IMnS Associates

It's glad that our team has Qualified Financial Modeler - Certified by the Financial Modeling Institute (FMI). It's one of the prestigious and globally recognized qualification. #financialmodeling #fullstackmodeller #imnsassociates #fmi #fmwc #fsm

54% of business owners say their financial mistakes had long-term impacts. The small slips in finance can snowball into huge challenges. Look out for these 15 𝐜𝐨𝐦𝐦𝐨𝐧 𝐟𝐢𝐧𝐚𝐧𝐜𝐞 𝐞𝐫𝐫𝐨𝐫𝐬: → 𝐌𝐢𝐬𝐫𝐞𝐚𝐝𝐢𝐧𝐠 Profit Margins → 𝐅𝐨𝐜𝐮𝐬𝐢𝐧𝐠 Only on Revenue → 𝐂𝐨𝐧𝐟𝐮𝐬𝐢𝐧𝐠 Cash Flow with Profit → 𝐈𝐠𝐧𝐨𝐫𝐢𝐧𝐠 Burn Rate → 𝐎𝐛𝐬𝐞𝐬𝐬𝐢𝐧𝐠 Over Vanity Metrics → 𝐔𝐧𝐝𝐞𝐫𝐞𝐬𝐭𝐢𝐦𝐚𝐭𝐢𝐧𝐠 Fixed Costs → 𝐍𝐨𝐭 𝐀𝐜𝐜𝐨𝐮𝐧𝐭𝐢𝐧𝐠 for Depreciation → 𝐈𝐠𝐧𝐨𝐫𝐢𝐧𝐠 Seasonality → 𝐔𝐧𝐝𝐞𝐫𝐞𝐬𝐭𝐢𝐦𝐚𝐭𝐢𝐧𝐠 Tax Liabilities → 𝐍𝐞𝐠𝐥𝐞𝐜𝐭𝐢𝐧𝐠 Employee-Related Costs → 𝐎𝐯𝐞𝐫-𝐫𝐞𝐥𝐢𝐚𝐧𝐜𝐞 on One Customer → 𝐌𝐢𝐬𝐣𝐮𝐝𝐠𝐢𝐧𝐠 Product Lifecycle Costs → 𝐔𝐧𝐝𝐞𝐫𝐞𝐬𝐭𝐢𝐦𝐚𝐭𝐢𝐧𝐠 Capital Expenditures → 𝐍𝐨𝐭 𝐒𝐭𝐫𝐞𝐬𝐬 𝐓𝐞𝐬𝐭𝐢𝐧𝐠 the Business → 𝐍𝐨𝐭 𝐒𝐞𝐞𝐤𝐢𝐧𝐠 Professional Help Which of these would you watch out for?

Building a 𝐟𝐢𝐧𝐚𝐧𝐜𝐞 𝐭𝐞𝐚𝐦 is not easy! Technical skills are necessary, but running things smoothly under pressure is what sets you apart. Here are 10 𝐤𝐞𝐲 𝐭𝐫𝐚𝐢𝐭𝐬 that every high-performing finance team should have: → Clear Roles & Responsibilities → Strong Communication → Attention to Detail → Tech-Savvy → Collaboration → Adaptability → Ethics & Integrity → Continuous Learning → Proactive Problem Solving → Strong Leadership Got all these down? You’re 𝐚𝐥𝐫𝐞𝐚𝐝𝐲 𝐰𝐢𝐧𝐧𝐢𝐧𝐠. If not, it’s 𝐭𝐢𝐦𝐞 𝐭𝐨 𝐥𝐞𝐯𝐞𝐥 𝐮𝐩! What do you think?

Unnecessary precision leads to false accuracy! When it comes to financial models, there's always some uncertainty. We base our projections on the best estimates we have at the moment, but those numbers aren’t set in stone. So, why do people still present these models as they know the future with 100% precision? The thing is, the output is only as good as the input. If we’re not careful about the assumptions we’re feeding into the model, the results can be way off. A model should give us a general sense of direction, not some overly specific number we cling to. For example, instead of saying, “Our company will be worth exactly $101.53m by 2040,” a smarter approach is, “Based on the assumptions, we estimate the value to be around $100m.” See the difference? One is realistic; the other is just wishful thinking. So, next time someone throws around a super precise number, ask questions. What assumptions did they use? Was there any scenario analysis? Don’t fall for false accuracy—always dig deeper!

Are you 𝐫𝐚𝐢𝐬𝐢𝐧𝐠 𝐜𝐚𝐩𝐢𝐭𝐚𝐥? The journey to securing funding can feel like climbing Everest in the middle of a storm. It’s totally manageable if you break it down into simple steps. Here’s how: ↪ 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐌𝐨𝐝𝐞𝐥  Investors need to see how you’ll realize your vision. Show them the best and worst-case scenarios. ↪ 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐒𝐭𝐚𝐭𝐞𝐦𝐞𝐧𝐭𝐬 Investors want to know where you’ve been and where you’re heading. ↪ 𝐏𝐢𝐭𝐜𝐡 𝐃𝐞𝐜𝐤 This is your story! Showcase your product, market, team, and financials in one compelling narrative. ↪ 𝐂𝐚𝐩 𝐓𝐚𝐛𝐥𝐞 Who owns what? Clear this up so investors understand your ownership structure. ↪ 𝐅𝐨𝐫𝐦𝐚𝐭𝐢𝐨𝐧 𝐃𝐨𝐜𝐬 Get your paperwork in order. Investors love a strong foundation. ↪ 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐃𝐚𝐭𝐚 Extra metrics always help. Be ready to go beyond basic financial statements. ↪ 𝐂𝐨𝐦𝐩𝐞𝐭𝐢𝐭𝐢𝐯𝐞 𝐀𝐝𝐯𝐚𝐧𝐭𝐚𝐠𝐞 What makes your business untouchable? Investors need to know. ↪ 𝐁𝐢𝐠 𝐎𝐩𝐩𝐨𝐫𝐭𝐮𝐧𝐢𝐭𝐲 Show how your business can scale and bring in massive growth. ↪ 𝐒𝐭𝐫𝐨𝐧𝐠 𝐓𝐞𝐚𝐦 A brilliant team is just as important as a brilliant idea. ↪ 𝐅𝐚𝐢𝐥 𝐅𝐨𝐫𝐰𝐚𝐫𝐝 Entrepreneurship is all about learning from failure and adapting. Show your resilience. Raising capital isn’t just about the money—it’s about finding the 𝐫𝐢𝐠𝐡𝐭 𝐩𝐚𝐫𝐭𝐧𝐞𝐫 who believe in your vision. What’s been your 𝐛𝐢𝐠𝐠𝐞𝐬𝐭 𝐜𝐡𝐚𝐥𝐥𝐞𝐧𝐠𝐞 in raising capital?

Six essential 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐭𝐢𝐩𝐬 to secure your future! To all the Millennials and Gen Zs out there, these hacks will help you build a 𝐫𝐨𝐜𝐤-𝐬𝐨𝐥𝐢𝐝 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐟𝐨𝐮𝐧𝐝𝐚𝐭𝐢𝐨𝐧. ➡ 𝐂𝐫𝐞𝐚𝐭𝐞 𝐚 𝐒𝐩𝐞𝐧𝐝𝐢𝐧𝐠 𝐏𝐥𝐚𝐧 ↳ Create a budget to keep track of your money's spending each month.  ↳ This will give you a clear picture of your finances and help you cut unnecessary expenses. ➡ 𝐄𝐬𝐭𝐚𝐛𝐥𝐢𝐬𝐡 𝐚𝐧 𝐄𝐦𝐞𝐫𝐠𝐞𝐧𝐜𝐲 𝐂𝐮𝐬𝐡𝐢𝐨𝐧 ↳ Save up to 3-6 months of living expenses in an emergency fund.  ↳ This safety net will keep you afloat when life throws unexpected financial challenges your way. ➡ 𝐓𝐚𝐜𝐤𝐥𝐞 𝐇𝐢𝐠𝐡-𝐈𝐧𝐭𝐞𝐫𝐞𝐬𝐭 𝐃𝐞𝐛𝐭 𝐅𝐢𝐫𝐬𝐭 ↳ Prioritize paying off any high-interest debt (like credit cards).  ↳ Reducing this burden saves on interest and boosts your financial health. ➡ 𝐒𝐞𝐭 𝐔𝐩 𝐀𝐮𝐭𝐨𝐦𝐚𝐭𝐢𝐜 𝐒𝐚𝐯𝐢𝐧𝐠𝐬 ↳ Make saving effortless by automating transfers to your savings account.  ↳ This ensures you're consistently saving without needing to think about it. ➡ 𝐋𝐢𝐯𝐞 𝐖𝐢𝐭𝐡𝐢𝐧 𝐘𝐨𝐮𝐫 𝐌𝐞𝐚𝐧𝐬 ↳ Spend less than you earn to avoid lifestyle inflation.  ↳ This simple habit allows you to save more and invest in long-term financial security. ➡ 𝐒𝐭𝐚𝐫𝐭 𝐈𝐧𝐯𝐞𝐬𝐭𝐢𝐧𝐠 𝐄𝐚𝐫𝐥𝐲 ↳ The earlier you invest, the more time your money has to grow.  ↳ Even small investments made consistently will pay off in the long run. Building wealth is about creating smart habits and sticking to them! Agree?

Could your daily $4 habit turn into $229 a month? How can those small 𝐝𝐚𝐢𝐥𝐲 𝐞𝐱𝐩𝐞𝐧𝐬𝐞𝐬 really add up over time? You might not think twice about spending $4 on snacks, apps, or delivery fees every day, but what if you put that money to work instead? The 𝐩𝐨𝐰𝐞𝐫 𝐨𝐟 𝐜𝐨𝐦𝐩𝐨𝐮𝐧𝐝𝐢𝐧𝐠 is real and could completely reshape your financial future. Let me show you: 𝐏𝐞𝐫𝐬𝐨𝐧 𝐀: Spends $4 on snacks every day $4 a weekday doesn't seem much, right? That’s $80 a month or $960 a year Over 20 years, that's $19,200 spent on snacks Result: Satisfied cravings, but $19,200 is gone! 𝐏𝐞𝐫𝐬𝐨𝐧 𝐁: Invests $4 instead of buying snacks Invests $4 a day That’s $80 a month or $960 a year Over 20 years, with a 10% annual ROI, that grows to $61,442 Plus, it generates some amount per month in passive income from dividends. Result: A substantial long-term gain and an extra monthly income stream. It’s all about the choices we make with our money. Small, every day habits can make a big difference when compounded over time. What would you choose? 𝐒𝐧𝐚𝐜𝐤𝐬 𝐨𝐫 𝐢𝐧𝐯𝐞𝐬𝐭𝐦𝐞𝐧𝐭𝐬?

Running a small business means mastering the art of wearing multiple hats. One of those hats? Finance. Here's a guide to help you understand the essentials

Relocating an office sounds exciting—until you run into the reality of space constraints. Moving to a new place is rarely smooth. Here are some challenges that come up: → Using every square foot effectively can feel like solving a puzzle. From desks to storage, it’s all about balance. → Coordinating with movers, scheduling around work hours, and dealing with delays. → A new location means new commutes and workspaces for the team. Making sure they feel comfortable and productive is a top priority. Planning can make the process smoother. But it’s no small feat. All our plans didn't work out as we had thought. Phew! Have you faced similar challenges during a move?

A financial model uses theories to analyze business numbers and make smart predictions. Financial models are useful for all kinds of industries. Here’s what they help with: ➡️ Check if you have enough resources ➡️ Spot potential risks ➡️ Share financial info with the public and stakeholders ➡️ Review business strategies ➡️ Create reports for regulators ➡️ Make big financial decisions like mergers or investments ➡️ Manage your assets ➡️ Run stress tests ➡️ Predict future sales trends While super helpful, financial models can be risky since they predict the unknown and might lead to wrong decisions. To cut down on these risks, finance professionals do model validation. This checks the model for errors and makes sure it works as expected, also highlighting any limitations for better decision-making.