Financial planning for growing businesses

The Problem

You check your bank balance to make decisions. Should you hire someone? Buy that equipment? You're guessing based on what's in the account today, not what you'll need three months from now. By the time you realize there's a problem, you're scrambling for emergency loans or cutting expenses that hurt the business.

How We Help

We give you clear, plain-English financials that show exactly where your business stands and where it's headed:

• Location-by-location P&L: see which spots are profitable and which need attention
• Daily cash position tracking: know your actual available cash every morning
• 13-week rolling cash forecast that updates automatically with your real numbers
• Live runway tracker showing how many months of cash you have at your current burn rate
• Safe-to-spend balance: the amount you can use today without risking future obligations
• Automated alerts when cash gets tight (before it becomes a crisis)
• Monthly bookkeeping closed within 5 business days, tax-ready

Scenario Planning

Model major decisions before you make them. See exactly how each choice impacts your cash:

• Hiring simulations: What happens to cash if you add 2 salespeople? What if one doesn't work out?
• Hiring freeze analysis: How much runway do you gain by pausing hiring for 3 months?
• Layoff modeling: If you had to reduce staff, which positions and when to preserve the most runway?
• Price change sensitivity: What happens if you raise prices 10%? What if 20% of customers leave?
• Expansion scenarios: Model new locations, new products, or new markets before investing
• Seasonality smoothing for retail, tourism, construction, and other seasonal businesses

Key Benefits

How It Works

The Problem

Your books are technically "done," but they're messy. Reconciliation takes forever. You're paying vendors on different schedules with no clear system. Payroll feels expensive but you're not sure if it's structured right. Small inefficiencies add up to real money leaking out of the business.

How We Help

We clean up the back office so your money works harder and your team works smarter:

• Automated bank and credit card reconciliation (catch errors and fraud immediately)
• Payroll structure optimization: find tax savings in how you pay employees and contractors
• Vendor rationalization: identify duplicate services, better payment terms, and volume discounts
• Payment timing strategy: pay vendors when it helps your cash, not when invoices arrive
• Month-end close acceleration: get your books done in days, not weeks

Key Benefits

How It Works

The Problem

You're paying 8% on a loan when you could refinance at 5.5%. Your line of credit sits unused because you're not sure when to tap it. Your bank wants quarterly financials but you're three months behind. When you need capital, you're scrambling to package numbers instead of negotiating from strength.

How We Help

We manage your banking relationships and debt strategy so you're always ready for opportunities:

• Loan readiness reviews: get your financials organized before you need money
• Covenant tracking: monitor loan requirements automatically, alert you before violations
• Refinance timing analysis: know when rates and your position make refinancing worth it
• Line of credit utilization strategy: use your LOC smartly to smooth cash, not as emergency money
• Bank relationship support: quarterly reporting packages, answering bank questions, maintaining good standing
• Debt capacity modeling: know how much you can safely borrow without overleveraging

Key Benefits

How It Works

The Problem

Every April, you get hit with a tax bill that wipes out months of profit. You find out too late about deductions you missed, purchases you should have timed differently, or retirement contributions you could have made. Your accountant files your return, but there's no plan to minimize what you'll owe next year.

How We Help

We work year-round to reduce your tax bill while keeping you on the right side of the IRS:

• Quarterly tax planning sessions: project what you'll owe and find opportunities now
• Real-time scenario modeling for major purchases and business decisions
• Entity structure optimization: make sure you're organized the right way as you grow
• Retirement plan strategy: save taxes now and build wealth for later
• Coordinated execution with your CPA: we plan, they file, no duplicate fees
• Estimated payment planning: spread tax costs throughout the year, avoid surprises

Key Benefits

How It Works