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Blog

Finance Leaders

Finance Leaders

From exploring the benefits of virtual debit cards to uncovering strategies to reduce software costs, the Cledara blog offers practical, actionable insights tailored to the unique challenges faced by CFOs and finance teams.

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Articles Written by Finance Professionals

Stay ahead of the curve with Cledara’s in-depth guides, industry analyses, and tips on managing your company’s finances efficiently and securely.

Finance

The 12 Best FP&A Tools for 2025

Interested in learning how to enhance your FP&A strategy with the right software tools? This guide is here to help.
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Finance

How To Calculate Revenue Growth

Revenue growth is the cornerstone of business success, serving as a crucial indicator for investors and a key metric for measuring sustainable performance over time.
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Finance
Operations

How to Create Budget Reports in 5 Steps

Budget reporting is the comparison, analysis, and documentation of the current company's financial performance against the projected budget.
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Finance
Procurement

9 Best Spend Management Software Solutions for 2025

Discover the best spend management software for your needs, with this detailed rundown of the tools on the market.
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Finance

14 Smart Strategies to Reduce Software Costs as a CFO

Software is typically a company’s second biggest expense after payroll, so here are 14 actionable ways to get your spending under control
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Finance

Tech CFOs in 2025: Balancing Innovation and Resilience

As CFOs step into 2025, they are no longer just financial stewards but strategic leaders navigating a rapidly evolving landscape of AI-driven automation, economic volatility, and growing ESG responsibilities
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Finance

Statement of Retained Earnings: How to Gain Insight into Invested Profit

A statement of retained earnings is a crucial financial document that reveals how much profit your company keeps for reinvestment after paying dividends.
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Finance

What Is Annual Revenue? The Founder’s Guide to Financial Literacy

In this article, we break down annual revenue, what it is, why it matters, and how to calculate it, to help you assess your company's financial health with confidence.
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Finance

Planning, Budgeting, and Forecasting: How CFOs Can Set, Strategize, and Forecast the Future

Master the differences between planning, budgeting and forecasting, and discover how they drive financial success.
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Finance

How to Calculate Opportunity Cost for Your SMB + Real-Life Examples

Understand opportunity cost, how to calculate it, and why it matters. Plus, discover how Cledara can complement your financial decision-making toolkit.
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Finance

How to Outsource a CPA for Your Startup: 5 Key Criteria

Outsourcing your accounting to a CPA can save time and resources—here’s how to find the best fit for your startup.
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Finance

Win Customers in Competitive Markets with Penetration Pricing

Penetration pricing is a powerful strategy to attract customers and dominate new markets by launching products at competitive, low prices—learn how it works and why it could be your next big move.
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Finance

The What, Why, and How of Unit Economics

Is your business truly profitable at the unit level? In this post, we’ll unpack how unit economics provides the insights you need to make smarter financial decisions and drive sustainable growth.
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Finance

CFO Dashboard: What it is and Why You Need One

Spreadsheets can only take you so far—discover how a CFO dashboard can transform the way you manage financial metrics, automate tasks, and optimize decision-making.
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Finance

Everything You Need to Know About Accrued Expenses

Accrued expenses might sound complex, but they’re simply the costs your business has incurred but hasn’t yet paid—understanding them is key to accurate financial reporting.
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Finance

A Guide to Virtual Debit Cards: All You Need to Know

If your business is tired of dealing with the hassle and risks of physical cards, virtual debit cards offer a secure, efficient solution for managing spending online and in-person.
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Finance

Revenue Multiples: The Pros, the Cons, and How to Calculate Yours

Discover revenue multiples as a key valuation method for early-stage companies, what they are, their pros and cons, how to calculate them, and the factors that impact their effectiveness in startup valuation and funding.
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Finance

How to Identify and Prevent Expense Reimbursement Fraud

We explore the various types of expense reimbursement fraud, their potential cost to organizations, and provide practical strategies for identifying and preventing such fraudulent activities in the workplace.
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Finance

How to Become a CFO in Tech: An Analysis of 100+ Careers

A comprehensive analysis that examines the career paths of over 100 CFOs in the technology sector, providing valuable insights into education, experience, and skills required to reach this pivotal leadership role in today's fast-paced tech industry.
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Finance

A Thorough Guide to Automated Invoice Processing

Automated invoice processing can revolutionize your business's financial operations by streamlining workflows, reducing errors, and saving valuable time and resources.
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Finance

Venture Debt: Raising Funds for Your Early Stage Startup

A financing option for startups and small businesses that allows them to access funds without diluting equity, providing a valuable tool for growth, cash flow management, and runway extension.
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Finance

OTE (On-Target Earning): What It Is and How It Works

OTE (on-target earning) is a payment model consisting of base salary and commissions. Here's how to calculate it and present it to your employees.
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Finance

Month End Without the Headache: How to Automate Your Accounting

As companies grapple with the overwhelming increase in SaaS subscriptions—from eight in 2015 to an average of 130 in 2022—effective management tools like Cledara are becoming essential for streamlining software spend and enhancing financial efficiency.
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Finance

The Rise of Finance AI Tools: Transforming CFO Operations

AI tools are revolutionizing financial operations by enhancing efficiency, accuracy, and strategic decision-making for CFOs across various domains such as financial planning, compliance, sales forecasting, and more.
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Finance

A Guide For Your First 90 Days as CFO

Your first 90 days as CFO at a new company set the trajectory of this chapter of your career. Here’s a checklist of how to play these valuable initial weeks for maximum impact.
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Finance

The 15 Top Podcasts for CFOs in 2024

Level up your knowledge as a finance professional with these 15 leading podcasts for CFOs.
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Procurement

A CFO’s Guide to SaaS Contracts

Here’s what to look for when you sign a SaaS contract—which clauses to read carefully, which to insist upon, and how to come away with a great deal.
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Finance

How to write a CFO report: 2 free examples

Assessing and communicating your company’s fiscal status is a key responsibility for finance leaders. Here are 2 CFO report examples to speed this up.
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Finance

What does a great CEO-CFO relationship look like? 10 Tips

As a CFO, you’re the CEO’s right hand person. The company hinges on your working relationship—so here’s how to strengthen it.
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Finance

7-Step Checklist to Improve Employee SaaS Onboarding

Here’s how to plan a super smooth employee SaaS onboarding: one that gives new hires an excellent first impression and sets them up to add value as soon as possible.
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Finance

The Best Cap Table Management Software: 5 Options for 2024

Essential information on the 5 best cap management software tools for 2024, and why each one could be a great fit for your business.
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Finance

The Top Subscription Analytics Software for 2024: ChartMogul vs Baremetrics

If you’re a CFO for a tech company, subscription analytics software will make your job a lot easier. Here’s a rundown of two of the best.
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Finance

The Top Accounts Receivable Software for 2024: Upflow vs Chaser

Here’s everything you need to know if you’re in the market for accounts receivable software and want to make the best choice, with a focus on Upflow and Chaser, two leading options.
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Finance

10 CFO Performance Metrics: What Makes a Great Finance lead?

These 10 performance metrics indicate a great CFO. Fulfil these criteria, and you’re on track to lead your business to financial success. 
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Finance

How Scaleups Can Maximize Software ROI in 2024

Wondering how to improve software ROI for your company? In this post, you’ll learn everything you need to know to drive maximum ROI from software investments.
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Finance

A Comprehensive Guide to Key Performance Indicators for CFOs

Here’s 23 KPIs CFOs should track in order to gain a full overview of their business’ financial health.
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Finance

10 Must-Have Software Tools for CFOs

According to Cledara’s data, these software tools for CFOs are absolutely invaluable. Save time, reduce errors and increase compliance with these programs.
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Finance

The Complete Guide to Forecasting SaaS Costs for 2024

As we enter 2024, accurately forecasting SaaS costs is more critical than ever for CFOs. With tightened funding, volatile markets, and increasing SaaS expenditures, getting your 2024 projections right has major implications. This comprehensive guide equips you with the key strategies to master SaaS cost forecasting.
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SaaS Insights

Ramp vs Brex: A Comprehensive Analysis

Which is best for your business, Ramp vs Brex? Our ultimate rundown can help you decide.
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Procurement

Software Tail Spend: Why It Matters and How to Manage It

Uncover the hidden impact of tail spend on your company's software purchases and learn how to effectively manage it with our free, downloadable cheat sheet.
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Finance

Why Treasury and Cash Management Software Is Essential in 2023 [+ Best Tools]

Treasury and cash management are crucial to financial planning. Discover key tools and strategies to optimize your cash management in 2023's unique landscape.
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Finance

9 Ways Financial Reporting Software Can Help Companies Save More Money

Discover how financial reporting software can help startups save money and streamline operations. With features like expense tracking, account reconciliation, cash flow management, and more, businesses can become more efficient and profitable. Invest in financial reporting software to secure your startup's future.
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Finance

How to Hire Fractional CFO Services in 2023

Considering outsourcing CFO services? In this guide, you'll learn everything you need to know to hire a great fractional CFO.
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Finance

Digital Transformation Frameworks for CFOs

We share best in class digital transformation frameworks and the benefits of using one. Make sure you include these 4 things in yours!
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Finance

Change Management Planning: a Guide for CFOs

Are you implementing a change management plan? Here’s your full guide on where to start and what to include.
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Finance

How SaaS Management Can Help Startup CFOs During a Downturn

Ensure you have the right software to sustain a downturn.
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Finance

5 Steps for CFOs Evaluating Payments Software

Turn payment processing from a burden into an advantage.
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Finance

SaaS Budgets: 5 Steps for Finance Teams to Get Software Spending (Just About) Right

A solid SaaS budgeting process pays dividends down the road - here are 5 steps to get you started.
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Finance

Are POs and Invoices Driving Up Your SaaS Subscription Costs?

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Finance

How to Buy Software? 4 Secrets CFOs Need to Know

The tools you buy as a CFO impact almost everyone in the business. Here are some tips to make the right decision.
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Finance

5 Signs It’s Time for Startup CFOs to Invest in New Software

How can CFOs identify when it’s the right moment to upgrade their software stack? Let's take a look at some of the signs that can help you decide
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Finance

What Finance Leaders Need to Look Out for in 2022 {Free eBook}

As we come to the end of the year, find out the five key predictions for finance leaders to stay ahead of the curve in 2022.
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Finance

The 5 must-have tools for startup and scaleup CFOs

The startup CFO relies on the delicate balance of skill, processes and - the subject of this blog - great SaaS tools.
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Finance

How Rob Collings, Head of Finance at Flux, manages SaaS subscriptions

How does a Head of Finance keep control of SaaS subscriptions at a skyrocketing Fintech startup? We talked to Rob Collings to find out.
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Finance

How Lapis Kim, the Head of Finance at Bond, balances SaaS management and business scalability

What’s it really like for a Head of Finance managing SaaS subscriptions day-to-day at a growing company? We talked to Lapis Kim to find out.
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Finance

The Ever-Evolving Role of Today’s Startup CFO

We’ve taken a look at the evolving role of the startup CFO and the pressing challenges you face today.
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Finance

Monthly Management Reporting for Startup CFOs

Great startups are powered by great monthly management reporting. Find out what the best startup CFOs include in their reporting.
Read more
Finance

Meet the Actor That Pivoted Into CFO of a Hot VR Startup

Empathy, infrastructure for scale and the future of virtual reality. What can we learn from someone that began their career as an actor and is now CFO of a hot VR startup?
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Finance

The Ideal Startup CFO with Xavier Sansó

We talk to Xavier Sansó, founding Partner at Metrix Partners, a boutique advisory firm which provides fractional CFO and financial services to the startup community.
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Finance

Startup CFOs vs Traditional CFOs

CFOs in startups and corporations share the same job title. But how similar are their roles and capabilities?
Read more
Finance

6 Tips for COVID-Era Tech CFOs

We dig into the 6 top things that startup CFOs can do to create value today.
Read more
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The Cledara Group consists of Cledara Inc., a Delaware Corporation and Cledara Limited, registered in the UK (11455373). Cledara Limited is registered under the UK Data Protection Act (ZA466806). Cledara Limited is a distributor of Modulr FS Limited, a company registered in England and Wales with company number 09897919, which is authorised and regulated by the Financial Conduct Authority as an Electronic Money Institution (Firm Reference Number: 900573) for the issuance of electronic money and payment services. Your account and related payment services are provided by Modulr FS Limited. Whilst Electronic Money products are not covered by the Financial Services Compensation Scheme (FSCS) your funds will be held in one or more segregated accounts and the full value safeguarded in line with the Electronic Money Regulations 2011 – for more information please see here. Your card is issued by Modulr FS Limited pursuant to a license by Visa Europe. Visa and the Visa brand mark are registered trademarks of Visa Europe.Cledara Limited is also registered with the UK Financial Conduct Authority as an EMD Agent (reference no. 902831) of PayrNet Limited, an Electronic Money Institution authorized by the UK Financial Conduct Authority (reference number: 900594). The Cledara Virtual Debit Mastercard® is issued by PayrNet UK Limited pursuant to a license by Mastercard International. Cledara Limited is a partner of Modulr Finance B.V., a company registered in the Netherlands with company number 81852401, which is authorised and regulated by the Dutch Central Bank (DNB) as an Electronic Money Institution (Firm Reference Number: R182870) for the issuance of electronic money and payment services. Your account and related payment services are provided by Modulr Finance B.V. Your funds will be held in one or more segregated accounts and the full value safeguarded in line with the Financial Supervision Act (Wet op het Financieel Toezicht, Wft) – for more information please see here. Your card is issued by Modulr Finance B.V. pursuant to a license by Visa Europe. Visa and the Visa brand mark are registered trademarks of Visa Europe. Cledara Limited also provides other regulatory services. These are separate and unrelated to the account and payment services you receive from Modulr Finance B.V. and Modulr FS Limited. In the United States, the Cledara Virtual Credit Mastercard® is issued by CBW Bank pursuant to a license by Mastercard International Incorporated. By using the virtual card, the cardholder agrees to all terms under which it was issued.