 ARE YOU RELYING ON FINANCE THAT SIMPLY "GETS BY"? Â
Strategic Finance for Growth-Driven Businesses
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The Only Platform That Combines Strategy, Financial Intelligence, & Execution
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Live Forecasts | Real-Time KPIs | Strategy Execution | Finance & Scaling Workshops
Get the clarity you need to grow
Without the Right Financial Insights, Growing a Business Is Hard
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You've built a successful company, but scaling comes with financial blind spots:
UNPREDICTABLE CASH FLOW
You don’t know when, where, or how cash will come in
SLOW DECISION-MAKING
You’re guessing instead of using real-time financial insights
MISSED GROWTH OPPORTUNITIES
You see ways to scale but lack the financial confidence to act
NO CLEAR STRATEGY FOR CAPITAL
Debt, equity, reinvestment—what’s the best path?
YOUR STRATEGIC PLAN IS JUST A TO-DO LIST
You have action items but no framework to create a competitive advantage
Too many CFOs are buried in compliance—tracking budgets, reconciling reports, and managing transactions—while CEOs are desperate for real strategic finance that drives growth. Finance should be a competitive advantage, not just a back-office function. That’s why we built Coltivar—to combine financial intelligence, strategic execution, and technology so businesses can scale with confidence and create real value.
— STEVE COUGHRAN, FOUNDER, COLTIVAR
The Pioneers of Strategic Finance
Coltivar isn’t just another finance solution—we’ve been leading the strategic finance movement for nearly two decades.
- 1M+ Podcast Downloads – Steve Coughran’s Boosting Your Financial IQ and Business Strategy Podcasts have helped over a million business leaders rethink finance and strategy
- The Free Financial Pro Program – Through BYFIQ, we offer free financial education to thousands of professionals—because strategic finance shouldn’t be reserved for Fortune 500 companies
- A Proven Approach to Financial Intelligence – Coltivar brings this expertise into a single, actionable platform designed to help businesses scale smarter, not just bigger
You don’t need another spreadsheet.
 You need a system built by the pioneers of strategic finance. Â
You Know How to Grow Sales—But What About Finance?
SCALING A BUSINESS MEANS MAKINGÂ SMARTER FINANCIAL DECISIONS, NOT JUST BIGGER ONES.
You need to optimize cash flow, allocate capital wisely, and ensure every decision moves the business forward.
But most finance solutions don’t help you do that.
WHY?
Accountants focus on compliance, not growth
Consultants build strategies, but don’t link them to financial execution
Spreadsheets and reports give you numbers but not actionable insights
CFOs are expensive and stretched thin—reacting instead of leading
Coltivar Changes That
With Coltivar, you don’t just track numbers—you use them to drive better business outcomes, backed by ongoing strategic CFO-level guidance.
INTELLIGENT FORECASTING
See where your business is headed before problems arise
LIVE KPI DASHBOARDS
Monitor financial and strategic performance in real-time
STRATEGIC EXECUTION
Align capital, cash flow, and key decisions with long-term goals
CFO-LEVEL GUIDANCE & INSIGHTS
Access expert-level financial strategy to optimize growth, capital allocation, and performance
WORKSHOPS & UPSKILLING
Strengthen your team’s expertise in strategy, finance, and sales/marketing to scale faster and smarter
WHO IS COLTIVAR FOR?
Coltivar is for small to mid-sized businesses—with or without a CFO—that are ready to:
- Implement a strategic finance system that drives better decision-making
- Leverage a powerful technology & data platform for real-time insights
- Integrate strategy, execution, and financial intelligence to scale faster
Most businesses outgrow their financial systems before they realize it. Maybe you have:
- A bookkeeper or accountant handling the basics—but no financial leadership guiding big decisions
- An overwhelmed CFO or finance team—buried in reporting instead of driving strategy
- Financial reports, but no financial intelligence—you see the numbers, but don’t know what to do with them
That can change today.
More Than a CFO—A Complete Financial Operating System for Your Business
When you work with Coltivar, you don't just get a strategic financial partner—you get a system designed to optimize cash flow, track performance, and accelerate growth.
ACCURATELY PREDICT YOUR CASH FLOW
Know exactly when and where money is coming
TRACK YOUR KPIS IN REAL-TIME
See how every decision impacts performance
CREATE STRATEGIC FINANCIAL PLANS
Align capital, growth, and profitability
We Can Transform Your Business—But First, Let’s See If There’s a Fit
That’s why we created the  14-Day BOOST Program.Â
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Think of it as a test drive before we go full speed ahead. We’ll analyze your business, build your custom financial strategy, and show you exactly how we can unlock growth.
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If there’s a fit, we move forward. If not, no worries—you’ll walk away with deep financial insights and a clear action plan.
We know what’s holding you back, that’s why we make it simple.
 READY TO GET STARTED WITH US? Â
Jumpstart your financial success with BOOST, our 14-day KPI Kickoff program
Get Strategic Financial Clarity in Just 14 Days
No burden. No risk. Just results.
APPLY & SUBMIT FINANCIALS
RECEIVE A FULL FINANCIAL & STRATEGIC ASSESSMENT
GET YOURÂ CUSTOM STRATEGIC ROADMAP
Gain a clear action plan focusing on your top 2-3 strategic priorities for growth
Unlock hidden cash and fuel expansion with the 7 levers of cash flow
Meet 1:1 with a CFO-level executive to review results, recommendations, and next steps
Are You Running Your Business or Is Cash Running You?
Profit is great—but cash flow is what keeps your business alive.
Too many companies grow their revenue but struggle to keep cash on hand. Sound familiar?
 IF YOU'VE EVER ASKED YOURSELF:Â
- "Where did all the money go?"
- "Why does my business look profitable on paper but feel cash-strapped?"
- "How do I make sure I never run out of cash? "
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Then you need Cash Flow—a straight-talking, no-nonsense guide to unlocking the 7 levers of cash flow optimization.
We’ll even send you a copy for free—you just cover shipping.
YOUR BUSINESS RUNS ON DATA, IT'S TIME TO USE IT STRATEGICALLY
Coltivar’s proprietary platform turns raw financials into actionable intelligence, helping you make faster, smarter business decisions.
Stop flying blind. Start scaling with confidence.
What business leaders are saying
Partnering with Coltivar has been a game-changer for our family-run business. What really stands out is their genuine care and personalized approach, guiding us with effective tools and systems to improve our financial health and streamline operations.
Coltivar helped us get financial clarity we never had before. Now we track our KPIs, forecast our cash flow, and actually know where to focus. We saw a 15% increase in free cash flow within six months.
