Business finances, in order.
You cannot steer what you cannot see. Clean, current numbers change every decision that follows.
How money hides in a busy company.
Each one is common. None of them are permanent.
The close is always late
Last month's story arrives half a quarter later.
Profit but no cash
The P&L looks fine but the bank balance keeps shrinking.
Pricing by gut
Nobody knows which jobs actually make money.
One big customer
Concentration a lender will price against you.
Borrowing blind
Talking to a bank without a model or a story.
No monthly rhythm
Numbers reviewed when something breaks.
Three moves, in order.
Clean the books
A monthly close you can trust, on time.
See the drivers
Margin by job and customer, a cash forecast, honest pricing.
Fund the plan
Lender-ready reporting and the model behind the ask.
Common questions.
How do I get my business lender-ready?
Clean monthly closes, margin visibility, a cash forecast, and a model behind the ask. Lenders price uncertainty, and the work removes it.
Why is cash tight when we are profitable?
Profit is an opinion about a period. Cash is timing. Growth eats working capital through receivables and inventory, and a forecast is how you see it coming.
Can you work with our bookkeeper or CPA?
Yes, and we prefer to. They keep their role. We add the operating discipline: close cadence, drivers, pricing, and the reporting a lender wants.
What size company is this for?
Owner-led companies that have outgrown gut-feel finance. If the numbers arrive late or nobody trusts them, this work fits.
See your numbers
clearly.
A 30-minute conversation, no pitch. Based in Cedar Rapids and Iowa City, working with owners across Iowa.