A real CFO layer on top of your accounting-lender-grade monthly reporting, a rolling 13-week cash flow, and a monthly review with ownership. Built for companies with $1M to $20M+ in revenue where the books stopped answering the questions that matter.
You've taken on a credit facility and now there are covenants to calculate and report.
A lender or investor wants reporting your current books can't produce.
Cash got tight without warning, and you didn't see it coming.
You're preparing for financing, or for a sale, and the numbers need to hold up to scrutiny.
You're growing fast and you've lost visibility on where the real margin is.
Your biggest customer is quietly stretching payment terms and nobody is tracking it.
This sits on top of full accrual accounting with a locked monthly close, so the reporting is lender-grade rather than approximate.
Everything we do on the CFO side runs on one principle: you should always know what your cash is going to do next, and why. Profit is an opinion produced once a month. Cash is the thing that decides whether you can make payroll in week nine. We build the visibility around cash first, and everything else reports into it.
Discovery, systems access, a diagnostic review of where things actually stand, KPI selection, and building your 13-week cash flow model. Any cleanup or catch-up accounting is scoped and quoted separately at the start, so it never becomes a surprise line item later.
Books reconciled at the start of each month so the close has something clean to work from.
Monthly close completed and locked. This is what makes the reporting lender-grade rather than indicative.
Your monthly package — KPIs, variance analysis, budget versus actual, and commentary explaining what the numbers actually mean.
A working meeting with ownership. Not a presentation — a conversation about the decisions in front of you.
The 13-week projection is updated every week, because that is the horizon where cash problems are still solvable.
This is a monthly recurring partnership, not a project.
Monthly fixed fee, based on scope and complexity
Cleanup or catch-up work scoped and billed separately, agreed up front
Most clients stay twelve months or longer, because the value compounds
No long-term lock-in required
Payment release and final decisions always stay with the owner
One partner owns the engagement, and that is who you meet with each month
A bookkeeper records history. A tax CPA looks backward, once a year. Neither one tells you whether you can make payroll in week nine, whether your biggest customer has quietly stretched you to 75 days, or what a new project will do to your cash position.
One missed covenant, one mispriced job, or one cash crunch usually costs more than a full year of this service.
No. Payment release and final decisions always stay with the owner. That is a design choice, not a courtesy — you should not hand over control of your cash to anyone, including us.
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The service generally fits companies from around $1M to $20M+ in revenue, where financial complexity has outgrown basic bookkeeping. Below that, a good bookkeeper and a proactive tax CPA is usually the right answer, and we will say so.
No. This sits on top of your accounting. We do need the underlying books to be accrual and properly closed each month — if they are not there yet, cleanup is scoped separately at the start.
There is no long-term lock-in. Most clients stay a year or more because the reporting and forecasting get more useful as the history builds, but that is their choice, not a contract term.
Yes, including covenant calculations, board and investor packages, and the supporting detail lenders typically ask for.
It is a week-by-week projection of cash in and cash out over the next quarter. Thirteen weeks is far enough ahead to see a problem coming and close enough that the forecast is still reliable — it is the horizon where a cash problem is still fixable.
Answer a few questions and we’ll tell you honestly whether we’re the right firm for it. If we’re not, we’ll say so.
