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![How to Calculate Debt-to-Equity Ratio](https://images.ctfassets.net/40w0m41bmydz/5tPd8B199ctdFNRAzHZoOk/5d945255bbbe0273ee5d256e730d19e7/CDT-878_Organic_content_thumbnail_financial_mgmt_04.png?w=680&h=385&q=50&fm=png)
What is a good debt-to-equity ratio? Get the lowdown with our simple guide.
![Average Revenue Per User: Calculating and Interpreting ARPU](https://images.ctfassets.net/40w0m41bmydz/4MeE0LMPQd9WpaUMAr3Utc/9ccfd42c0f53a69b5fcff6ffa22b6776/CDT-878_Organic_content_thumbnail_growth_02.png?w=680&h=385&q=50&fm=png)
Does your business have a good average ARPU? Read on to find out.
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Find out more about online bookkeeping for a small business.
![Operating Cash Flow vs. Free Cash Flow](https://images.ctfassets.net/40w0m41bmydz/5k4G6L6FU0Su0hb323lJ1M/477fa4933b4d468e63fdd2932ccfecec/CDT-878_Organic_content_thumbnail_cashflow_02.png?w=680&h=384&q=50&fm=png)
Is operating cash flow the same as free cash flow? Find out with our guide.
![When Should Your Business Issue an Invoice?](https://images.ctfassets.net/40w0m41bmydz/33loAp4caSj6BlCYZFJnGK/ff93eea720ddffd34f559277350b2e09/CDT-878_Organic_content_thumbnail_financial_mgmt_03.png?w=680&h=385&q=50&fm=png)
At what point should your business issue an invoice? Read on to learn more.
![What is customer lifetime value (CLV)?](https://images.ctfassets.net/40w0m41bmydz/29QbOHiWf7BmGT4qi7Q9as/f2c201dbcea29392fa7c98cf52d781b4/CDT-878_Organic_content_thumbnail_subscription_03.png?w=680&h=384&q=50&fm=png)
Customer lifetime value is an important, customer-centric metric. Read on.
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PCI DSS compliance is crucial when taking card payments. Here's how to do it.
![What is cash flow forecasting?](https://images.ctfassets.net/40w0m41bmydz/7DLe4dghxeYE2jzXWA5FOG/4395c8d722bf521280b528867740eb9c/CDT-878_Organic_content_thumbnail_cashflow_03.png?w=680&h=384&q=50&fm=png)
Forecasting cash flow can help you make important investment decisions...
![ROAS vs. ROI: what’s the difference?](https://images.ctfassets.net/40w0m41bmydz/4DgVCZKwwwFL2NT1pKIv9w/02fee868eaa2d8f393175170ed461ddf/CDT-878_Organic_content_thumbnail_growth_02.png?w=680&h=385&q=50&fm=png)
Understand the difference between ROI and ROAS with our definitive guide.
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Learn how to write a financial plan for a start-up business with our easy guide.
![GoCardless partners with YayPay to offer faster automated b2b payment collection](https://images.ctfassets.net/40w0m41bmydz/60bwUP46RzHJcQpfomyryB/0c5d23a513f902b5624a68024c010ce3/CDT-1100__GoCardless____Yaypay_announcement.png?w=680&h=385&q=50&fm=png)
YayPay will integrate GoCardless’ global network with its AR offering.
![PCI fines and penalties](https://images.ctfassets.net/40w0m41bmydz/9uxVutGukjh6nqCwc9ceR/7bdd6100dc86e39c65336b1a71b678a8/CDT-878_Organic_content_thumbnail_regulation_04.png?w=680&h=385&q=50&fm=png)
Find out everything you need to know about PCI DSS fines and penalties.
![How to increase customer engagement for SMEs](https://images.ctfassets.net/40w0m41bmydz/MPK8UClmwoBy0gGxj670A/6b93da3ab28bcfb721dbb85dcdf8cada/CDT-878_Organic_content_thumbnail_growth_03.png?w=680&h=385&q=50&fm=png)
Find out more about the best ways to engage customers for SMEs right here.
![How to create a secure payment page](https://images.ctfassets.net/40w0m41bmydz/4drj4oJAoxaODOTr5qySbh/4a0fe12ce5b28095abb2e5d3fefc6742/CDT-878_Organic_content_thumbnail_payments_02.png?w=680&h=384&q=50&fm=png)
Find out everything you need to know about how to create a secure payment page.
![Cash flow hedge vs. fair value hedge](https://images.ctfassets.net/40w0m41bmydz/3lv39jEAGZJMI63ml7KHgk/0d6d0ca5899902cdc0fdf4a15144f1fd/CDT-878_Organic_content_thumbnail_cashflow_04.png?w=680&h=384&q=50&fm=png)
Want to know more about cash flow hedge vs. fair value hedge? Read on.
![What is IRR and how do you calculate it?](https://images.ctfassets.net/40w0m41bmydz/5k4G6L6FU0Su0hb323lJ1M/477fa4933b4d468e63fdd2932ccfecec/CDT-878_Organic_content_thumbnail_cashflow_02.png?w=680&h=384&q=50&fm=png)
Our comprehensive guide to the IRR formula and how to calculate IRR.
![Converting net income to gross income](https://images.ctfassets.net/40w0m41bmydz/MPK8UClmwoBy0gGxj670A/6b93da3ab28bcfb721dbb85dcdf8cada/CDT-878_Organic_content_thumbnail_growth_03.png?w=680&h=385&q=50&fm=png)
What is net and gross income? See how to convert net to gross income, here.
![What is the debt-to-capital ratio?](https://images.ctfassets.net/40w0m41bmydz/1kQ3ksHVz5b8ki7AyL84ai/0fa548c97de33a4d6e83e55e14ebe897/CDT-878_Organic_content_thumbnail_financial_mgmt_01.png?w=680&h=385&q=50&fm=png)
Explores the ins and outs of debt-to-capital ratio analysis.
![What is cash flow from operating activities?](https://images.ctfassets.net/40w0m41bmydz/7bkmN7MlYB2csDQe7HgpZI/3aed659fabd6d4265ef42f50e133d8b4/CDT-878_Organic_content_thumbnail_cashflow_01.png?w=680&h=384&q=50&fm=png)
Cash flow from operating activities plays a key part in the cash flow statement.
![When, why & how to use proforma invoices](https://images.ctfassets.net/40w0m41bmydz/1dgCjlUjUUb2pgKEEPXXv6/00b8330741dc9b8bba90f910ea1e6f8e/proforma-invoices-thumbnail.jpg?w=680&h=401&fl=progressive&q=50&fm=jpg)
Learn if proforma invoices could help you reduce your admin.
![Recurring card payments: What you need to know](https://images.ctfassets.net/40w0m41bmydz/5in597ofzME9G892QUJiyo/09a9930c23cb4f0038cb308284b354b1/guides_images_post-thumbnails_cardpayments.jpg?w=680&h=401&fl=progressive&q=50&fm=jpg)
Everything you need to know about taking regular card payments from customers.
![Automatic reconciliation: pros and cons](https://images.ctfassets.net/40w0m41bmydz/1kQ3ksHVz5b8ki7AyL84ai/0fa548c97de33a4d6e83e55e14ebe897/CDT-878_Organic_content_thumbnail_financial_mgmt_01.png?w=680&h=385&q=50&fm=png)
Explore the advantages and disadvantages of automated reconciliation tools.
![Late payments: 5 tips to get your customers to pay on time](https://images.ctfassets.net/40w0m41bmydz/6cqPoZMABiVUMz622hCwmU/4de8009ff095f2afe18ae7b5af90bb85/guides_images_post-thumbnails_timing.jpg?w=317&h=187&fl=progressive&q=50&fm=jpg)
Here are 5 tips you can use to give your business the best chance.