“Revenue is up but I feel poorer.”
Growth consumes cash. Profitable businesses run out of money all the time, and they rarely see it coming.
Business Advisory & Outsourced CFO
Senior financial thinking, without the senior salary
Cash-flow forecasting, entity structure, pricing and the big buy-or-lease calls — for South Jersey businesses that have outgrown guesswork but cannot yet justify a full-time CFO.
What’s included
The questions that are too big to answer at 11pm on your own
There is a stage most growing businesses hit where the decisions get heavier than the tools. Revenue is up but the bank balance is not. A big contract arrives and you cannot tell whether it will make you or break you. This is the service for exactly that stage.
- Cash-flow forecasting. A rolling thirteen-week view, so you see the tight month coming while there is still time to do something.
- Entity structure. LLC or S-corp, modelled against your real numbers rather than a rule of thumb from a forum.
- Pricing & margin analysis. Which jobs, clients and services actually make money. Often not the ones you would guess.
- Budgeting & KPIs. A handful of numbers that matter, tracked monthly, instead of a dashboard nobody opens.
- Buy, lease or wait. Equipment, vehicles, premises and hires, analysed properly before the paperwork is signed.
- Exit & succession planning. Building a business that is worth something to somebody else, starting years before you need it to be.
Signs it’s time
You probably need this if any of these sound familiar
“I don’t know which clients make me money.”
Almost every business has a client or a service line quietly losing money. Finding it is usually the fastest profit win available.
“I’m guessing, and the numbers are getting big.”
Instinct scales well to a point, and then it stops. The tell is when a wrong call would genuinely hurt.
Common questions
Questions we get asked a lot
What exactly does an outsourced CFO do?
The thinking a full-time finance chief would do, at the fraction of the time your business actually needs. Cash-flow forecasting, pricing and margin analysis, budgeting, and being the person in the room who asks the awkward question before you sign the lease rather than after.
How much does business advisory cost?
Advisory engagements start at $850 a month, typically structured as a monthly working session plus availability in between. For one-off decisions, such as an entity restructure or a buy-versus-lease analysis, we quote a fixed project fee instead.
Is my business too small for this?
If you are making decisions with real money attached and guessing at the answer, you are not too small. Most of our advisory clients turn over between $500,000 and $8 million. Below that, our monthly bookkeeping and tax planning usually covers what you need.
Should my business be an LLC or an S-corp?
It depends almost entirely on your profit level and how much you pay yourself, and the crossover point moves. This is one of the most common questions we get, and it is a genuinely consequential one. We will model both for your actual numbers rather than quote a rule of thumb.
Let’s talk
Not sure if you’re overpaying? Let’s find out.
Thirty minutes, free, and genuinely no obligation. New clients get a no-charge review of their last two tax returns — we usually find something.