Understanding Cash Flow Beyond the Numbers
Learn how to read what your financial statements are actually telling you about your business's staying power.
Explore Learning Options
Founder & Lead Instructor
Vincent Marquez
Financial Analysis Specialist
I started hyperfluxnet in 2019 after spending twelve years watching businesses struggle with the same pattern. They'd show me profit on paper, but six months later they couldn't make payroll. The disconnect between accounting reports and actual business reality frustrated me.
Most financial education focuses on recording transactions correctly. That's important, but it misses the bigger picture. Business owners need to understand whether they can weather a slow quarter or unexpected expense. That's what liquidity and solvency analysis does — it shows you if your business has breathing room or if you're walking a tightrope.
Our approach started when a manufacturing client asked me to explain why their accountant said things looked good, but they felt constantly stressed about money. That conversation became the foundation for how we teach financial analysis now.
How We Structure Financial Learning
We break down complex financial concepts into practical frameworks you can apply to your actual business situation.
Real Scenario Analysis
You'll work through case studies based on actual businesses we've consulted with. We use anonymized data from retail, services, and manufacturing companies so you can see how liquidity issues show up differently across industries. Each scenario includes the messy reality — seasonal fluctuations, unexpected expenses, and the timing mismatches that create cash problems.
Pattern Recognition Training
Financial statements tell stories if you know what to look for. We teach you to spot warning signs before they become crises. You'll learn what it means when your current ratio drops below 1.5, or why a decreasing cash conversion cycle might actually signal trouble ahead. This isn't about memorizing formulas — it's about understanding what the numbers reveal about business operations.
Incremental Skill Building
We start with basic ratio calculations and gradually add complexity. By week four, you're analyzing whether a business can safely take on debt. By week eight, you're building forecasts that account for realistic business conditions. Each session builds on previous concepts, so you develop confidence as you progress through increasingly sophisticated analysis.
Personalized Feedback Sessions
Vincent reviews your analysis work individually and provides detailed feedback on your approach. These aren't just grade marks — they're conversations about how you're thinking through problems. If you're missing something important or making assumptions that don't hold up, we talk through it. Most students find these sessions are where concepts really click into place.
Program Details
What You'll Actually Learn
Our twelve-week program covers the financial analysis skills that matter for business decision-making. You won't just calculate ratios — you'll understand what they mean in context.
The curriculum focuses on practical application. You'll analyze whether businesses have enough cash reserves, evaluate debt loads relative to earning capacity, and identify when growth might be outpacing financial stability. We work with Philippine business contexts, so the examples and scenarios reflect the market conditions you're actually dealing with.
- Interpret cash flow statements and identify sustainability issues
- Calculate and analyze liquidity ratios in business context
- Evaluate debt capacity and long-term financial health
- Build forecasting models for various business scenarios
- Communicate financial analysis findings clearly to stakeholders