Working Capital Peg in a Service-Business Sale: The Closing-Price Math
The headline sale price is not always the closing payment. See how a working capital peg and post-close true-up change what a service-business owner receives.
Read articleBennett Financials Journal
Financial clarity for the decisions that matter.
Practical ideas for protecting profit, planning tax, and building a business that works better for you.
Fractional CFO for Home Service Companies: Job Margin, Crew Capacity, and Cash
A practical guide to what CFO support should fix in a growing home service company: job margin, crew capacity, cash timing, and tax planning.
Read article
Lender-Ready Financials: What Banks Want Before Approving an SBA Loan or Line of Credit
Build a lender-ready financial package with accurate statements, forecasts, debt schedules, and repayment evidence before seeking an SBA loan or credit line.
Read article
Sales Commission on Revenue or Gross Profit? The Compensation Plan That Protects Margin
Compare revenue-based and gross-profit commission plans, see the margin math, and build sales incentives that reward profitable service-business growth.
Read article
Can Your Service Business Afford the Next Hire? The Cash, Margin, and Pipeline Test
Use a three-part cash, margin, and pipeline test to decide whether your service business can afford its next hire without weakening profit.
Read article
CFO vs CPA vs Controller vs Bookkeeper: Who Do You Actually Need?
CFO vs CPA vs controller vs bookkeeper: three record the past, one changes what happens next. Here's which role your service business actually needs.
Read article
Fractional CFO Cost for a $1M, $3M, $5M, and $10M Service Business
What a fractional CFO costs at $1M, $3M, $5M, and $10M revenue — and why the monthly retainer is the wrong number to anchor on. Full 2026 breakdown inside.
Read article
At What Revenue Should a Service Business Hire a Fractional CFO?
Revenue is the wrong trigger for hiring a fractional CFO. The real signal is your margin structure. Here's the 60-15-15 test that tells you if you're ready.
Read article
Agency Capacity Planning: The 3.5x Headcount-to-Revenue Rule
Agency capacity planning fails when it's done in hours. The number that matters: revenue ÷ delivery labor, 3.5x minimum. Here's the math — and when to hire.
Read article
MSP Labor Utilization: The 65% Rule for Field Techs
Why MSP utilization benchmarks of 55% to 85% do not tell you if you are profitable: the real 65% line, the labor-efficiency number that matters more, and a client story.
Read article