Payment resources for owner-run local businesses

Ask better questions of your numbers.

Walk through Blu's sample answers for a fictional business. Inspect the source numbers, calculations, missing information and practical next steps.

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A worked example, not your business data

Cedar Street Auto is fictional. The prepared answers show how a business advisor can explain the numbers provided and identify what is missing. This page does not contact an AI service or access a merchant account.

Blu's connected workspace uses your account's enabled tools, connections and available data. Seeing a demonstration does not mean every data source is connected for every account.

Why did profit fall last month?

The sample's operating surplus fell by $4,400, from $30,000 to $25,600. Revenue fell $6,000, while recorded expenses fell only $1,600. Start by checking completed jobs and average invoice value; the monthly totals do not explain why revenue fell.

Revenue change − expense change = surplus change. (112,000 − 118,000) − (86,400 − 88,000) = −4,400.

Next step: Compare job count, hours sold, discounts and average invoice value before changing prices.

Missing information: Job-level sales, owner compensation, tax and financing treatment are not supplied. This is an operating illustration, not accounting net income.

Are my processing fees high?

The sample paid $2,400 on $80,000 of card sales, an all-in rate of 3.00%. That calculation does not tell us whether the account is overpriced. Card mix, channels, ticket size and the complete proposed fee bill are needed for a fair comparison.

2,400 ÷ 80,000 × 100 = 3.00%.

Next step: Compare a written proposal against the same volume and mix, including every remaining fee.

Missing information: Card mix, debit share, transaction count, online share and a replacement proposal are not supplied.

Which expense increased the most?

Payroll rose $1,000, the largest increase among the supplied categories. Other expenses rose $520, while materials and processing fell. Higher payroll could reflect overtime, hiring or timing; this summary cannot tell which.

Payroll: 36,000 − 35,000 = +1,000. Other: 16,000 − 15,480 = +520.

Next step: Check paid hours and staffing against completed work before cutting a useful expense.

Missing information: Payroll line items, invoices and category-level detail within other expenses are not supplied.

Which expenses are growing faster than revenue?

Revenue fell 5.1% in the sample. Payroll rose 2.9% and other recorded expenses rose 3.4%, so both increased while revenue declined. Processing fell 4.8%, slightly slower than revenue; materials fell 8.6%. Compare both dollars and percentages before deciding what needs attention.

Change % = (current month − previous month) ÷ previous month × 100. Payroll: 1,000 ÷ 35,000 = 2.9%; other expenses: 520 ÷ 15,480 = 3.4%.

Next step: Check why payroll and other expenses increased, and whether timing, capacity or one-time bills explain the change.

Missing information: Two months do not establish a trend. Job mix, hours, seasonality and itemized other expenses are not supplied.

How do my reviews compare?

The sample has 142 reviews at 4.6 stars; one fictional competitor has 226 at 4.7. The difference is 84 reviews and 0.1 star. That is a comparison, not proof that reviews caused a revenue gap.

226 − 142 = 84 more reviews for the sample competitor.

Next step: Read recent themes, reply to real concerns, and invite customers consistently without filtering for positive reviews.

Missing information: Review text, collection dates and a representative competitor set are not supplied.

What's hurting my Google ranking?

This sample has no location-by-location ranking results, so I cannot identify a ranking drop. Review counts alone are not enough. Check a consistent map grid, search term and observation date, then inspect profile accuracy and relevant website pages.

No ranking estimate is calculated from review totals.

Next step: Use the visibility workspace to compare the same query and locations over time.

Missing information: Map grid results, business-profile details and website data are not supplied.

Should I raise my prices?

The sample's surplus is 22.9% of revenue, down from 25.4%. That is a reason to investigate, not an automatic instruction to raise prices. You need margins by service, capacity, demand and the effect of discounts.

(112,000 − 86,400) ÷ 112,000 × 100 = 22.9%.

Next step: Review one high-volume service with its actual material and labor costs before testing a price change.

Missing information: Service-level margin, conversion rates, demand and price sensitivity are not supplied.

Which service should I promote?

There is no service-level sales or margin information in this sample. Promoting the biggest invoice could tie up capacity without producing the best return. Compare contribution per hour, available capacity and actual customer demand first.

Contribution per hour = (service price − variable cost) ÷ hours required.

Next step: Pick a service only after checking its margin and your capacity to deliver it.

Missing information: Prices, labor time, variable costs, booking availability and campaign performance are not supplied.

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Useful next steps and sources.

Primary references