Fractional CFO Review of an AI Implementation Budget
Separate AI capacity gains from cash savings, price the full implementation, and set a funding gate before approving the rollout.
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Financial clarity for the decisions that matter.
Practical ideas for protecting profit, planning tax, and building a business that works better for you.
The Acquisition Debt-Capacity Model: DSCR, Leverage, and the Downside Case
An acquisition debt-capacity model sizes borrowing from cash available after taxes, maintenance investment, working capital, existing debt, integration, and downside risk.
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The Location-Closure Decision Model: Contribution, Cash, and Exit Cost
A location-closure decision model compares keep, repair, transfer, and close scenarios using avoidable contribution, cash burn, required investment, exit cost, and risk.
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The Retainer-Renewal Cohort Model: Which Recurring Revenue Is Actually Durable?
A retainer-renewal cohort model follows the same clients from eligible recurring revenue through renewal, contraction, expansion, churn, gross margin, and cash.
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Debt-Like Items in a Service-Business Sale: The Proceeds Deductions Owners Miss
Debt-like items are sale obligations treated like debt in the proceeds bridge even when they do not appear in a bank-debt account on the seller's balance sheet.
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The Earnout Scenario Model: What a Business Seller Can Actually Control
An earnout scenario model turns a headline maximum into probability-weighted seller proceeds based on metric definitions, operating control, timing, disputes, and tax.
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The Acquisition-Integration Cash Model for Service-Business Roll-Ups
An acquisition-integration cash model separates purchase funding from working capital, transition costs, delayed synergies, taxes, debt service, and downside liquidity.
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The New-Location Ramp Model: Cash Needed Before Break-Even
A new-location ramp model combines buildout, pre-opening cost, revenue and capacity ramp, operating losses, working capital, financing, and contingency to find peak cash need.
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The Callback Cost Model: How Rework Quietly Erases Service Gross Margin
A field-service callback costs more than the repeat visit: labor, travel, parts, dispatch, credits, displaced contribution, warranty exposure, and root-cause work all matter.
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The Overtime Profitability Test: When Extra Revenue Makes Field Service Less Profitable
Overtime is profitable only when incremental collectible contribution covers premium labor, burden, travel, parts, callbacks, fatigue risk, and displaced capacity.
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