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Toptal Finance Blog

The Toptal Finance Blog is a hub for in-depth studies and analysis on all facets of finance, ranging from innovative strategies on raising capital to detailed coverage of new finance trends and technologies.

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How to Prepare a Cash Flow Statement Model That Actually Balances

by Pierre-Alexandre Heurtebize

When a cash flow statement model doesn’t balance, it can cause immense frustration and wasted time. The root cause of this problem most commonly resides in models being built with inconsistent and contradictory data sources.

8 minute readContinue Reading
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EdTech Industry Analysis & Trends (2020)

by Steven Southwick

Education has rapidly evolved away from the red-brick schoolhouse model. About $7.0 billion was invested globally by VC funds into the edtech market in 2019. This is expected to grow 3x over the next decade. Where is the money going? What characteristics do new competitors need to be sustainable?

7 minute readContinue Reading
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Corporate Venture Capital: The Devil...or an Innovative Growth Channel?

by Elizabeth J. Howell Hanano, CFA

In industries seeing stagnant growth or a negative impact from uncontrollable, outside forces, many companies are turning to corporate venture capital as an alternative means to innovation. Yet, famed venture capitalist Fred Wilson once said that corporate venture capital was the “devil.”

8 minute readContinue Reading
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Feeding the Future: An Overview of the Agrifood Industry

by Francesco Castellano

The amount of money pouring into Agrifood tech has increased more than sixfold since 2012: from $3 billion to almost $18 billion. In the first part of this series, we examine the three changing conditions making this field ripe for innovation and analyze emerging technologies.

9 minute readContinue Reading
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Human vs. Machine: The Next Frontier of Wealth Management

by Ankur Chandra

Since the introduction of index funds in the 1970s, the investment management industry has embraced the use of software to enhance its decision-making. With robo-advisors reaching further prominence, will machines replace humans in the world of wealth management?

8 minute readContinue Reading
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Bringing an Outsourced Finance Team In-house: A Case Study

by James Hamory

LendEDU, a Y Combinator-backed startup, spent more than $50,000 on its outsourced finance department to create professional monthly financial statements. There was just one problem—they couldn’t trust the numbers.

6 minute readContinue Reading
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Imperfect Harmony: An Overview of SoundCloud vs. Spotify

by Natasha Ketabchi

Not many industries have undergone the same level of transformation as the music industry - technology has changed every facet of the industry. File streaming has been nothing short of a revolution. What can be learned from Spotify vs. SoundCloud?

9 minute readContinue Reading
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Are Million-dollar Markets Better Than Billion-dollar Markets?

by Aaron Chockla

Entrepreneurs have been hardcoded to aim at billion-dollar sized markets with their solutions. However, such lucrative markets will appeal to many others and thus, are hard to succeed in. Going after smaller market sizes may be the more logical path to success.

5 minute readContinue Reading

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