The finance side, handled.
Five services, one goal: you always know where you stand and what to do next. Most clients start with one and add more as they grow.
Fractional CFO
CFO means chief financial officer: the person who owns the money side of a business. Fractional means part time.
A senior finance lead who knows your business, on a schedule that fits your size. We run the monthly rhythm, keep the forecast current and help you think through the big calls.
What you get
- Monthly review meeting
- Rolling 12-month forecast
- Help with bank and board updates
Good fit if
- You make the money decisions alone
- Growth is creating new questions
- A full-time hire feels too early
You will walk away with
- A clear plan for the year
- A partner for hard decisions
- Fewer surprises
Cash flow and forecasting
Cash flow is the timing of money in and money out. Profit on paper does not pay the bills; cash does.
We build a forecast that shows your bank balance week by week. You see tight spots coming and have time to act: chase an invoice, move a purchase, talk to the bank early.
What you get
- 13-week cash forecast
- 12-month outlook
- What-if scenarios
Good fit if
- Payroll week makes you nervous
- Customers pay slowly
- Sales are seasonal
You will walk away with
- A view of the weeks ahead
- A plan for slow months
- Better sleep
Budgets and monthly reports
Budget vs actual compares what you planned with what really happened, line by line.
We set a realistic budget with you, then send a one-page report every month. It shows the few numbers that matter, what moved and why, in words as well as charts.
What you get
- Annual budget
- One-page monthly dashboard
- Short written summary
Good fit if
- Reports arrive late or never
- You cannot tell if a month was good
- Your team needs targets
You will walk away with
- A report you actually read
- Targets people understand
- Earlier warnings
Pricing and profitability
Gross margin is what is left from a sale after the direct cost of making or delivering it.
Busy does not always mean profitable. We work out what each product, service or customer really earns you, then help you test price changes and trim costs that do not pull their weight.
What you get
- Margin by product or service
- Customer profitability
- Pricing options to test
Good fit if
- Sales are up, profit is not
- You have not raised prices in a while
- Some jobs feel like a loss
You will walk away with
- Clear winners and losers
- Confidence to set prices
- A tidier offer
Loan and investor readiness
Due diligence is the checking a lender or investor does before they say yes.
Before you ask for money, we get your numbers clean, your forecast credible and your story clear. We help you prepare for the questions you will be asked. We do not arrange loans or sell investments.
What you get
- A tidy financial pack
- Forecast with clear assumptions
- Practice for lender questions
Good fit if
- You plan to borrow or raise
- A bank asked for a forecast
- You want to buy equipment or space
You will walk away with
- Documents ready to share
- Answers you can defend
- A calmer meeting
Four words we use a lot.
Finance has plenty of jargon. Here is what we mean when we say these, in one line each.
- Runway
- How many months your cash would last if nothing changed.
- Forecast
- Our best estimate of the months ahead, updated as things change.
- Close
- Finishing and checking the books for a month so the numbers are final.
- Working capital
- Money tied up in stock and unpaid invoices, minus bills you owe.
Start with a conversation.
Tell us what is keeping you up at night. We will suggest the smallest useful first step, even if that is not us.