Archive for August 2026
Top 5 Financial Questions to Ask Before Taking on a Major Business Loan
At Lombard we believe borrowing can be an important part of growing an Irish business, funding investment or managing a major opportunity. However, taking on significant debt is a decision that can affect cash flow, profitability and financial flexibility for years. Before committing to a major busi…
Read MoreThe Power of Financial Forecasting: Planning for What Comes Next
At Lombard we believe that financial forecasting gives business owners something that historical accounts alone cannot provide: a clearer view of what may happen next. For Irish SMEs, forecasting can help identify cash flow pressure, plan investment, understand upcoming tax liabilities and make bett…
Read MoreThe Hidden Financial Impact of Employee Benefits and Perks for Irish Businesses
At Lombard we believe that employee benefits can play an important role in attracting and retaining good people, particularly in a competitive employment market. However, the cost of benefits and perks can extend well beyond the headline figure. For Irish SMEs, understanding the full financial, payr…
Read MoreWhy Irish SMEs Should Review Their Debtor Days Before Cash Flow Comes Under Pressure
At Lombard we believe that strong sales are only valuable when they translate into cash. For Irish SMEs, keeping a close eye on debtor days can provide an early warning that customer payments are taking too long and working capital is becoming stretched. A business can appear profitable on paper whi…
Read MoreThe Financial Cost of Inefficiency: Where Is Your Business Losing Money?
We here at Lombard believe that many SMEs focus closely on obvious costs such as wages, rent and supplier prices while overlooking the financial impact of inefficient processes. Time wasted, errors repeated, unnecessary administration and poor communication can quietly reduce profitability every mon…
Read MoreTop 5 Tax Planning Checks Irish SMEs Should Complete Before the End of 2026
At Lombard we believe effective tax planning is about more than preparing for a tax deadline. For Irish SMEs, reviewing your position before the end of 2026 can help identify available reliefs, avoid unnecessary liabilities and ensure important financial decisions are made with a clear understanding…
Read MoreWhy Business Owners Should Review Their Cost Base Before Their Profit Margins Decline
At Lombard we believe that protecting profitability is not simply about increasing sales or raising prices. One of the most effective ways to maintain strong financial performance is to regularly review the costs of running the business. Many SME owners only begin examining expenditure after profit…
Read MoreTop 5 Reasons Profitable Businesses Still Experience Financial Pressure
At Lombard we believe that one of the most common misconceptions among business owners is that profitability automatically leads to financial security. While generating a profit is essential, it does not always guarantee that a business will have sufficient cash available to meet its day to day comm…
Read MoreThe Hidden Cost of Delaying Financial Decisions in Your Business
We here at Lombard understand that every business owner faces difficult decisions. Whether it is investing in new equipment, hiring staff, reviewing pricing, or reducing unnecessary costs, there is often a temptation to wait for the “right time”. While careful consideration is important, delaying fi…
Read MoreHow Strong Financial Reporting Helps Businesses Spot Opportunities Earlier
At Lombard we believe that financial reporting should do far more than explain what happened last month. For growing SMEs, good financial reporting provides valuable insight into where the business is heading and highlights opportunities that might otherwise remain unnoticed. Many business owners vi…
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