Fractional CFO & Advisory
Financial guidance for business decisions. Pricing, hiring, expansion, loans. The answers you need without a full-time hire.
What This Is
Bookkeeping tells you what happened. Advisory helps you figure out what to do next. Should you buy that truck or lease it? Can you afford another employee? Is that big project worth taking? Why is cash always tight when you’re supposedly making money?
Most small businesses can’t justify a full-time CFO. But the questions that need CFO-level thinking don’t wait until you can. This service gives you access to financial guidance when you need it, without the overhead of a permanent hire.
The Work
The Work
Cash flow forecasting, pricing analysis, break-even calculations, hiring decisions, equipment purchases. The financial thinking behind major business decisions.
The Relationship
The Relationship
Monthly check-ins to review the numbers and plan ahead. Direct access when a decision comes up and you need someone to run the math before you commit.
Why It Matters
Growth is where businesses get into trouble. You take on a big job without realizing it will drain your cash for three months. You hire because revenue is up, then find out those wages push you into the red during slow season. You turn down work because you’re not sure you can handle it, when the numbers would have said yes.
Most business owners know their trade better than anyone. Financial strategy is a different skill set. It requires experience most operators never had a reason to develop.
The Cash Flow Gap
The Cash Flow Gap
Profitable on paper doesn’t mean cash in the bank. Understanding when money comes in versus when it goes out is the difference between growth and crisis. Most owners learn this the hard way.
The Pricing Question
The Pricing Question
Are your prices actually covering your costs? What’s your break-even? What happens to margin if materials go up 10%? These questions have answers. Most people never run the numbers.
What You Get
Someone who knows your numbers and can help you think through decisions before you make them. When the bank asks for financials for a loan, they’re ready. When you’re weighing a major purchase, you see what it does to cash flow over the next six months. When you’re not sure whether to take on a project, you get a real answer instead of a gut feeling.
This isn’t theoretical consulting. It’s practical financial guidance from someone who understands small business and can translate the numbers into plain English.
Loan Preparation
Loan Preparation
Banks want organized financials before they lend. P&L, balance sheet, cash flow projections. We prepare the package and help you understand what the numbers say about your business.
Decision Support
Decision Support
Before you commit to a hire, a purchase, or a big project, you know what it means financially. Not a guess. An actual forecast based on your real numbers.
Northwest Ohio’s Trusted Bookkeeping Partner
The Next Step:
A 15-Minute Discovery Call
Let's talk about your current bookkeeping situation. We'll assess your needs, outline a plan of action, and give you a clear quote.
