Core

Who this is for

• Businesses with annual revenues roughly $500K–$50M

• Owners or managers who need more than basic bookkeeping but not a full CFO on staff

• Companies with 1–3 business lines, seasonal sales, or periodic investment needs

• Organizations preparing for growth, rounding out lending applications, or improving internal forecasting discipline

Core Service Components

• Discovery & Financial Health Assessment

  • Review of historical financials (P&L, balance sheet, cash flows) and accounting practices

  • Identification of revenue drivers, margin centers, cost behavior, and working capital patterns

  • Cash runway and liquidity analysis, stress tests for common downside scenarios

  Budget Design & Forecasting

  • Rolling 12–24 month budget and forecast built from driver-based models (revenue by channel, COGS, payroll, fixed/variable overhead)

  • Monthly and quarterly forecast variants: base, conservative, and stretch scenarios

  • Integrated cash flow forecast tied to AR/AP aging, inventory, capital spending, and debt service

• Scenario Planning & Sensitivity Analysis

  • “What-if” scenarios for demand shifts, pricing changes, hiring, major contracts, and interest rate movement

  • Break-even and contribution-margin analyses for product lines or service offerings

  • Recommendations for contingency levers (cost cuts, pricing levers, financing options)

• Budget Governance & Processes

  • Monthly budget-to-actual reporting packages with variance explanations and actionable recommendations

  • Establishment of budgeting calendar, approval workflows, and version control

  • KPI selection and dashboard design for regular operational monitoring (gross margin, EBITDA, cash conversion cycle, burn rate)

• Cash Management & Working Capital Optimization

  • Recommendations to optimize AR terms, collections cadence, vendor terms, and inventory levels

  • Short-term cash forecasting and prioritization of payments under constrained liquidity

  • Identification of low-cost financing or credit lines where appropriate

• Capital Projects & Investment Appraisals

  • Financial evaluation of capital expenditures, lease vs. buy, and small acquisitions

  • NPV, IRR, and payback analyses with sensitivity ranges and funding options

  • Implementation plan for approved projects tied to budget and cash forecasts

• Ongoing Advisory & Implementation Support

  • Monthly or quarterly advisory meetings to review results, update forecasts, and adjust strategy

  • Hands-on support implementing recommended process changes with accounting or operations teams

  • Option for interim financial leadership or fractional CFO support during transitions