Build a Bankable Business.

Build Real Wealth.

The Small Business Administration regularly highlights that one of the top 5 reasons small businesses collapse is inadequate capital (i.e. being underfunded).
The symptom? A weak grasp of business finance and the inability to turn numbers into strategic decisions.

The symptom of that is business finance literacy.

Roughly 21.5% of private sector businesses fail within their first year.

After 5 years, that number climbs to ~48.4%.

By the 10-year mark, about 65% of small businesses have shut their doors.

In fact, about 29% of business failures cite “running out of cash” (i.e. liquidity) as the cause.

And cash flow problems—stemming from poor financial management or lack of capital—are implicated in 82% of business failures.

These aren’t just statistics, they are red flags for every entrepreneur. If you can’t read, manage, and optimize your financials, you’re flying blind.

Don’t let that be you.

Profit and Loss U (PLU) is here to change the game for you.

Why Business Financial Literacy is Not Optional?

When you lack fluency in business finance:

• You can’t forecast enough capital to sustain lean periods.
  
• You misprice products, mismanage margins, or overextend debt.
  
• You miss opportunities to scale.
  
• You remain dependent on external capital (credit cards, high-interest loans, predatory financing).
  
• Worst of all: you’re always vulnerable, one surprise expense or revenue drop could knock you out.

Contrast that with business owners who:

• Know exactly how much runway they have (and how much they need).
  
• Track and project cash flows, margins, and capital demands.
  
• Use data to make next-level decisions (investment, hiring, expansion).
  
• Build capital reserves deliberately, instead of constantly scrambling.
  

That’s what it means to build a bankable business.

At PLU, we teach you the financial backbone of business, how to read, interpret, model, and use financials to build sustainable growth and real wealth.

Here’s What You’ll Get

• Core Curriculum: CA$HFLOW DAY twice a month covering profit & loss, cash flow, balance sheets, forecasting, capital structure, and metrics.
  
• Real-World Application: Use your own business numbers as case studies. No theory divorced from reality.
  
• Tools & Templates: Financial planners, cash flow models, scenario simulators.
  
• Expert Guidance & Community: On cashflow days we give feedback and peer accountability.
  
• Wealth-Building Focus: Not just “stay alive,” but “scale smart,” “create equity,” “exit strategies.”
  

You’ll finish the program not just able to “delegate,” to your hired professionals but to drive decisions with confidence and become an effecient director of your thriving business, growing capital, seizing opportunity, and insulating yourself against failure.

What You’ll Learn

• A solid financial foundation in your business.
  
• A working cash flow runway model (so surprise downturns don’t wreck you).
  
• The ability to evaluate investment decisions (equipment, hires, marketing).
  
• Clarity about how much capital you need, when, and where.
  
• A system for profit, reinvestment, and long-term wealth creation.
  
• A business that’s not fragile, but robust, scalable, and bankable.

WHO IS THIS FOR?

• Small business owners who are looking to thrive in their business by mastering their business financials.

• Owners who have recently been declined for any business loan request.

• Entrepreneurs who want to build financial credibility.

• Startups looking to structure their finances for growth.

• Business owners tired of being overworked and underpaid.

Why Now?

Entrepreneurship is too risky to operate by gut instinct alone.
The data shows more than half of businesses don’t make 5 years, often because of capital mismanagement, not lack of ideas.

If you don’t master the numbers, you stay reactive, chasing cash, stuck under debt, and always one shock away from collapse.
But if you do master them, you build resilience, margin, strategic flexibility, and ultimately wealth.

Empower Your Business - its only as strong as its financials. PLU gives you the knowledge and tools to take control of your numbers, position yourself for funding, and start making decisions that actually build wealth, not just revenue.

Get Your

Profit and Loss MBA!

PLU's aim is to increase successful funding in your business and empower you to succeed by learning the "ownership" part in your business ownership journey.

Frequently Asked Questions

You have questions? We have answers.

WILL THERE BE REPLAYS OR RECORDINGS?

No. Our Founder have been doing digital classes in so long and have made replays available. No one ever watches the replay after further tracking this. Your optimal result depends on you showing up on the 10th and the 25th of the month.

WHAT IF THE 10TH OR THE 25TH FALLS ON A WEEKEND OR HOLIDAY?

We will meet the Friday before same time as always, just different day.

WILL I HAVE ACCESS TO KAREEN OUTSIDE OF THE LIVE CALLS?

As members, you'll gain exclusive access to me within our brand-new private "PLU" Facebook community, e-mail and during our sessions on the 10th and the 25th of each month at 11:00am PST.

HOW IS PAYMENT MADE?

We've made payment a breeze—quick, simple, and secure! Take your pick from a range of convenient options like credit/debit cards, PayPal, and other secure online methods. Just select your preferred payment option during checkout, and voilà!

Once your payment is confirmed, you'll instantly unlock access to all the exclusive benefits and resources our membership has in store. It's time to invest in yourself and your financial future—let's make your journey to financial freedom official!

IS THERE A REFUND POLICY?

Refunds will only be provided if you've done everything and executed everything in your power using my teachings and it still not working. You have to provide proof and documentation.

IS THERE A MEMBERSHIP CONTRACT?

At PLU, we believe in giving you the flexibility and freedom to manage your membership as you see fit. The contract is renewable every quarter.

FIXED MEMBERSHIP RATE

Rest assured, the cost of your membership will remain fixed based on the time you joined. We're committed to providing you with consistent value, and your membership rate will never increase as long as you remain a paid member with no breaks in service.

REJOIN ANYTIME

Should you decide to leave and return later, you'll be welcomed back with open arms. However, please note that if you choose to rejoin at a later date, you'll be presented with the most current membership price at that time which might be higher.

Join us today and lock in your membership rate—you deserve to thrive and stay in business with joy!

YOUR EDUCATOR

I grew up watching my Mom struggle as an entrepreneur so I made it my life’s mission to help women like her.

I spent 25+ years in banking and finance only to discover my mother’s story multiplied in brilliant and ambitious women who are OOUs - overlooked, overworked and underpaid.

As a former Bank VP, I now use my 25+ years of insider knowledge to teach women how to transform their business into a wealth building machine and then I empower them to give some of their wealth away powerfully to create multiple streams of impact.

I deploy all of this in multiple business verticals…

1. Alternative lending business @ bottomline.™️

- I used to decline and dump 80% of my deals as a Bank VP. I’m here to disrupt that broken system where my Bank VP partners can decline and love through the strength of our partnership. Together, we build a community of business owners who can turn their business from declined to bankable and get back into the traditional lending channel with them ASAP.

2. Online Business School @ Profit & Loss U

- This is where I love on them. The only way to learn how to become bankable is to make a long-term commitment to continuing education how to.

3. Signature Live Event @ Friendsgiving Live®

- Money making is great. Giving some of it away is greater. Empowering a community of women owners to have a noble cause attached to their for-profit business.

4. Podcast/YouTube @ Sugar Mommy™️

- A Sugar Mommy™️ is a woman who is unapologetically pursuing wealth, building bankable businesses and funding her lifestyle. We get granular about bankability, women and wealth.

5. Speaking Career (Bankable AF: How to Turn Your Business Into a Wealth Building Machine)

- I’m a professional speaker for hire and I would love to speak at your event or conference soon!

▶️ Ready to work with me?

+ Subscribe to my YouTube and Podcast, Sugar Mommy™️, to get valuable knowledge at no cost.

+ Bank VP, SVP, EVP? Partner with our alternative lending channel @ bottomline.™️

+ Join Profit & Loss U: The best bang for your buck, my Inner Circle Community that gives you access to me and our cashflow days 2x a month (Highest-value, lowest ticket as my VIP Day is $15,000 for a 7-hour intensive 1:1 going through your business OPS)

+ Hire Me To Speak (rate negotiable)

+ Book a VIP Day or Half a VIP Day

And if you’re a well networked female leader who wants to AMPLIFY your brand by hosting Friendsgiving Live® once a year? DM me AMPLIFY.

LEGACY: Have you ever thought your epitaph?

Mine: She empowered you to build wealth and give some of it away powerfully. ✞