Independent & free to read
harmabiben publishes plain-language guides on cash flow, financial statements and day-to-day business finance decisions. No products to buy, no accounts to open — just information, written to be understood.
What we cover
We focus our material on the concepts that actually determine whether a business stays financially healthy: reading financial statements, managing cash flow, and planning ahead with realistic assumptions.
Plain explanations of income statements, balance sheets and cash flow statements, for owners without an accounting background.
Practical frameworks for forecasting inflows and outflows, and understanding why profitable businesses can still run short on cash.
How to build simple, realistic financial projections and stress-test assumptions before committing to a decision.
Why harmabiben exists
Most business finance content online is written to sell something — software, a course, an advisory retainer. harmabiben was built as an alternative: an information-only resource for founders and small business owners who want to understand the underlying concepts before deciding what, if anything, to do next.
Every article is written for a general audience, reviewed for accuracy, and kept free to read. We do not sell financial products or services, provide bookkeeping or advisory services, or offer individualised financial advice.
Read more about our approach
By the numbers
“A business owner who understands their own numbers makes better decisions than one who outsources all of the thinking.”
— Editorial note, harmabibenGet in touch
Send us a message and our editorial team will get back to you. We read every message personally.
Contact harmabiben