Use financial literacy to build real wealth.
BYFIQ, a Coltivar initiative, gives business leaders free access to the knowledge and tools to buy, build, and sell companies. Master finance, make smarter decisions, and drive sustainable growth with tools, spreadsheets, and live strategy calls that turn financial insight into action..
TEST YOUR FINANCIAL IQ
CURRENT LESSON:
Available free until September 1 — then it's gone.
Boost your bottom line.
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Normalize your financials for clarity
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Find your break-even point
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Pull the 4 profit levers that drive profitability
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Model the upside of small changes
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Take action and see results
BYFIQ’s 6-level path to financial mastery.
At BYFIQ, we guide ambitious professionals through five progressive levels, mastering 18 essential skillsets that unlock the ability to buy, build, and sell companies with confidence. Whether you're starting with the Financial Pro Program or leveling up through the Value Creator Accelerator, this is the path to real financial power.
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2. Understand profit vs. cash
3. See how the numbers flow
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5. Break down free cash flow and invested capital
6. Learn what kills businesses
03
8. Break into a Value Logic Tree
9. Identify bottlenecks and blindspots
04
11. Sensitize assumptions and model scenarios
12. Plan for growth, cash, and capital
05
14. Understand WACC, IRR, and NPV
15. Pressure test the upside and downside
06
17. Align tactics to value drivers
18. Define initiatives, set KPIs, and track results
Learn the skills to buy, build, and sell companies.
| FINANCIAL PRO PROGRAM | VALUE CREATOR ACCELERATOR | |
|---|---|---|
| IDEAL FOR | Students & early professionals | Business owners & operators |
| SPEED OF LEARNING | Steady | Fast-track growth |
| LEARNING STYLE | Lecture-style | Case-based |
| CONTENT FORMAT | 100+ self-paced video lessons | Full video drops + tools + Q&A + private feed |
| REAL BUSINESS CASES | ✘ | ✔Real cases |
| FINANCIAL MODELS & TEMPLATES | ✘ | ✔Provided |
| LIVE MENTORSHIP | ✘ | ✔Live sessions |
| PRIVATE COMMUNITY | ✘ | ✔Peer network |
| ACCESS TO STEVE COUGHRAN | ✘ | ✔Coaching & direct input |
| STRATEGIC DEPTH | ✘ Basic concepts | ✔Advanced strategy, value creation, and margin growth |
| EXECUTION SUPPORT | ✘ | ✔Systems, templates & accountability |
| END GOAL | Build financial confidence | Execute strategy & build value |
| TIME REQUIRED | ~ 50 hours total | ~ 60 min every 2 weeks + tools & Q&A |
| PRICE | Free | $1,595 Now only $495/year 30-day money-back guarantee |
Over 1,000,000 globally are accessing Boosting Your Financial IQ
Our mission is to empower 10 million people to master business finance.
We believe financial intelligence is the key to freedom, confidence, and growth. That’s why we’re making world-class financial education accessible to anyone — so you can earn more, lead with clarity, and build something that lasts.
You don’t need to become a finance nerd.
You just need to become financially dangerous.
I’m Steve Coughran, founder of BYFIQ and Coltivar. I’ve helped companies fix their cash flow, grow margin, and scale profitably — and I’ve seen behind the curtain at what separates thriving businesses from struggling ones.
The biggest difference?
Financial clarity. Not complexity. Not spreadsheets. Just clarity.
I built BYFIQ to give you the skills that actually matter — the kind that help you make decisions, build wealth, and lead with confidence.
I’m sure you're not here to learn about me, but if you're interested, you can read the full story here.
LEARN MORE
4-Part Growth Roadmap
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