What Cloudflare actually does for a small business
Four jobs worth understanding, because they explain most of what goes right and wrong.
DNS: the address book for your domain
Every time someone loads your site or sends you email, something has to look up where that traffic goes. That is DNS, and Cloudflare answering those queries is fast and reliable. More importantly, it puts every record for your domain on one screen, which matters enormously the day something breaks.
The commonest problem we meet is not a misconfiguration. It is that nobody knows who controls the DNS at all. The web person who set it up moved on, the login belongs to an agency that no longer answers, and the domain quietly renews to a card nobody recognises. Establishing control of your own DNS is a real piece of work and it is worth doing before you need it urgently.
SSL and TLS: the padlock, and what it really means
Cloudflare can issue the certificate that makes your site load over https. What people miss is that there are two halves to that connection: visitor to Cloudflare, and Cloudflare to your actual host. The encryption mode decides whether the second half is protected too. Set it wrong and you get a padlock that is lying, a redirect loop, or a warning page that scares off every visitor. This is the setting that causes the most confusion and it is worth getting right rather than guessing.
Caching: the speed part
Your images, stylesheets and often your pages get stored on Cloudflare's network and served from near your visitor rather than from your origin server every time. Real gain, especially for people far from your host. It is also the reason you can update a page and still see the old one: cached copies persist until they expire or are purged. Knowing that saves an hour of thinking you are losing your mind.
Protection
Bot filtering, rate limiting and mitigation of the flood attacks that would otherwise take a small host offline. There is also email address obfuscation, which hides the addresses printed on your pages from the scrapers that harvest them for spam lists. It is a small feature that quietly saves you a lot of junk, and it is on our own site.