Cash
Where’s the cash?
Plan for payroll, taxes, and owner pay before the next squeeze.
How we help Make business decisions
Fractional CFO guidance
Make business decisions
with numbers you understand.
A financial partner for the decisions that stay with you after work. We help service-business owners understand cash, improve pricing, and plan growth with a clearer view of what the business can support.
From numbers to next steps
Leave each review knowing what to do next.
- A clearer view of cash and margin
- Options for the decision in front of you
- A short, prioritized action list
Ongoing financial leadership, sized to your business and the work ahead.
For owners with a business to run—and bigger decisions ahead.
We typically work with home-service businesses at $500K–$10M in annual revenue. The fit depends on the decisions you face and the financial foundation you have. If the books need attention first, we can start there.
The questions behind the numbers
Work through the decisions on your mind
Owner time
What can I hand off?
Choose what to delegate or automate, and what you can afford to hire for.
Margins
Which jobs pay off?
Find the profitable work and adjust the pricing that falls short.
Growth
Can we afford it?
Check the cash and break-even point before adding a hire, truck, or shop.
What this looks like in practice
How we’ve helped other business owners
Landscaping company
Sales were growing, but profits were still too thin.
What changed
The owner adjusted pricing, improved profits, and began building cash for growth.
How we helped
We spotted the margin issue early, helped the owner understand where pricing needed to change, and built a financial rhythm to monitor gross profit, net profit, cash, and growth goals each month.
The company adjusted pricing, became meaningfully more profitable, and started building cash for the first time. Now we are helping them plan toward the next stage of growth with clearer targets, systems, and accountability.
Demolition contractor
The company’s pricing wasn’t covering costs as debt grew.
What changed
The owner gained a turnaround plan focused on pricing, margins, and paying down debt.
How we helped
We jumped in to rebuild pricing assumptions, track gross profit and net profit closely, and give the owner a clearer view of what needed to change week by week and month by month.
The focus shifted from survival mode to a structured turnaround plan: become profitable, pay down debt, and rebuild the company on pricing and margins that actually work.
Owner-operated service business
The owner’s rates covered wages but left out business costs.
What changed
The owner learned how to account for labor, overhead, and owner pay when setting rates.
How we helped
We helped reframe pricing around the real economics of the business: labor burden, owner compensation, overhead, margin, and what the company needs to charge to be healthy.
The owner gained a clearer understanding of why hourly pricing has to cover more than wages, and how to price work in a way that supports both the job and the business behind it.
Anonymized client examples. Outcomes reflect each business’s circumstances.
Working together
A roadmap, then a rhythm.
- 01
Start with the decision
Tell us what is on your plate: tight cash, a pricing question, the next hire, or a bigger growth plan. We work out whether CFO support fits.
- 02
Build the financial picture
We review your numbers, identify the pressure points, and build a roadmap around the decisions that matter most.
- 03
Keep a monthly rhythm
An early-month check-in, financial preparation, and a focused CFO review keep cash, margins, and the next actions visible.
CFO engagements are scoped around your business and the support you need. After discovery, you receive a proposal with the work and pricing clearly defined.
Financial direction, connected to the work
Sometimes the next step is a better system.
A financial review can reveal a problem in pricing, collections, or the way information moves through the team. We can help put the improvement into practice.
A reliable starting point
Monthly bookkeeping and cleanup give decisions a stronger foundation. We can work with your existing bookkeeper or handle the books ourselves.
Explore bookkeepingBuild the improvement
Custom applications and integrations can connect quoting, payments, commissions, and reporting. Scope a specific project when the business case supports it.
Explore software & automationExperience in home services
The numbers behind your trade.
Not sure whether you need a CFO yet?
Read the decision guideBefore we work together
Questions about working with a CFO
We act as your part-time financial leader. That means finding the bottleneck behind tight cash, thin margins, owner overload, or unclear growth, then turning the numbers into useful decisions: pricing, hiring, cash flow, Profit First allocations, margin improvement, and the monthly rhythm to keep it visible.
Home-service businesses typically $500K-$10M in revenue: HVAC, plumbing, electrical, construction, landscaping, roofing, and similar owner-led companies. You have real decisions on the table and usable financial data, but you need sharper interpretation, CFO judgment, and a plan for what to fix next.
Bookkeeping keeps the records clean. Tax prep keeps you compliant. We help you use the numbers to run the business: diagnose what is holding back profit or cash, model the options, recommend the next move, and keep the action list visible. If your records need attention first, our bookkeeping team can handle cleanup and monthly books. We work alongside your CPA or tax preparer for tax filing.
Most clients start with a roadmap and move into an ongoing monthly partnership. The work usually includes financial strategy, pricing and margin analysis, cash-flow forecasting, Profit First implementation, bottleneck diagnosis, decision modeling, reporting you will actually use, and a prioritized action list every month.
We price in flexible tiered packages sized to your revenue and scope. After the discovery call we send a custom proposal — no hidden fees, no annual lock-in you'll regret.
Send us a note and we'll reply within one business day. If there's a fit worth exploring, we set up a longer conversation to dig into the business and build your roadmap.
Let’s find the starting point
What decision is on your mind?
Start with a conversation.
Tell us what is getting in the way. We’ll listen, ask a few questions, and work out whether there’s a useful next step together.
(484) 999-3347Helping businesses in West Chester and across the US.
We reply to inquiries within one business day.
Or tell us a little about it.
No need to have the solution figured out.