BSBR Educational Resources

Business Improvement

The Business Owner's Journey: Part 3 Declining or Plateaued Growth

The Business Owner's Journey eBook

Part 3: Declining or Plateaued Growth

Part 3 The Business Owner's Journey Ebook

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There comes a time in every business when sales slow or even decline.  What do you do when this happens?  Does it mean the end of your business? There are so many questions floating around inside your head.  This short eBook is designed to help you create answers to all of those questions and keep your business thriving.  

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The Business Owner's Journey: Part 1 Early Stage from Inception to Rapid Growth

The Business Owner's Journey eBook

Part 1: Early Stage from Inception to Rapid Growth

The Business Owner's Journey Ebook

Click on the image to download the eBook.

This quick read gives business owners insight into the rewards and challenges of owning their own business.  The eBook offers suggestions and best practices on how to create a strong and durable business.  At the end of the eBook is an Early Stage Self Assessment, designed to get owners thinking and examining their operations. 

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The Business Owner's Journey: Part 2 Rapid Growth

The Business Owner's Journey eBook

Part 2: Rapid Growth

Part 2 The Business Owner's Journey Ebook

Click the button to download the eBook. 

Surviving the start up phase and making it to rapid growth is no small feat, and it warrants taking a moment to reflect on everything you have achieved by becoming one of the elite 10%.  Don't take too long to celebrate, now it's time to roll up your sleeves and get back to work with new and exciting challenges.  This eBook shares with you many issues you are now likely to face and how to re…

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What is a Business & Market Strategy Guide?

Business & Market Strategy Guide

Business & Market Strategy Guide...AKA B&MSG

Dictionary Definition

IRS Revenue Ruling 59-60 determines the basis of fair market value. It states that fair market value is, "The amount at which the property would change hands between a willing buyer and willing seller when the former is not under any compulsion to buy, and the latter is not under any compulsion to sell, both parties having a reasonable knowledge of relevant facts."


Plain English

A calculation estimating how much money someo…

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What is a Working Capital PEG?

Woking capital (1)

Working Capital PEG

Dictionary Definition

A benchmark or baseline amount of net working capital that is agreed upon by the buyer and the seller and is usually determined toward the end of financial due diligence.


Plain English

The Working Capital PEG negotiated between the buyer and the seller. It is the WC amount that will be left in the business as of the date of closing.

What is negotiated?  The basic formula of assets - liabilities = WC is hardly ever the calculation used when negotia…

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What is Working Capital?

Woking capital

Working Capital

Dictionary Definition

This ratio reflects the ability to finance current operations and is a measure of the margin of protection for current creditors. This ratio also indicates how efficiently working capital is being used. A low ratio (close to zero) may indicate inefficient use of working capital. A high ratio (high positive or high negative) often signifies overtrading, creating a vulnerable position for creditors.


Plain English

The capital of a business which is used i…

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Three Common Mistakes Business Owners Make When Selling Their Business: Part 2

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Part 2: Business Preparation


So, you are ready to sell your business. Where do you start? Should you put a “for sale” sign in the window and contact the newspaper to attract buyers? I hope common sense is jumping in at this point and a few warning sirens going off.  

In the Forbes article “The Business For Sale Marketplace - - Why 90% of Listings Never Sell” (Oct 24, 2016), only 10% of businesses trying to sell actually get to the closing. This information is based on IBBA (International Bus…

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Accountability-Capable Commitment Procedures

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Dr. Gruder is Blue Sky’s business psychologist. Dr. Gruder discusses overcoming toxic workplaces, creating accountability, and practical ways to implement accountability and reverse a toxic workplace.

Dr. Gruder defines accountability as:

“taking responsibility for the impacts that the choices I make about how I spend my life energy have on those to whom I’ve made commitments.”

To help illustrate this, he defines mis-using accountability as coercion or punishment that destroys good will. …

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