Archive for September 2026

We here at Francis Cummins Co believe that supplier terms deserve the same level of attention as pricing, sales and overheads. For many Irish SMEs, supplier costs can have a direct impact on margins and cash flow, yet agreements and purchasing arrangements can remain unchanged for years. Reviewing s…

We here at Francis Cummins Co believe that stock should be viewed as more than a balance sheet figure. For many Irish SMEs, holding sufficient inventory is essential for serving customers and maintaining smooth operations. However, carrying more stock than the business needs can quietly tie up cash,…

We here at Francis Cummins Co believe that hiring a new employee should be viewed as a financial decision as much as an operational one. Adding to your team can create capacity, improve customer service and support growth, but the true cost of employment extends well beyond the salary on the payslip…

At Francis Cummins Co we believe that growth should be measured by more than increasing turnover. For an Irish SME, growing sales without understanding gross margin can create additional pressure on cash flow, staff and working capital. Before committing to further expansion, business owners should…