Financial smartness is a type of business intelligence constituted of the knowledge and skills gained from understanding finance and accounting principles in the business world. It has emerged as a best practice and core competency in many organizations leading to improved financial results, increased employee morale and reduced employee turnover. Financial smartness is not an innate skill, rather it is learned set of skills that can be developed at all levels. Companies go for smart leases of their fixed assets, debt financing under loans, Business Innovation Research grants, internal revenue services, crowd funding, angel investors, peer-to-peer lending, venture capital and many more. Such options are decided on the basis of in-depth analysis of leverage, liquidity and several efficiency ratios. The Financial smartness and behaviour of working employees is analyzed using the statistical tools such as frequency table, Chi-Square distribution, multiple response analysis and Factor analysis. Conducting Return on Investment (ROI) analysis and interpreting the results are also part of financial intelligence. Financial literacy goes hand-in-hand with financial intelligence. It involves the proficiency of financial principles and concepts such as financial planning, managing debt, profitable savings techniques and the time value of money.