"Sales are up. Why is my account empty?"
Profit and cash are different things. A rolling 13-week forecast shows the gap coming — collections timing, inventory, payroll runs — instead of finding it on a Friday afternoon.
Direction
A finance department, without the payroll.
Annual budgets, cash flow forecasting, pricing and margin analysis, job costing for contractors, internal controls, and the reporting package lenders and investors ask for. Available as a standing engagement, a defined project, or a fully outsourced finance department.
Included
What advisory covers.
- Annual budget development and quarterly re-forecasting
- 13-week rolling cash flow forecast
- Pricing and gross margin analysis
- Job costing for contractors and project-based businesses
- Hiring and capacity modelling — fully loaded cost and break-even
- Internal controls design and segregation of duties
- Outsourced controller services
- Lender, investor and board reporting packages
- Three-year financial model
- Operations support and outsourced finance department
The questions it answers
The ones that keep owners up.
"Can I afford to hire someone?"
We model the hire against your real margins and runway: fully loaded cost, the month you break even, and what has to be true for it to work. You get a number, not a shrug.
"Which work actually makes money?"
Overall profit hides the jobs that lose money. Job costing usually finds them inside one quarter.
Questions
About advisory.
What does a fractional CFO do?
A fractional CFO provides senior financial leadership part-time — building budgets and forecasts, analysing margins and pricing, setting up internal controls, and preparing the reporting that lenders and boards require. You get the judgement without a full-time salary.
How is this different from bookkeeping?
Bookkeeping records what happened. Advisory decides what to do about it. Most clients need the first before the second is worth paying for — which is why we don't sell advisory to businesses whose books aren't yet reliable.
Can we do this as a one-off project?
Yes. An annual budget build, a three-year model, or a lender reporting package can all be scoped as fixed-price projects rather than a standing engagement.
Bring us your worst month.
Thirty minutes, no cost, no pitch deck. We'll tell you what we'd fix first and roughly what it would cost — even if the answer is that you don't need us yet.