• Need money to grow your business?

    Requesting a business loan without adequate preparation sends a clear message to the lender: High Risk! Therefore, it pays to be prepared and organized in your approach for financing.

    Put your best foot forward by allowing us to prepare a winning loan proposal for you. Our proposals have a high likelihood of success because they’re created from the lender’s perspective.

    You get the money you need because we know exactly what banks want to see. Even more importantly, we know how to prove to them that you’ll be able to pay them back.

    Our winning loan proposals come complete with…

    • Executive Summary: Where we concisely state the purpose of the loan, the exact amount of money required, an explanation of what the loan will be used for and why it’s needed.

    • Pro-forma Cash Budgets and Financial Statements: We use your data and underlying assumptions to prepare information that your banker can easily read and buy in to.

    • Owners Personal Financial Statements: We make copies of the last 3 years of personal tax returns for the bank as well as identify the collateral being pledged as security for the loan.

    • Representation: We help substantiate your financial needs/position to your banker in person.
  • A wise business owner once said, “Happiness is a positive cash flow.” As a business owner, I’m sure you agree. Everything is better when your cash-in exceeds your cash-out.

    A cash crisis can be emotionally devastating and it can even kill your business. If you’ve ever had to beg, borrow and steal to cover tomorrows payroll you know what I mean.

    Our cash management service allows you to…

    • know when, where, and how your cash needs will occur.

    • know what the best sources are for meeting your additional cash needs.

    • be prepared to meet these needs when they occur, by keeping good relationships with bankers and other creditors.

    The starting point for avoiding a cash crisis is allowing us to develop a cash flow projection for you. We can help you develop both short-term (weekly, monthly) cash flow projections to help you manage daily cash, and long-term (annual, 3-5 year) cash flow projections to help you develop the necessary capital strategy to meet your business needs.

    We also prepare historical cash flow statements to help you gain an understanding about where all the money went.

    Creating an accurate cash flow projection is just one of the many cash management services we provide. You also get…

    • Help obtaining an appropriate line of credit

    • Cash collection acceleration techniques

    • Proven effective collection policies

    • Proven effective payment policies

    • Help obtaining the maximum rate of return on your idle cash
  • Part Time CFO Services

    Growing businesses often reach a point where they need professional financial advice, but can’t afford a full-time CFO or controller.

    If you’re fortunate enough to be in this position then we have the perfect solution for you. Our Part-Time CFO service gives you a professional financial manager who works with you to help guide your business to success.

    The cost of hiring a full-time CFO can range from $60,000 to over $100,000 per year plus bonuses and benefits. Our Part-Time CFO services provides you with experienced support at a small fraction of that cost.

    Here’s what you get with our Part-Time CFO services…

    • More time to focus on new services, new customers and other core business issues.

    • Better understanding of the financial side of your business. So you have less surprises and more control over the money.

    • Improved decision-making capabilities from clearly seeing the hard and true numbers of your business.

    • A readily available sounding board to help you with those tough business decisions and help you clarify your business plans.

    • The comfort from knowing that a professional is overseeing, protecting and constantly improving the financial side of your business.

    • A professional who establishes strong financial controls in your business to reduce employee theft and increase profits.

    • Training and managing your accounting staff.

    • Improved quality and timeliness of financial information.

    • Budget preparation and monitoring.

    • Profitability analysis by service or product line.

    • Tax saving strategies.

    • Trend analysis.

    • Assistance in defining long-range plans and the quantification of goals.

    • Cash management.

    • Liaison with bankers, attorneys, vendors, insurance agents, etc.

    • Assistance in obtaining financing from banks, including assistance with negotiations.

    • Review/negotiation of insurance policies.

    • Development of company accounting procedure manuals.

    • Analysis of equipment purchases, expansions, etc.

    • Mergers and acquisitions assistance

    • Custom designed collection policies and procedures

  • No business owner likes to lose track of what fixed assets he owns.  As an investor in your own company, you want to make sure that your fixed assets remain in your possession and that they are working effectively to maximize the return on your investment. 

    Whether or not you have a comprehensive list of all your assets and their values, we can help you maximize your benefit when it comes to your fixed assets.  We can help you identify your assets, develop a naming and labeling system, enter them into your accounting records, maintain depreciation, book gains and loses on the sale or disposition your assets and much more. Your assets represent value to you and to your business.  Let us help you maintain that value!

  • Thinking of owning your own business?

    Opening your own business is exciting and thrilling. It’s everything that comes after the excitement and thrill has worn off that dictates whether a small business will make it or not. It’s up to you to maintain and stretch out the “thrill and excitement” period forever.

    A methodical plan of action is needed to fulfill your dream or goal of being your own boss and running a successful business. Success lies in the approach you choose to take. We help you avoid the common pitfalls that many new small business owners make when starting their new venture.

    We help you…

    1. Prepare an initial business plan to clarify your marketing, management, and financial plans.

    2. Determine your start-up capital needs.

    3. Identify sources of start-up capital and backup sources if needed.

    4. Evaluate and quantify your borrowing power so you know how much money you can get your hands on if needed.

    5. Select a business structure that best fits your needs by evaluating tax advantages, legal exposure, ease of operation and portability should you need to relocate.

    6. Select the right accounting software by evaluating your budget, needs and hardware.

    7. Prepare a Cash Flow Budget so you know exactly how much money you need to keep the business alive each month for the first few years. Unplanned cash requirements are always emotionally painful.

    8. Establish billing and collection procedures to maximize your cash flow.

    9. Establish procedures to monitor and control costs.

    10. Setup a home office so you can maximize your tax deductions.

    11. Prepare and file all required state and local licenses and permits.

    12. Prepare and file your application for your Federal Employer Identification Number.

    13. Provide payroll and payroll tax filing when you bring on your first employee.

    14. Comply with employment laws so you don’t get hit with fines and unhappy employees.

    15. Identify your business insurance needs.

    16. Develop a solid Partnership Agreement. This is an extremely important document for all new partnerships and will help prevent a tremendous amount of financial and emotional problems down the road.
  • The current business environment continues to require businesses to retain volumes of records while the demands of cutting costs require the use of less and less space.  This is in addition to businesses being more aware of the need to be friendly to the environment by consuming less in the way of disposable resources.  Add to this the increasing tendency of businesses to operate from multiple locations and needing access to records in real time.

    A record retention plan enables you, the business owner, to manage these demands.  We will help you develop a plan that is tailored to the needs of your organization.  We will work with you to utilize your current technologies or locate and secure the necessary technology within the parameters of your budget.

  • A Strategic Business Plan is much more than a tool to obtain financing. If you still have all you plans and ideas locked up inside your head… preparing a strategic plan helps you clarify your company’s direction, ensures your key leaders are all “on the same page”, and keeps both management and staff focused on the tasks at hand.

    A Strategic Plan is often needed when…

    • Starting a new venture, product or service

    • Expanding a current organization, product or service

    • Buying a new business, product or service

    • Turning around a declining business

    The Strategic Plan provides a blueprint, describing your company, its products, the competitive environment, management team, financial health, and business risks.

    The plan allows you to…

    1. Identify and describe the target customer profile, features, advantages and benefits of your new venture, product or service.

    2. Justify that your plans are credible by fully researching the need being filled with your new venture.

    3. Develop marketing plans including full descriptions of targeted promotional campaigns with implementation timelines. You also get to examine market conditions, the nature of your customers, as well as your competitors, sales potential, and projected results of your promotional campaigns.

    4. Develop staffing plans including identifying the key players, skills, attitudes and expertise needed to build the venture.

    5. Develop management plans including full descriptions of management systems and timelines for implementation.

    6. Develop financial plans including projected startup costs, operating costs, revenue, profits, and break-even analysis for the first 3 to 5 years.

      Projected financial plans allow you to effectively predict upcoming problems, or prevent them. In other words, the perspective gained through your Strategic Business Plan can make a significant contribution to your company’s success, and help you get the funding you require. In fact, most lending institutions and private investors will not even talk to you without a solid financial plan.

    7. Identify building and equipment needs including vendors and cost estimates.

    8. Formulate company milestones including timelines for upcoming products and services in development.

Contact Us to Receive Your FREE Quote Today!