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Jonathan Napitupulu

Founder, Biztrics

Founder, Biztrics

Small Business Cash Reserves: How Much Is Enough?
Cash Planning

Small Business Cash Reserves: How Much Is Enough?

21 Oct 2026 · 7 min read

Working Capital Opportunity: What Small Firms Should Copy
Working Capital

Working Capital Opportunity: What Small Firms Should Copy

16 Oct 2026 · 7 min read

Debt vs Equity Financing for a Bootstrapped Business
Financing

Debt vs Equity Financing for a Bootstrapped Business

21 Sept 2026 · 3 min read

Five Financial Reports Small Business Owners Should Read Monthly
Reporting

Five Financial Reports Small Business Owners Should Read Monthly

14 Sept 2026 · 3 min read

Budget Variance Analysis Without a Finance Degree
Reporting

Budget Variance Analysis Without a Finance Degree

7 Sept 2026 · 3 min read

Cash Flow Statement Sections: Operating, Investing, Financing
Financial Statements

Cash Flow Statement Sections: Operating, Investing, Financing

31 Aug 2026 · 3 min read

Inventory Turnover Ratio and the Cash It Traps
Working Capital

Inventory Turnover Ratio and the Cash It Traps

24 Aug 2026 · 3 min read

When to Hire a Bookkeeper, Accountant, or Fractional CFO
Team

When to Hire a Bookkeeper, Accountant, or Fractional CFO

17 Aug 2026 · 3 min read

Financial Scenario Planning for the Next Two Quarters
Planning

Financial Scenario Planning for the Next Two Quarters

10 Aug 2026 · 3 min read

Deferred Revenue Explained: Why the Bank Balance Lies
Accounting Basics

Deferred Revenue Explained: Why the Bank Balance Lies

3 Aug 2026 · 3 min read

Cost-Based Pricing When You Do Not Know True Costs
Pricing

Cost-Based Pricing When You Do Not Know True Costs

27 Jul 2026 · 3 min read

SaaS Unit Economics: CAC, LTV, and Payback
SaaS Metrics

SaaS Unit Economics: CAC, LTV, and Payback

20 Jul 2026 · 4 min read

Owner's Numbers

Cash flow, margins and working capital, explained for business owners.

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