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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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Remote or On-site? The Real Cost of Office Space for a Venture-backed Startup
For funder-backed startups, brick-and-mortar offices cost more than just money–they dilute founder equity.
![Erik Stettler](https://assets.toptal.io/images?url=https%3A%2F%2Fbs-uploads.toptal.io%2Fblackfish-uploads%2Ftalent%2Fprofile%2Fpicture_file%2Fpicture%2F1072029%2Fretina_64x64_huge_7926f420fa1c80b719d4cd68a2860ba4-f2e6c9731d05992dd12721294940b61d.jpg)
Erik Stettler
Erik is a co-founder of a global venture capital fund that has invested in 50 startups (raising more than $500 million) and has realized six exits. He serves as Toptal’s Chief Economist.
Why Your Startup Pitch Needs Sensitivity Analysis
To impress risk-averse investors, you have to prove that you’re ready for whatever may come.
![Nicholas Piscani](https://assets.toptal.io/images?url=https%3A%2F%2Fbs-uploads.toptal.io%2Fblackfish-uploads%2Ftalent%2Fprofile%2Fpicture_file%2Fpicture%2F1076308%2Fretina_64x64_huge_c86bee57b744a63fe5ffe5b190a43c7c-4d6c3f116f8d8244b2bbeaf6f62646b0.jpg)
Nicholas Piscani
Nicholas is a corporate strategy and FP&A expert who works with businesses to optimize their operations and execute high-priority strategic initiatives. He has helped entrepreneurs raise more than $600 million through financial modeling and pitch deck development.
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Exploring the Post-crash Cryptocurrency Market: Blockchain, Regulations, and Beyond
The 2022 crash shook the cryptocurrency market to its core, but investors are still buying digital coins. How does crypto work, and what does the future hold for it?
![Jeffrey Mazer](https://assets.toptal.io/images?url=https%3A%2F%2Fbs-uploads.toptal.io%2Fblackfish-uploads%2Ftalent%2Fprofile%2Fpicture_file%2Fpicture%2F1058875%2Fretina_64x64_huge_f9256244dccb854dbff4ee114f45a7e9-db2acbc1bc82688a378ef110889f846f.jpg)
Jeffrey Mazer
Jeff is a former CFO, financial expert, and lawyer specializing in financial and investment analysis, as well as legal and regulatory issues relating to business and finance. He was previously Director of Global Liquidity Investment Solutions, Western Regional Manager, at Bank of America and Head of Bankruptcies and Restructurings at Allstate Insurance.
Advantages of Google Sheets: Why It’s Time for Finance Pros to Switch From Excel
Work is more collaborative than ever, and finance pros need a spreadsheet program that can keep up. Google Sheets is ideal for the way we work today.
![Stefan Thelin](https://assets.toptal.io/images?url=https%3A%2F%2Fbs-uploads.toptal.io%2Fblackfish-uploads%2Ftalent%2Fprofile%2Fpicture_file%2Fpicture%2F961452%2Fretina_64x64_huge_87b0d8b8c858b42e9edb269247a14f45-50a41489961a4a810d922fe09cc96be1.jpg)
Stefan Thelin
Stefan is the Director of Data-Driven Insights and Analytics for Cargotec, a leading provider of cargo and loading solutions. He has also served as an M&A director and a startup CFO, and led financial modeling and analysis as a leveraged finance manager at the Royal Bank of Scotland.
How Forensic Accounting Can Supercharge Your Financial Risk Analysis
In an increasingly volatile business environment, companies need to step up their risk management game. Forensic accounting can help spot oncoming problems before it’s too late.
![Christopher Holloway](https://assets.toptal.io/images?url=https%3A%2F%2Fbs-uploads.toptal.io%2Fblackfish-uploads%2Fcomponents%2Fblog_author%2Fcontent%2Fphoto_file%2Fphoto%2F974756%2FCHollowayheadshot-65d7013eaed063b2c6cd621ceb9984e9.jpg)
Christopher Holloway
Christopher is a Senior Writer at Toptal with 13 years of experience researching and writing about how technology transforms sectors like banking, business, manufacturing, and healthcare. He was previously the business and technology editor at AméricaEconomíca and has developed content for Sony Pictures, Johnson & Johnson, Mini, and LATAM Airlines.
Strategic Financial Leadership: 6 Skills CFOs Need Now
Succeeding as a modern CFO is more demanding than ever before. Here are the skills you need to become a strategic partner who leverages technology and insights to drive growth and plan for the future.
![Puneet Sapra](https://assets.toptal.io/images?url=https%3A%2F%2Fbs-uploads.toptal.io%2Fblackfish-uploads%2Ftalent%2Fprofile%2Fpicture_file%2Fpicture%2F1055923%2Fretina_64x64_huge_6dd9e57b7010bc87423103a2e447b15b-e37dfec380c947db7c2975d27290360b.jpeg)
Puneet Sapra
Puneet is a finance expert who has worked for J.P. Morgan Chase & Co. and Pfizer, and holds an MBA from Harvard Business School. He has held CFO positions at public companies, middle-market private-equity-backed companies, and startups.
Tough Times Don’t Have to Mean Tough Terms: Leveraging Financial and Cap Table Modeling in VC Negotiations
When capital is scarce, VCs may tighten their terms to reduce their risk. Here’s how to think through three of the most common preferred terms to ensure you don’t give away too much of your company.
![Erik Stettler](https://assets.toptal.io/images?url=https%3A%2F%2Fbs-uploads.toptal.io%2Fblackfish-uploads%2Ftalent%2Fprofile%2Fpicture_file%2Fpicture%2F1072029%2Fretina_64x64_huge_7926f420fa1c80b719d4cd68a2860ba4-f2e6c9731d05992dd12721294940b61d.jpg)
Erik Stettler
Erik is co-founder of a global venture capital fund that has invested in 50 startups—which have raised more than $500 million—and has realized six exits. He serves as Toptal’s Chief Economist.
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