by John F Kettley | Apr 6, 2026 | Leadership, SMEs
Culture isn’t posters. It’s the founder’s behaviour under pressure. If you really want to see a company’s culture, ‘don’t’ read the values slide, instead, watch what happens when something goes wrong. Culture isn’t posters. It’s behaviour under pressure. It’s how the...
by John F Kettley | Mar 30, 2026 | SMEs
Debt should buy appreciation, never depreciation Debt isn’t good or bad. It’s a tool. Like any tool, it depends who’s holding it and why. My simplest rule is this: debt should buy appreciation, never depreciation. If you borrow to fund something that creates durable...
by John F Kettley | Mar 4, 2026 | Exit Strategy
OWNER DEPENDENCEY IS THE BIGGEST HIDDEN VALUE HAIRCUT If the business can’t run without the founder, it isn’t really a business in the eyes of a buyer. It’s a job, with payroll and liabilities attached. This is one of the biggest gaps between how owners see value and...
