Resources
Insights on cash flow, financial leadership, and growing your business.
A fractional CFO for a moving company does three things a bookkeeper never gets to. They price jobs by what they actually cost to run. They build a cash reserve that survives the slow months. And they give the owner a weekly read on the numbers, not a surprise at tax time. Most moving and […]
Read articleAlmost every owner I have worked with has had the same week at least once. The month closed profitable. Yet the bank balance says something different. Payroll is Friday, a quarterly insurance renewal just cleared, and the two biggest invoices are still sitting in a customer’s approval queue. Nothing is wrong with the business. Everything […]
Read articleI have sat in a lot of leadership meetings where three people had three different numbers for the same week. Not because anyone was careless. Sales pulled from the CRM, operations pulled from the field, accounting pulled from the general ledger, and all three pulled at a different hour. The meeting turned into a debate […]
Read articleMost owners treat hiring a fractional CFO as a sizing question. Are we big enough yet? Do we check enough boxes? That’s the wrong frame, because the cost of waiting to hire a fractional CFO has nothing to do with size. It’s what quietly compounds in the meantime. The same engagement, the same person, the […]
Read articleEvery company has an account that everyone treats as untouchable. Run a real customer profitability analysis on it and you may not like what you find. It’s the biggest one. It’s been there the longest. A quarter of revenue rides on it, and everybody in the building knows you don’t lose it. When the schedule […]
Read articleRevenue was up 34%. Net income was down 11%. It’s a classic revenue up, profit down pattern, and it almost never means what owners assume it means. The owner’s first instinct was that costs had gotten away from him. Somebody wasn’t watching closely enough, or someone had gotten sloppy while the whole team scrambled to […]
Read articleAccounting for landscaping companies looks simple on the surface. You bill clients, you pay crews, you buy fuel. But under that, the books are pulled in three ways at once. Sales swing hard with the seasons. Trucks and mowers lose value on a schedule that few owners track well. And labor, the biggest cost on […]
Read articleWhen a Small Business CFO Makes Sense: 7 Signs It’s Time Most small business owners wait too long to hire a CFO. They assume a small business CFO is something only $50 million companies need. A luxury hire reserved for venture-backed startups or established mid-market firms. So, they keep running the business on gut instinct, […]
Read articleWhat Is Days Sales Outstanding (DSO) and How to Improve It You sent the invoice 47 days ago. The customer hasn’t paid. They haven’t called. They haven’t responded to the polite follow-up your bookkeeper sent two weeks back. Meanwhile, you’ve already paid the labor and materials it took to do the work. That gap kills […]
Read articleHow the Monthly Financial Close Process Works It’s the 22nd of the month. You still don’t have last month’s financials. So you ask your bookkeeper. The answer matches what you heard last month: “Almost done — just a few things to clean up.” The books finally land in your inbox days later. By then, the […]
Read articleAccounting for Trucking Companies: What Owners and Fleet Operators Need to Know Trucking is one of the hardest industries in America to run profitably. The financial side is most of the reason. Fuel prices swing 30 percent in a year. Driver pay structures are complex. Brokers take 60 days to settle. Equipment costs move on […]
Read articleHow to Improve Cash Flow in a Service Business: 7 Tactics That Actually Move the Needle If you run a service business doing $2M to $10M in revenue, you have probably had this experience: you close a strong month on paper, look at your bank balance, and feel like the numbers do not match. You […]
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