BUSINESS ADVISORY
Can you afford to hire?
Why does cash feel tight?
You don’t have to work through every business decision on your own. Whether you’re thinking about hiring, changing your prices or making a purchase, we’ll help you understand the numbers, talk through your options and decide what to do next.
DOES THIS SOUND LIKE YOU?
Questions that come with running a business.
- Sales are growing, but cash still feels tight.
- You’re unsure whether your prices cover the work involved.
- You’re wondering if you can afford another employee.
- You’re weighing new equipment, a bigger space or another investment.
Bring the questions that keep coming up. We’ll help you work through them.
HOW WE CAN HELP
01
Understand your cash
We’ll look at when customers pay, when bills fall due and what spending is ahead. Together, we’ll build a clearer view of the weeks that may need extra attention.
02
See what’s profitable
We’ll use the records available to explore what your products or services earn after costs, and what a change in pricing or spending could mean for your business.
03
Decide your next steps
We’ll compare the options you’re considering, talk through the assumptions and agree on practical actions. You’ll know what to keep an eye on and when to review your decisions.
WHAT YOU’LL RECEIVE
A clearer picture. Practical next steps.
We’ll agree on the analysis that will help you most. That may include a cash forecast, a closer look at profitability or a comparison of your options. You’ll receive a written action plan with the assumptions, responsibilities and dates we’ve discussed.
HOW OFTEN WOULD YOU LIKE HELP?
One question, or someone to check in with.
We’ll agree on the work, fee, meeting schedule and any support between meetings before we begin.
SEE IT IN PRACTICE
See a simple example: could a business afford its next hire?
Try this fictional example to see how a new hire or slower customer payments could affect a business’s cash over four weeks.
ILLUSTRATIVE DATA · NOT A CLIENT RESULT
Expected collections keep closing cash above the illustrative $25,000 floor in all four weeks.
View the numbers and assumptions
| Week | Receipts | Payments | Closing cash |
|---|---|---|---|
| 1 | $18,000 | $20,000 | $38,000 |
| 2 | $21,000 | $23,000 | $36,000 |
| 3 | $16,000 | $24,000 | $28,000 |
| 4 | $25,000 | $19,000 | $34,000 |
Closing cash = opening cash + receipts − payments. Each week starts with the previous closing balance. Slower collections shift $7,000 beyond this four-week window. Hiring adds $2,500 to each week’s payments. The cash floor is an illustrative management choice, not a universal benchmark.
The conversation starts with the assumptions: when customers will pay, the cost of the new role and how much cash the owner wants to keep available.
GETTING STARTED
Start with what’s on your mind.
You don’t need a perfect set of reports before getting in touch. Tell us what you’re trying to decide and what information you have. We’ll explain what else would help and how to share it securely.
If you’d like a head start, use the parts of our checklist that fit your business.
- Recent profit and loss statements and balance sheets, if available
- What customers owe you, upcoming bills and loan payments
- Any budget, forecast or quotes for planned spending
- The two or three business questions you most want to work through
A FEW COMMON QUESTIONS
Before we get started.
Can you work with my existing bookkeeper or accountant?
Yes. With your permission, we can coordinate with the people who already help with your books or taxes. We’ll agree on who provides the records, who handles each task and how to keep everyone informed.
What if my records aren’t fully up to date?
You can still get in touch. We’ll look at what’s available, identify any gaps and explain what needs attention before we can rely on the numbers. If bookkeeping cleanup is needed, we’ll discuss who will handle it and any separate arrangement before proceeding.
Are bookkeeping and tax preparation included?
They are not automatically included in business advisory. Your proposal will explain the services and fees we’ve agreed on, what we’ll handle and any work that stays with your existing providers.
LET’S TALK