Caribbean Business Advisory

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Your Banker Already Knows Your Net Debt to EBITDA. Do You?

September 27, 2026by Dr Dawkins Brown

IN BRIEF Before a lender meets a borrower, it has usually already calculated three numbers: how many years of earnings the debt represents, how many times earnings cover the interest, and how comfortably the cash the business generates covers every payment due. Most chief executives walk into the meeting without knowing any of them....

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What actually happens on day one.

September 20, 2026by Dr Dawkins Brown

Owners expect a transition to be a technology event. It is not. The first day is about custody, authority and cut-off — and the handovers that fail almost never fail at the ledger. IN SHORT Day one establishes three things and nothing else matters until they exist: who may approve what, from what date the...

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The bookkeeper who leaves takes the system with her.

August 30, 2026by Dr Dawkins Brown

What happens when your only bookkeeper resigns — and what a handover cannot IN SHORT What leaves with a departing bookkeeper is not the bookkeeping. The ledger stays. What leaves is the undocumented layer — why an account is coded the way it is, which supplier invoices are always queried, what the three-year-old reconciling...

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When There Is No Scale: What Happens to Comparison When a Jurisdiction’s Pay Is Unsettled

August 23, 2026by Dr Dawkins Brown

Trinidad and Tobago’s Budget Statement 2026 records that public service wage negotiations remain outstanding for two periods: 2014 to 2016, and 2017 to 2019. The Government has instructed the Chief Personnel Officer to submit a revised offer. A jurisdiction can therefore be impossible to compare not because its data is hidden, but because its pay...

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Why Internal Audit Is Now a Governance Function, Not a Back Office

July 17, 2026by Dr Dawkins Brown

For decades, internal audit occupied a peculiar position in Caribbean organizations: everyone agreed it was important, and almost no one treated it that way. It sat somewhere down the corridor from finance, reporting to the CFO whose numbers it was supposed to test, staffed thinly, consulted late, and remembered mainly when something had already...

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How to Market Powerfully on a Limited Budget

July 11, 2026by Dr Dawkins Brown

The Problem, Lived “Alicia” runs a catering and events company in St. John’s, Antigua, and her marketing history reads like a drawer of lottery tickets. A boosted post whenever bookings look thin — fifty dollars here, a hundred there, aimed at everyone. A radio spot last Christmas whose results she cannot name. A website...

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How to Hire and Keep Talent You Can’t Outbid For

July 10, 2026by Dr Dawkins Brown

You will never win a bidding war against the banks, the multinationals and the visa. Stop fighting on the salary line — and start winning on the deal. The Problem, Lived “Omar” runs a fourteen-person IT services firm in Kingston, and by any fair measure he is one of the best developers of young talent...

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The Quiet Risk: Why Reserve Adequacy Decides an Insurer’s Future

June 22, 2026by Dr Dawkins Brown

Reserves are the largest number on most insurers’ balance sheets and the least understood by their boards. Getting them wrong is rarely loud — until, suddenly, it is catastrophic. On the balance sheet of almost any insurer, the single largest figure is also the one the board understands least. It is the provision for claims...

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How to Transition Your Finance Function Without Disrupting Operations

June 21, 2026by Dr Dawkins Brown

The fear of disruption keeps many enterprises tied to a finance setup they have already outgrown. Here is how a well-run transition actually works — and how to keep operations running while you change. For most leaders, the decision to change how their finance function is run is not the hard part. The...

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The Hidden Cost of Poor Financial Management: What Weak Numbers Cost a Growing Business

June 19, 2026by Dr Dawkins Brown

Bad books rarely send an invoice — but they bill you anyway: in cleanup fees, missed deductions, poor decisions, lost financing, and a lower valuation. Poor financial management rarely sends you an invoice — which is exactly why it is so expensive. The costs are real but hidden: one-time cleanup fees of US$150–$175 per neglected...

Older Posts

Caribbean Business Advisory

Your Banker Already Knows Your Net Debt to EBITDA. Do You?

When There Is No Scale: What Happens to Comparison When a Jurisdiction’s Pay Is Unsettled

Why Internal Audit Is Now a Governance Function, Not a Back Office

The Hidden Cost of Poor Financial Management: What Weak Numbers Cost a Growing Business

October 4, 2026What Digital Tax Means for Tourism and Creative Services

October 3, 2026What Digital Tax Means for Caribbean Retail and Manufacturing

October 3, 2026The Hidden Tax Data in Every Online Transaction

October 3, 2026Can a Business Have Taxable Presence Without an Office?

October 3, 2026When Advertising, SaaS and Royalties Cross a Border

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