Resources
Run your finances like a command center.
Practical, Philippine-specific guides for business owners and the accountants who support them - from cash flow to BIR readiness.
The Balance Sheet: Where Your Business Stands
The balance sheet is one of the most important and most misunderstood financial statements. Unlike the profit and loss, it does not give you one bottom line but three: assets, liabilities, and equity. Here is how to read your balance sheet in plain language, why the words as of matter, and how it answers the two questions that matter most: are you liquid, and are you solvent.
Read article →All articles
Browse the library
13th Month Pay Is Not a Surprise: How to Set the Cash Aside Now
13th month pay is a legal obligation due on or before December 24, and for many owners it arrives in the same weeks as slower collections and holiday costs. Here is how the pay is computed, a worked example that shows exactly how much you will owe, and the mid-year habit that turns a December shock into a small monthly line.
Business owners · 6 min readInventorySlow-Moving Stock Is Sleeping Money: How to Find the Cash Asleep on Your Shelves
Your profit can look healthy while your cash quietly disappears into stock that is not moving. Here is how inventory turnover and days of inventory actually work, a worked example showing exactly how much cash a slow item is holding, and the one habit that keeps it from happening again.
Business owners · 7 min readFounder LetterQuenta Is Live: A Letter to Every Owner Tired of Finding Out Too Late
Quenta is live: cloud, BIR-aware accounting software that lets Philippine business owners see their numbers in real time instead of at month-end. A founder's letter on the gap between how hard owners work and how late they find out, and what we built to close it.
Business owners & accountants · 5 min readNumbers Made SimpleHow to Read a Profit and Loss Statement: A Plain-Language Guide for Philippine Business Owners
Your accountant sends over the monthly profit and loss statement, and you scroll straight to the bottom line. Here is how to read the whole page, top to bottom, in plain language, and why the number at the bottom is not the same as the cash in your bank.
Business owners & accountants · 7 min readNumbers Made SimpleThe 8% Flat Tax or the Graduated Rates: Which One Actually Fits Your Business?
Once a year, a single checkbox on a BIR form decides how your income tax is computed. Here is what the 8% flat rate and the graduated rates each really do, a worked example showing when each one wins, and the one number that tells you which side you are on.
Business owners & accountants · 7 min readNegosyo ResetThe Ten-Minute Receipt Routine Every Business Owner Needs
There is a drawer, an envelope, or a plastic bag of receipts in almost every business. That does not mean you are disorganized. It means you have been busy. Here is the ten-minute weekly routine that keeps your receipts, and the decisions behind them, from quietly disappearing.
Business owners · 7 min readKwento ng NegosyoGo Beyond Scarcity: Cash Flow, Debt, and Growing Past What You Think You Can Afford
Most owners are not limited by a lack of opportunity. They are limited by what they believe they can afford. A founder reflection on cash flow, the cash operating cycle, good debt versus bad debt, and using trade credit and timing as tools to grow beyond a scarcity mindset.
Business owners · 7 min readNumbers Made SimpleVAT vs Percentage Tax: Which One Does Your Business Actually Pay?
When you registered your business, someone asked if you were VAT or non-VAT, and you may have nodded without fully knowing the difference. Here is what each one really is, which one applies to you, and why one of them was never truly your money to spend.
Business owners & accountants · 7 min readNumbers Made SimpleBreak-Even Point: How Many Sales Before Your Business Actually Earns
Most owners can tell you their daily sales but not the one number that says whether the day was worth it. Break-even is the sales level where your business finally stops losing and starts earning, and it is simpler to find than it sounds.
Business owners & accountants · 6 min readComplianceWhat Is a BIR Letter of Authority? A Plain-Language Guide for Business Owners
A Letter of Authority is the most feared envelope a Philippine business can receive, and one of the most misunderstood. What an LOA actually is, what it is not, how to check that it is valid, and how organized, visible books turn a BIR audit from a scramble into a summary.
Business owners & accountants · 10 min readNumbers Made SimpleMarkup Is Not Margin: Why Your Profit May Be Smaller Than You Think
A 30% markup is not a 30% margin. Why so many busy, high-revenue businesses keep less profit than their owners believe, and how to price from the margin you actually need.
Business owners & finance teams · 6 min readNegosyo ResetPera ng Negosyo, Pera Mo: Why Separating Business and Personal Money Changes Everything
If your business cash and your own pocket money live in one place, your numbers can never tell you the truth. Why mixing personal and business money quietly hides whether you are really earning - and a simple, no-judgment way to separate them this week.
Business owners · 6 min readFinancial VisibilityMonth-End Is Too Late: Seeing Your Negosyo While You Can Still Act
By the time a problem reaches your month-end report, the moment to fix it has usually passed. Why finding out late is the real cost - and how seeing a few numbers sooner changes the decisions you can still make.
Business owners & accountants · 6 min readNumbers Made SimpleWhen Negative Is Good: The Cash Conversion Cycle
A negative cash conversion cycle is a good thing: you collect before you pay suppliers, so the cycle finances your business - not the other way around. How to read and improve yours.
Business owners & accountants · 12 min readNegosyo ResetThe 3 Numbers to Check Before Your Week Gets Busy
A 5-minute Monday habit for Philippine business owners: check three numbers - cash on hand, unpaid receivables, and bills due this week - and turn a vague sense of how the business is doing into decisions you can actually make.
Business owners · 5 min readReceivablesThe Hidden Cash in Your Negosyo: How to Collect Receivables Faster
Uncollected utang is cash you already earned but cannot spend. Here is a practical guide for Philippine businesses on collecting receivables faster - clear terms, faster follow-up, and the visibility that makes it routine.
Business owners & accountants · 7 min readKwento ng NegosyoWalang Day Off: A Letter to Every Entrepreneur Who Never Clocks Out
If you're building a business, you already know the secret: the work never really clocks out. A tribute to that quiet sipag - true for every entrepreneur, anywhere - and a gentle case for why scaling a dream shouldn't mean never resting.
Business owners · 6 min readHow It WorksFrom Receipt to Decision: How Quenta Turns a Photo Into Financial Truth
Capture, Review, Post, Command - the four steps that turn a photo of a receipt into a real-time decision. Here's how Quenta moves a single document from your hand to your Financial Command Center, without losing accounting integrity.
Business owners & accountants · 6 min readGetting StartedSwitching Accounting Software Without the Headache: A Migration Guide for Philippine MSMEs
Worried that switching accounting software means re-encoding everything? Here's how Philippine MSMEs can move to Quenta the easy way: guided onboarding, keep your data, start today.
MSME owners & accountants · 6 min readFor AccountantsHow Accountants Can Become Advisors, Not Encoders
Filipino accountants spend most of their time encoding. Here's how automation and real-time visibility let CPAs and bookkeepers become advisors, not encoders.
Accountants · 8 min readCash FlowWhy Businesses Need Daily Cash Flow Visibility
Cash flow - not profit - is what keeps Philippine businesses alive. Here's why daily cash flow visibility matters and how to see your real cash position every day.
Business owners · 7 min readAutomationHow OCR Helps Reduce Manual Encoding
Manual encoding is slow, error-prone, and expensive. Learn how OCR turns receipts and bills into structured data for Philippine businesses - with review-first accuracy.
Accountants · 7 min readComplianceHow to Prepare for BIR Deadlines
Late BIR filings cost 25% surcharge plus interest and penalties. Here's how Philippine businesses can prepare for BIR deadlines and stop scrambling every quarter.
Business owners & accountants · 8 min readInventoryInventory Mistakes That Hurt Profit
Overstocking, dead stock, and stockouts quietly drain business profit. Learn the most common inventory mistakes Philippine businesses make - and how to avoid them.
Business owners · 7 min readTax BasicsVAT, Withholding Tax, and Documentation Basics for Philippine Businesses
A plain-English guide to VAT, withholding tax, and documentation for Philippine businesses: the 12% VAT rate, the 3M threshold, withholding basics, and the records to keep.
Business owners & accountants · 9 min readFinancial VisibilityWhat Is Real-Time Financial Visibility? A Guide for Philippine Businesses
Real-time financial visibility means seeing your cash, sales, margins, and inventory as they change - not weeks later. Here's what it means for Philippine businesses and how to get it.
Business owners & accountants · 8 min readLock in launch pricing for 12 months.
Subscribe during launch and keep today's price for a full year. Get set up in minutes - a 30-day trial is included while you decide.