ADVICE FOR OPERATORS

Graphite Financial Blog

Accounting insights, finance strategies, tax guidance, and operational advice for companies navigating growth, complexity, and change.

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5 min read

CPG Accounting: What Consumer Products Startups Need to Get Right

There's something immensely satisfying about seeing a product you've created sitting on a store shelf. Maybe it's a bottle of hot sauce, a new skincare line, or a snack you spent two years perfecting. There it is, nestled among the established...

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6 min read

What Is a Cash Flow Statement? A Startup Founder's Guide

There's an old expression about money burning a hole in your pocket. For startup founders, the more troubling possibility is that money can disappear...

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6 min read

What Is a P&L Statement? Understanding Your Startup's Profitability

There's a peculiar injustice in business: you can sell more products, attract more customers, work longer hours, and somehow end up making less money.

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6 min read

What Is a Balance Sheet? How to Read and Understand Yours

Imagine taking everything your company owns, placing it in one enormous pile, and attaching a price tag to each item. Then, beside that pile, you...

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6 min read

The Three Financial Statements Every Startup Founder Should Understand

Financial statements are a little like witnesses to a traffic accident. One remembers the speeding car. Another remembers the driver running a red...

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5 min read

GAAP Accounting Explained for Startup Founders

Your startup's books are up to date. Expenses are categorized, bank accounts are reconciled, and your financial reports look reasonable. Then an...

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6 min read

Cash vs. Accrual Accounting: Which Is Right for Your Startup?

Should your startup use cash or accrual accounting? And if you're already using one method, how do you know when it's time to switch?

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8 min read

Accounts Receivable: How to Get Paid and Protect Cash Flow

Winning a new customer is always good news. The contract is signed, the work begins, and the revenue looks promising. But depending on the payment...

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7 min read

Accounts Payable: How to Manage What Your Startup Owes

In the early days of a startup, paying the bills is usually a pretty simple affair. There aren't many vendors, and the founder often knows exactly...

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6 min read

Startup Bookkeeping: What Founders Need to Know

When you're starting a company, bookkeeping probably isn't high on your list of exciting responsibilities. There are customers to find, products to...

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