Fix your margin. Scale your business. Lead with financial clarity.

Boosting Your Financial IQ (BYFIQ) and Coltivar were both founded by Steve Coughran and are part of the same parent company — different brands, but the same mission: helping business owners lead with confidence by elevating financial clarity.

Coltivar began in 2009 as a strategic advisory firm helping companies improve margin, execute smarter strategies, and build long-term value. Over time, we noticed a growing gap: many of the CEOs, founders, and leaders we worked with lacked the financial literacy to fully understand their numbers and make empowered decisions.

That’s why BYFIQ was created — to provide the tools, training, and plain-English education business leaders need to confidently read financials and grow their companies.

Whether you engage with BYFIQ or Coltivar, you’re working with the same team, the same high standards, and the same commitment to helping you build a healthier, more valuable business.

Coltivar helps business owners improve profitability, fix operational inefficiencies, and build long-term enterprise value. Whether you're stuck, scaling, or preparing for a sale, our team provides financial clarity and strategic guidance — so you can grow with confidence and avoid costly missteps.

We work primarily with owner-led businesses doing $3 million to $100 million+ in annual revenue — especially in construction, services, and trades. Most of our clients don’t have a full-time CFO but want expert guidance to drive margin, strategy, and long-term value.

The 3-Week Challenge is a guided learning experience that gives you the tools to find hidden margin and improve your financial performance. A workshop is a live session with your team to fix a specific problem. A financial review is a free 1-on-1 call where we give direct feedback on your financials. You can start with any option — it just depends on how hands-on you want to get.

Not at all. BYFIQ was built specifically for non-financial business leaders — like owners, founders, and operators — who want to make smarter financial decisions without relying solely on a CPA or bookkeeper. Everything is taught in plain English with real-world business context.

Our free financial review is a 45-minute call with a strategic finance expert (former CFO) who will walk you through your company’s financials and share key insights. You'll get a clear, confidential assessment — no dashboards, no reports, no pressure — just practical feedback and next steps.

If you're unsure where your profit is going, trying to scale without clarity, or preparing for a transition — you’re ready. Coltivar is designed for business owners who want outside perspective and systems to grow margin, make better decisions, and build long-term value.

Yes. Your financials are 100% confidential. Documents are shared through secure upload links and are never sold, disclosed, or accessed by anyone outside the Coltivar team. We’ve worked with hundreds of companies — we treat every submission with the utmost professionalism and care.

Most CPAs and bookkeepers look backward — at what’s already happened. Coltivar helps you look forward with strategic insight: how to grow profit, improve efficiency, and position your company for the future. We work alongside your existing financial team to help you lead at the next level.

Yes. In fact, that’s often when we can make the biggest difference. Whether you're bleeding cash or struggling to grow profitably, we’ll help you get to the root of the problem, identify the biggest financial levers, and create a practical plan to get back on track.