Start Learning Finance to Avoid Costly Mistakes | Ep 136 14.10.2024

How much cash is hiding in your business? See if you qualify for a Free Financial Health Check   Financial Intelligence Toolkit   Not understanding financial statements can cost your business big time. In this episode, Steve shares his personal experience of guessing his way through business finances early on and the costly mistakes he made. Steve discusses why mastering financial literacy is crit...

You Have Profits, But No Cash. Here's Why | Ep 135 07.10.2024

How much cash is hiding in your business? See if you qualify for a Free Financial Health Check   Financial Intelligence Toolkit   Learn why having profits doesn't always mean having cash and how it could be holding your business back. Steve breaks down common cash flow issues and explains how your inventory and accounts receivable might be tying up cash. In this episode, you'll discover...

Here's a Pivot You'll Want to Hear About | Ep 134 30.09.2024

How much cash is hiding in your business? See if you qualify for a Free Financial Health Check   Financial Intelligence Toolkit   In this episode, Steve takes you behind the scenes and shares a personal story about how the podcast started and how it evolved over time. He also reveals a shift in focus towards his other podcast, Business Strategy and Finance, which combines strategy and finance for...

Listen to This to Avoid Growing Yourself Out of Business | Ep 133 23.09.2024

How much cash is hiding in your business? See if you qualify for a Free Financial Health Check   Financial Intelligence Toolkit   In this episode, Steve discusses a critical yet often overlooked issue for fast-growing businesses—managing capital intensity. He explains how, even with profitability, a business can face bankruptcy if working capital and capital expenditures are mismanaged. Steve shar...

The #1 Skill You Should Master From Billionaire Tilman Fertitta | Ep 132 16.09.2024

How much cash is hiding in your business? See if you qualify for a Free Financial Health Check   Financial Intelligence Toolkit   In this episode, Steve emphasizes the critical importance of knowing your numbers to achieve success in business. Drawing insights from billionaire Tilman Fertitta’s book Shut Up and Listen , he shares how understanding key financial metrics like customer acquisition co...

The 6 Drivers of Financial Fitness | Ep 131 09.09.2024

How much cash is hiding in your business? See if you qualify for a Free Financial Health Check   Financial Intelligence Toolkit   In this episode, Steve discusses the key strategies for boosting financial success, including innovative investment ideas, smart savings tips, and effective debt management techniques. Tune in to learn practical advice for improving your financial health and achieving l...

What Surprised Me About Your Financial IQ Assessments | Ep 130 02.09.2024

How much cash is hiding in your business? See if you qualify for a Free Financial Health Check   Financial Intelligence Toolkit   Uncover surprising insights from over 1,000 Financial IQ assessments and learn why many struggle with financial decision-making. Explore how enhancing your financial literacy can drive business success and personal growth. Discover key strategies for creating value, boo...

5 Financial Skills I Wish I Had When Starting in Business | Ep 129 26.08.2024

How much cash is hiding in your business? See if you qualify for a Free Financial Health Check   Financial Intelligence Toolkit   In this episode, Steve reveals the top five financial skills he wishes he had when starting his business. From mastering financial statements to advanced forecasting and valuation techniques, Steve shares practical insights that can transform your business acumen. Wheth...

Financial Skills to Pay the Bills | Ep 128 19.08.2024

How much cash is hiding in your business? See if you qualify for a Free Financial Health Check   Financial Intelligence Toolkit   In this episode, Steve delves into the importance of financial skills and how mastering them can drive business success. Drawing from his experience as a CFO and his work with multi-million and billion-dollar companies, Steve highlights key concepts like building accura...

How to Read These 3 Essential Financial Statements | Ep 127 12.08.2024

How much cash is hiding in your business? See if you qualify for a Free Financial Health Check   Financial Intelligence Toolkit   Are you making the same costly mistakes in your business without even knowing it? In this episode, Steve dives deep into the three essential financial statements every business owner must know: the income statement, balance sheet, and statement of cash flows. Learn how...

Do You Know Your Financial IQ Score? | Ep 126 05.08.2024

How much cash is hiding in your business? See if you qualify for a Free Financial Health Check   Financial Intelligence Toolkit   In this episode, I dive into a fascinating analogy between overconfidence in the kitchen and financial literacy in business. It all started while watching an episode of MasterChef, one of my favorite shows. I was struck by the overconfidence of a contestant named Mark,...

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