Welcome Small Business Owners & Small Business Development Center Advisors

Pathway to Prosperity is part of Moody’s commitment to empower owners of small and growing businesses with the knowledge, resources and confidence they need to create a better future. The first initiative of Pathway to Prosperity is a collaboration between Moody’s, America’s SBDC and Finagraph. This partnership is designed to help every small business understand and manage their cash flow. It will also empower SBDC advisors to become experts in cash flow advice so that they can help small businesses everywhere. 

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for business owners

Online training

We will be offering a Global Classroom training course called "Business Cash Flow Essentials" giving SBDC Advisors and their business clients essential insights and tools to become experts in cash flow management.



You can become a certified “Cash Flow Pro” to be the definitive authority in everything cash flow.

Certification Course
In-person training

Bring a Finagraph Expert to your state to train your SBDC staff or their clients.

Contact a Trainer

Master your Cash Flow

Know your cash flow today and tomorrow with the simplest and most powerful cash forecasting software available.
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Why Cash Flow is essential

Small businesses are the backbone of the US economy, yet most struggle to truly know on a day-to-day basis, how their business is actually doing, what cash they have on hand, or whether they can pay their bills on time.

of small businesses regularly struggle with cash flow
of business failures are due to poor cash flow management skills / poor understanding of cash flow
of firms say managing cash flow is their top business challenge
of small business owners have been at risk of not paying employees by payday
Every QuickBooks business needs CashFlowTool.com

About the Partners

Moody's is an essential component of the global capital markets, providing credit ratings,research, tools and analysis that contribute to transparent and integrated financial markets. Moody's Corporation (NYSE: MCO) is the parent company of Moody's Investors Service, which provides credit ratings and research covering debt instruments and securities, and Moody's Analytics, which offers leading-edge software, advisory services and research for credit and economic analysis and financial risk management. The Corporation, which reported revenue of $4.4 billion in 2018, employs approximately 13,200 people worldwide and maintains a presence in 44 countries. Moody’s believes in a world where more people have access to opportunity, and where everyone has what they need to grow and thrive. We are committed to opening the door to a better future through our global corporate social responsibility programs empowering people around the world with the knowledge, resources and confidence they need to succeed.
Foundation for Small Business Development (FFSBD)
FFSBD was established in 1995 and dedicated to the creation of educational material and the support, conduct and promotion of educational activities regarding small business. FFSBD exists to support and publish independent non-partisan research and analysis through advances in studies focused on entrepreneurs and small business ownership while supporting the activities and goals of economic development organizations, in particular, small business development centers. The FFSBD is the philanthropic arm of America's SBDC and is dedicated to assisting America’s 27 million entrepreneurs, helping them establish and grow their small businesses through its affiliation with nearly 1,000 local centers across the nationwide network of SBDCs, their partners, stakeholders, and alliances.
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Finagraph is the worldwide leader in financial software, helping every business eliminate cash flow as a reason for failing and radically streamlining the banking and lending industry with breakthrough software. CashFlowTool™ is a powerful software as a service to enable simple, powerful and predictive cash flow for businesses and accountants.
America's Small Business Development Centers (SBDC)
America's SBDC represents the Nation's 63 Small Business Development Centers, a national network of partnerships uniting higher education, state and local nonprofit economic development organizations, private enterprise and government. It is the Small Business Administration's largest partnership program, providing management and technical assistance to help Americans start, run and grow their own businesses.
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