MG Advisory

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MG Advisory MG Advisory provides top-class business advisory services.

You maybe having a good idea you have been holding onto. But let's face it, month after month seems to slip by and your ...
23/09/2026

You maybe having a good idea you have been holding onto. But let's face it, month after month seems to slip by and your salary helps you just survive, but it doesn't build the future you want. Because the truth is... you can't leave your job to your children. What you can leave behind is a business, something you own, something that carries your name and your effort. You don't have to quit your job tomorrow to start. But you can take the first step towards building something of your own.

Register the company, give the idea a structure and start small.

At MG Advisory, we help aspiring entrepreneurs take that first step through proper company registration and guidance, so your idea becomes a real vehicle for growth. So if you have been postponing, Now is the time to start building something of your own.

Get in touch with us today.

One thing I have noticed from working with small businesses is that registration is one thing and running the business a...
23/09/2026

One thing I have noticed from working with small businesses is that registration is one thing and running the business as a real business is another.
But I think when business and personal money are mixed, you can't see where you stand. Sales might be happening, but then personal withdrawals just happen, there's no record and suddenly, no one really knows where the money's going, what's happening.

And honestly, if there are no proper records we also struggle to help pinpoint the real issues. That's why I always encourage owners to separate personal and business finances, open that corporate account, start tracking what comes in, what goes out, and what you draw.

Then we can actually sit down and say, "Here's where the money's going. Here's the real cash flow position, here's where you are leaking, here's what you can do next." That is, really, the point where a business stops feeling like it's just surviving day-to-day and starts being managed like a real business.

Your business may be making sales, but can your cash carry the business? Having money in the bank doesn't always mean yo...
23/09/2026

Your business may be making sales, but can your cash carry the business? Having money in the bank doesn't always mean you are financially safe. That cash could already be spoken for. Supplier salaries, tax, commitments. That's exactly why we created the FREE MG Advisory Cash Flow Tracker. Start with your bank balance, consider what's coming in and what's going out, factor in what customers owe you and what you owe. Then see if your business can truly meet its commitments. This isn't just accounting. It's business management, helping you avoid surprises before they become costly problems. Use the tracker free, and see what your numbers are really saying. But remember, the tracker helps you identify the question.

At MG Advisory, we help you build the financial systems behind the answer. We help small businesses move from guessing to knowing, from reacting to planning, from keeping records to becoming truly investor ready. Check your position today.

Use the MG Advisory Daily Cash Flow Tracker, free
https://mgadvisoryzw.com/cash-flow-tracker/

Don't wait until ZIMRA knocks on your door. If your business is trading, your income tax position should be backed by re...
23/09/2026

Don't wait until ZIMRA knocks on your door. If your business is trading, your income tax position should be backed by real numbers, not assumptions.

The 3rd Quarterly Payment Date is here, 25th of September and for many small businesses, this is where uncertainty shows up.

Some businesses have been trading without proper records. Others aren't sure what they should be paying and some rely on NIL returns, just to obtain a tax clearance certificate. That isn't a sustainable compliance strategy.

At MG Advisory, we don't compete on shortcuts, we compete on clarity. We help you understand your numbers, maintain proper records, and determine your correct tax position, so you're not exposed. Tax compliance isn't just about submitting forms. It's about building a business that can grow, attract capital, and stand up to scrutiny.

If you haven't reviewed your 3rd QPD position yet, now is the time. Give us a call today.

A PAYE risk many small businesses are ignoring. After working with small businesses in Zimbabwe for several years, we st...
22/09/2026

A PAYE risk many small businesses are ignoring. After working with small businesses in Zimbabwe for several years, we still see a worrying pattern: employees are being paid, but PAYE hasn't been properly dealt with.

Tax issues don't always become expensive when they start. They become expensive when they're discovered.

If your business should be registered, deducting and remitting PAYE, delaying can lead to exposure to back taxes, penalties, and interest.

If you have employees, ask yourself, are we PAYE registered? Are we calculating accurately and filing PAYE returns on time?

Good compliance isn't only about avoiding penalties. It's about building a business that's structured, sustainable, and ready to grow, use MG Advisory free PAYE calculator:
https://mgadvisoryzw.com/paye-calculator/

Many small business owners only realize they have a PAYE problem when penalties and interest start piling up. The challe...
22/09/2026

Many small business owners only realize they have a PAYE problem when penalties and interest start piling up. The challenge is often not unwillingness to comply. It's knowing how much is due, how to calculate it correctly, when to file, and how to stay consistent while focusing on growing the business. Small businesses shouldn't lose money simply because compliance feels complicated.

At MG Advisory, we believe business owners should have access to simple tools and practical guidance that help them understand their numbers and meet their obligations. That's why our PAYE calculator is available online.

Before your next payroll, take a few minutes to check your PAYE position. Use the MG Advisory free PAYE calculator.
https://mgadvisoryzw.com/paye-calculator/

Effective management of business finances starts with tracking cash flow.Every business owner wants a profitable busines...
22/09/2026

Effective management of business finances starts with tracking cash flow.

Every business owner wants a profitable business. But profit alone doesn't pay the bills. Cash does. A profitable business looks good on paper. A business that consistently generates positive cash flow is truly valuable.

Many businesses bring in good money every month and still struggle to pay their bills. Employees go months without pay. Suppliers wait ages to be paid. The problem isn't a lack of income. It's a lack of financial discipline in how that cash is managed.

In some businesses, accounts receivable grow far too high, and money that should be in the bank is tied up with customers. This creates working capital problems. Often the owner has no clear picture of who owes the business money or how much. Bookkeeping is neglected, and there are no accurate records of payments to suppliers or receipts from customers.

Poorly managed finances make a business sick. Without the right diagnosis, it eventually dies.

That's why we built the free Cash Flow Tracker for small businesses. It helps you track:

☑️money received and money paid out
☑️who owes you (accounts receivable)
☑️who you owe (accounts payable)
☑️other upcoming commitments

As a business owner, you need to know where you stand on cash at all times. The Cash Flow Tracker gives you that picture, keeps you disciplined and helps you identify problems before they become crises.

Try it today. It's free
https://mgadvisoryzw.com/cash-flow-tracker/

Are your business numbers making sense? Schedule a free consultation with us today.
22/09/2026

Are your business numbers making sense? Schedule a free consultation with us today.

The Math Behind DebtEvery business in the world is funded by either debt, equity, or a combination of both. In Zimbabwe,...
18/09/2026

The Math Behind Debt

Every business in the world is funded by either debt, equity, or a combination of both. In Zimbabwe, venture capital and private equity activity remains very limited, leaving small businesses with one realistic option: debt financing.

On an affordability scale, debt is much cheaper to raise than equity. But debt can pose serious financial risks when taken and deployed recklessly.

In my experience as a business consultant, I have observed business owners get fascinated by the idea of borrowing without first thinking through the math behind the debt. I always share this tip with small business owners; consider two things before taking a business loan:

First, compare the cost of the loan to the return it will generate. If the interest rate on the loan exceeds the return you expect to earn from deploying those borrowed funds, it is wise not to take that loan. You would be paying more to borrow the money than you are making from it.

Second, assess your business's capacity to repay. Does your business generate enough cash flow from operations to comfortably service the debt? Do not be misled by profitability alone. Profit does not pay bills. Cash does.

The danger of taking a business loan when your business does not have the capacity to repay is not just risky but also suicidal. When you borrow, you are committing to fixed monthly interest payments and principal repayments whether your revenue grows or not.

The common mistake most small business owners make is working with assumptions. They are overconfident. They overpromise. They are overly optimistic about the direction of the business. In their minds, everything will work according to plan; sales will grow, profitability will be achieved, and there will be enough cash to meet loan obligations. In reality, that rarely plays out as planned.

Now picture this: you have taken a business loan without giving much thought to the loan terms; the interest rate, loan tenure, repayment frequency, penalty charges, administration fees. Then your actual business performance falls short, or the economy turns against you. Suddenly you have a much bigger problem on your shoulders, one that can break you and consume all your focus as you try to figure out how to climb out of the hole you have dug for yourself. In some cases, the temptation is to dig another hole that is take on more debt to settle another debt and only to plunge your business into a far worse position than before.

At Fundme Capital, we take your capital-raising decisions seriously. That is why we have built a free loan amortization calculator to help you make informed borrowing decisions. Try it today. Know exactly how much you will pay in interest and principal repayments before you commit. Simulate different loan terms, compare options, and shop for the business loan that truly suits your business.

The math should make sense before you sign.

Loan Amortization Calculator👇
https://fundmecapital.co.zw/services/loan-amortization-calculator/

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Corner Blakisto Street & Josiah Chinamano Avenue
Harare
00263

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