02 · Finance & Profitability
“Help me understand where the money goes.”
Numbers the owner can run the business on: cash forecasts, cost models, profitability by job or service, collections that work, measured on gross margin, operating profit, cash availability, and receivables. Engagements start from $500, with scope confirmed before work begins.
Illustrative scenarios, not client results.
FlagshipPricing & Profit ImprovementCost model, price scenarios, margin targets and a rollout plan, implemented with your real numbers in 2–4 weeks.
Choose this if…Your costs have increased, but you don’t know what to charge.
ExampleA bakery is selling more but earning less as ingredient and packaging costs rise. We calculate product costs, compare pricing options, and prepare a rollout plan for revised prices and bundles.
01Business Financial Health ReviewRevenue, cost, margin, and cash review; prioritized improvement actions.
Choose this if…You’re busy, but you cannot tell whether the business is financially healthy.
ExampleA restaurant owner sees steady sales but little money left at month-end. We review revenue, expenses, margins, and cash movements to identify the main pressures and prioritize corrective actions.
02Cash-Flow Planning13-week cash forecast, payment calendar, weekly update process.
Choose this if…You struggle to predict whether you’ll have enough money for upcoming bills.
ExampleA landscaping company pays staff and suppliers before customers settle their invoices. We build a 13-week cash forecast showing expected receipts, payments, and potential shortfalls, with a weekly update routine.
03Product, Service, or Job ProfitabilityProfitability analysis by item, service, customer, or job; corrective actions.
Choose this if…You don’t know which products, services, or customers are worth the effort.
ExampleA cleaning company charges similar prices for contracts with very different workloads. We compare revenue against labor, supplies, and travel for each contract and identify work that needs repricing or operational changes.
04Cost & Supplier ReviewSpend analysis, vendor comparison, negotiation priorities, savings tracker.
Choose this if…Expenses keep rising, and you don’t know where savings are possible.
ExampleAn auto repair shop purchases parts from several suppliers and pays for overlapping software subscriptions. We organize spending, compare supplier terms, and identify purchases to renegotiate, consolidate, or discontinue.
05Inventory & Working-Capital ImprovementSlow-stock review, reorder rules, purchasing calendar, inventory dashboard.
Choose this if…Money is tied up in stock while your best-selling items run out.
ExampleA clothing boutique holds slow-selling sizes and styles while frequently reordering popular items. We review stock movement, identify aging inventory, and establish purchasing and reorder rules.
06Billing & Collections ImprovementDeposit and billing workflow, receivables tracker, reminder sequence, escalation rules.
Choose this if…You complete the work, but invoices go out late or customers take too long to pay.
ExampleAn electrical contractor waits until month-end to invoice completed jobs and follows up inconsistently. We establish billing milestones, a receivables tracker, payment reminders, and clear follow-up responsibilities.
07Budget & Owner DashboardOperating budget, break-even model, monthly dashboard, review routine.
Choose this if…You want a clear monthly view of performance and spending.
ExampleA salon owner tracks sales but has no plan for payroll, rent, supplies, or seasonal changes. We create an operating budget, a break-even model, and a dashboard comparing actual performance with the plan.
08Financing ReadinessBusiness narrative, financial document checklist, projections, funding-use plan.
Choose this if…You’re preparing to approach a lender and need your business information organized.
ExampleA catering company wants financing for equipment and a delivery vehicle. We organize its business narrative, financial document checklist, projections, and funding-use plan for lender discussions.
09Expansion or Investment AssessmentScenario model, capacity assumptions, cash requirements, decision criteria.
Choose this if…You’re considering a major commitment and want to understand the economics first.
ExampleA fitness studio is considering a second location. We model setup costs, membership scenarios, staffing needs, and cash requirements so the owner can compare options and establish decision criteria.
Monthly SupportOngoing Finance SupportCash forecasting, management reporting, margin monitoring, and owner reviews. Bookkeeping and tax preparation require separate licensed providers.
Choose this if…You need regular help understanding your numbers and following through on decisions.
ExampleA home-services company has a bookkeeper but needs help interpreting performance. Each month, we update its cash forecast, review job margins and overdue invoices, and agree on financial priorities with the owner.