Your can never be too cautious when it comes to financial risk management.

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If you’re reading this, you most likely are not the CEO of some multimillion-dollar company with tons and tons of financial resources to hold your hand. You are a small business owner, just like us, or a freelancer, sole proprietor, or something.

In any case, you know that you know that you are much more vulnerable to the numerous financial risks out there on the market in many ways. And that you have do not have the kind of financial safety the gigantic corporations have.

So, you need to be more cautious.

Being a small business or a startup (call…


Financial success is impossible without financial planning and management.

Let’s be plain. This article is for business owners looking for advice on how to manage their company’s finances.

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Are you tired yet hearing about the importance of leadership, team culture, cooperation, and vision? We are. Every business guru out there had been playing all these so-called “rules of success” like a broken record. Get over it already!

Now, don’t get us wrong, this stuff is important. But we, at Kernel, believe one very simple rule is being neglected:

  • Know and understand your numbers or in other words — manage your business’ finances.

So, we are about to fix it…


Small Businesses, Finance, Accounting, Management

They are two distinct disciplines, and you better treat them as such if you want to avoid major financial mishaps.

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Using the right word can matter. Using the wrong word can matter even more, especially in the business world. And you as a business owner can not afford to risk a financial mishap just because you didn’t know the difference between two words — Finance and Accounting.

Bellow, we’ll tell you all about the difference between accounting and finances and give you hands-on tips on how you can avoid accounting problems and improve your financial management. …


მცირე ბიზნესი, ინვოისი, ინვოისირება, კერნელი, ფინანსები

წაიკითხე სტატია, გაიგე რა არის ინვოისი და გამოიყენე ის სხვადასხვა მიზნისათვის შენი ბიზნესის სასარგებლოდ!

სურათი ავტორის მიერ

ბიზნესის ფლობა უამრავ დოკუმენტთან და ვალდებულებებთან ასოცირდება. დამწყები მცირე ბიზნესებისათვის უამრავი ამგვარი დოკუმენტი უცხო და თავბრუდამხვევია. ამასთან ერთად, კლიენტებისაგან მიღებული თანხის კონტროლი და აღრიცხვა ცალკე თავისტკივილია.

ამ ყველაფრისაგან თავის დასაღწევად დალაგებული ინვოის სისტემაა საჭირო. სწორი მიდგომით და ანალიზით ინვოისირება შენი კომპანიის განუყრელი ნაწილი გახდება და ბუღალტრულ არეულობასაც მოგიწესრიგებს.

თუკი დოკუმენტების დანახვისას ფიქრობ — “ რა საჭიროა ამდენი ინვოისი” ან “საერთდ ვის რაში სჭირდება ინვოისირება”, მაშინ ეს სტატია შენთვისაა. წაიკითხე სტატია და გარდაქმენი “უაზრო დოკუმენტი” ბიზნესის მთავარ იარაღად!

რა არის ინვოისი?

ინვოისი არის დოკუმენტი, რომელშიც თავმოყრილია პროდუქტი და მომსახურება, რომელსაც ბიზნესი სთავაზობს კლიენტს და აკისრებს ვალდებულებას გადაუხადოს ბიზნესს ამ პროდუქტებისა ან მომსახურებისათვის. …


Small Businesses, Finance, Accounting, Management , Mistakes

Knowing these vanilla pitfalls will guide small businesses to avoid accounting problems.

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Adhering to fundamental accounting principles is vital in helping small businesses achieve success and profitability. With proper accounting, you can gain essential data regarding profits, losses, assets, and liabilities, which is critical in evaluating your overall financial performance and growth capacity. Unfortunately, 60% of small business owners are not confident with accounting and finance skills, increasing the likelihood of monetary losses and reputational damage.

Accounting is a complex process that involves monitoring every penny of revenues, costs, vendor payments, and taxes. Therefore, mistakes can quickly happen. Knowing these vanilla pitfalls will guide small businesses to avoid accounting problems and prepare…


Invoices, Finance, Accounting, Invoice Software, Invoice Generator

What are Invoices, why are they so important, and what are they used for?

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Invoices — It is a pretty common word that we hear a lot nowadays, maybe you have heard of it when buying stuff online, received it as an email or something else, and you just thought of it as a receipt, but it is not a receipt, it does not look like one. Or maybe you’ve experienced the pain of issuing and keeping track of invoices first hand as a small business owner, freelancer or sole proprietor.

So what are Invoices, why are they so important, and what are they used for?

What are Invoices?

Before we go straight to the main topic…


Online Loan Platforms for Small Businesses in Nigeria

Guess how you can get money without making a single sale?

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You’ve heard the old saying; you need to spend money to make some. It’s true, you know. You have to pay tons and tons of money to get your business, making some in return. Marketing, real estate, transportation, industrial plants, and numerous other things just don’t come cheap. You have no business if you have no money, and you have no money if you have no business.

Guess how you can get money without making a single sale. Right, either by equity or loan. …


Revenue is vanity, profit is sanity, but cash is the king.

One can not over-emphasize the importance of Financial Management. In order to start up or even run a successful business, you will need excellent knowledge of financial management. It is the main ingredient to successful business operation. Without proper administration of finance, no business enterprise can reach its full potentials for growth and success. Simply put, money is to an enterprise, what oil is to an engine.

When we talk about financial control at a strategic level, basically what we mean is a process of evaluation of consistency and clarity of a financial plan and strategic plan of the organisation…


The reason why we’ve decided to combine these three amazing districts is that, first of all, they are right next to each other and second of all, they share the same character. So, here we go.

Mtatsminda

As you come to Tbilisi, you just realize that all the routes lead to Mtatsminda! One of the oldest districts in the capital, Mtatsminda is the place where the history of modern Georgian was created.

Named after the mountain Mtatsminda, this district is one of the key sights of the city.

✱ Actor Sergo Zakariadze’s grave in Mtatsminda Pantheon, Tbilisi.

If you are wearing…


Chugureti district is a touristic pearl on the left bank of the river Mtkvari, starting from Queen Tamar Avenue and the Station Square all the way to Avlabari. Tbilisi’s old German neighborhood, Marjanishvili is one of the loveliest, liveliest neighborhoods you can pick to walk around. After you experience its historic architecture and endearingly offbeat character, you won’t mind the price tag.

What better way to start talking about Chugureti than with the king of the squares of the city — the Station Square. Situated at the far northern corner of the district, it serves as the main transportation hub…

Mikheil Zghuladze

Co-founder @ Kernel. Student, Digital Communication Manager and Perpetual Learner!

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