What are my financial reports actually telling me?

Business owners should understand their own numbers. We explain what’s happening without unnecessary financial jargon. We work alongside the CPA and bookkeeper who produce your reports, and turn them into something you can use: where the money came from, where it went, and what’s affecting profitability. If we can’t explain something in plain English, we haven’t done our job.

Can someone get my QuickBooks® organized and make the reports actually useful?

Yes. We look at whether the books are organized, accurate enough to be useful, and giving you information you can understand. Larger projects, like reconstructing a year of records, are scoped separately with their own deliverables, timeline and fee, so the monthly relationship stays focused on decisions.

What does a fractional CFO and COO do for a small business?

A fractional CFO and COO gives an owner-operated business senior financial and operational judgment without a full-time executive salary. In practice that means someone who knows your numbers, sits in on the big decisions, and is available when an important question comes up, for businesses that have outgrown basic bookkeeping but don’t need a full-time CFO.

Oversight · Fractional Controller

The step between bookkeeping and a CFO.

Many businesses reach a point where basic bookkeeping is no longer enough, but they don’t yet need a full CFO relationship. Fractional Controller services provide that next level of financial oversight.

Someone reviews the monthly statements before you see them, oversees the bookkeeping process, watches receivables, payables and cash, and turns the reports into management information you can use.

Questions this answers

Are the books right?
What changed this month, and why?
Who owes me, and for how long?
What can I actually spend?
Is the balance sheet telling the truth?
What should the reports show me that they don’t?

What we cover

Monthly statement review: The profit and loss and balance sheet checked for accuracy and for what changed, before they reach you.
Bookkeeping oversight: The process behind the numbers, reviewed so the books stay accurate as the business gets busier.
Receivables and payables: Who owes you, what you owe and how old it is, monitored every month, not discovered at year end.
Balance sheet review: Loans, equipment, inventory and owner accounts kept current, so the statements tell the truth.
Cash management: What is coming in, what is going out, and what is available after commitments.
Controls and reporting: Simple financial controls, and management reports built around the questions you actually ask.

What you get

Every month

Monthly financial statement review
Oversight of the bookkeeping process
Receivables and payables monitoring
Balance sheet review and account reconciliations
Cash position and short-term cash planning
Financial controls appropriate to the business
Management reporting package

This is where a business stops running on a bank balance and starts running on information. It is also the natural next step from Bookkeeping & Accounting, and the step before a CFO relationship makes sense.
Better oversight, better reports, and someone watching the numbers between the big decisions.

Proof

A retail storefront build-out under construction: metal stud walls, fresh drywall and blueprints open on a table

Construction / commercial contracting

Multimilliondollar operation, from a four-person crew

From a four-person crew to a multimillion-dollar operation

Provided financial and operational guidance that helped a growing construction company develop into a multimillion-dollar operation while managing the complexities of union payroll, prevailing wages, and project accounting.

payroll across multiple trades: Union; payroll across multiple trades
wage reporting built in: Prevailing; wage reporting built in

Read the case study