This book is written for owners of small and medium sized companies, who struggle to manage their business finances, to give them the tools they need to run their businesses on a financially sound basis. So if you are an SME owner but the financial issues send you running for cover, this book is for you. Many business owners do not have the businesses they deserve because they do not have sufficient financial information to make the right decisions. Whilst most businesses have an accountant and/or bookkeeper, often the information they provide is geared towards providing the statutory reports required by the Government, rather than information the business owner can use to run their businesses more effectively. Many business owners are also unaware that simple changes in the way they deal with customers, suppliers and the banks can significantly improve their cash flow. Robust planning is key to ensuring a business grows as the owner wants rather than being a hostage to fate, and resulting financial forecasts help to give clear targets to work towards. All these are aspects of managing a business successfully. This book aims to help business owners better manage all aspects of their finances - in a practical way.