KPI Consulting & CFO

11/15/2025

Small businesses are being left behind:

The net share of small business owners reporting higher nominal sales over the last 3 months fell -6 percentage points in October, to -13%, the lowest since January.

This means the majority of small firms in the NFIB Small Business Survey reported lower sales.

This also marks the 41st consecutive negative monthly reading.

Historically, this metric has been a leading indicator for the nominal YoY change in GDP growth.

This points to a significant slowdown in economic activity and lower hiring ahead.

According to the US Small Business Administration, small businesses employ 45.9% of American workers and reflect 43.5% of GDP.

US small firms are struggling.

11/06/2025

Corporate credit spreads have narrowed modestly this past month, signaling improved investor confidence in corporate credit risk amid stable economic data. Lower spreads typically indicate reduced default risk premiums, supporting bond prices and corporate borrowing.

Investors should watch if spreads continue tightening, as it may precede stronger credit market conditions or reflect reduced risk aversion.

11/05/2025

Warren Buffett's Berkshire Hathaway is now sitting on an all-time high $382 Billion in Cash.

11/05/2025

Delinquency rate on Commercial Mortgage-Backed Securities (CMBS) for offices surged +63 basis points in October, to a record 11.8%.

This is now over a full percentage point above the post-2008 Financial Crisis peak of 10.7%.

Since October 2022, the CMBS delinquency rate has skyrocketed +10 percentage points.

At the same time, the delinquency rate for multifamily CMBS jumped +53 basis points, to 7.1%, the highest since December 2015.

The overall US CMBS delinquency rate rose +23 basis points, to 7.46%, the highest in at least 4 years.

The commercial real estate crisis is worsening.

10/21/2025

Leverage buying: What precedes crashes.
People borrowing money to bet on the stock market, pushing valuations higher, until everything goes into reverse and the debts must be repaid by selling stocks headed down.

08/19/2025

📘 Accounting Basics Made Simple! 💡

The golden rule of accounting — Assets = Liabilities + Equity — is the backbone of double-entry bookkeeping. ✅

Understand the key ratios that every business owner, accountant, and finance student must know:

🔹 Current Ratio – Measures short-term financial health.
🔹 Debt-to-Equity Ratio – Compares debt levels to owners’ equity.
🔹 Gross Margin – Reveals how much profit is left after covering COGS.
🔹 Return on Assets (ROA) – Shows how effectively assets generate profits.
Mastering these ratios helps in business decision-making, financial analysis, and long-term profitability. 📊

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08/19/2025

Retail Investors have been loading up on stocks this year while professionals (a.k.a. the "smart money") have been dumping 🚨🚨

08/11/2025

Residential real estate is so expensive that it's no longer investable:

The average mortgage rate of 6.1% is now well above the 4.4% average cap rate on a rental property, according to Reventue.

As a result, investor purchases of single family homes are down by nearly 50% since the pandemic high.

For over a decade, investment property returns were above mortgage rates in the 2010s.

Residential real estate has gotten so expensive that not even investors can afford to buy.

Something must give.

08/11/2025

The difference between the number of US home sellers and buyers is widening:

The number of home sellers has now reached 1,922,046, near the highest since March 2020.

At the same time, the number of homebuyers fell to 1,413,331, the lowest since April 2020.

As a result, the difference between US home sellers and buyers rose to a record 508,715.

In other words, there are now 36% more sellers than buyers in the US.

By comparison, this gap was just ~7% a year ago.

Home price cuts are likely coming next.

08/10/2025

BREAKING: US household debt jumped +$185 BILLION in Q2 2025, to a record $18.39 trillion.

This puts total household debt up +$592 billion in 12 months.

The surge was driven by mortgage debt, which rose +$131 billion in Q2, to a record $12.94 trillion.

Credit card debt rose +$27 billion, to $1.21 trillion, just shy of an all-time high.

Student and auto loans climbed +$7 billion and +$13 billion, to $1.64 trillion and $1.66 trillion, respectively, both hitting records.

Americans are piling on debt.

08/03/2025

Gain financial insight and actionable data with KPI Consulting & CFO:

✔️Weekly cash flow with budget variance
✔️Financial dashboard with KPI’s
✔️ Monthly bookkeeping
✔️ Payroll
✔️ Sales tax
✔️ Business & individual tax returns
✔️ IRS & state notice help
✔️ Estimated payments
✔️ Quarterly, monthly & year-end filings

Plus, we’re offering to review the past 3 years to find ways to legally reduce your tax liability

➡️Book a free consult https://www.kpiconsultingusa.com/contact-us.html to get started.
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From startup to scale, KPI Consulting & CFO provides a consultative partnership that delivers the insights you need to understand your business, industry, and market.

08/02/2025

KPI Consulting & CFO

📊 SMBs: Don’t Leave Money on the Table!
Understanding vendor terms like 2/10 Net 30 can unlock serious savings 💰

Here’s what it means:👉 2/10 Net 30 = Get a 2% discount if you pay within 10 days, otherwise full payment is due in 30 days.
💡 Example: You receive a $10,000 invoice.
• Pay within 10 days? You save $200 instantly.
• The effective annual return? Over 36% 🎯 — way more than most business loans or investments!

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Let us help optimize your payables strategy to boost your bottom line. 💼📈

Visit https://www.kpiconsultingusa.com/contact-us.html to schedule a free consultation call.