Finanzap

External FP&A · Financial Analysis & Planning

You don’t need more reports. You need decisions you trust.

For U.S. privately held businesses that already have accounting in place but need a clearer management view of the numbers.

Discuss your business See a sample report
  • A monthly review and a weekly conversation
  • Works alongside your accountant or CPA
  • Fixed monthly fee, not hours
Management review March · Month 3 of 12
Illustrative example
Revenue
$1.28M
+6.0% vs budget
Gross margin
31.5%
−1.7 pts vs budget
13-week cash low
$167K
Week 9

Gross profit vs. budget, US$ thousands

Gross profit: budget to actualAgainst a budget gross profit of $400K, volume added $31K, price $13K; discounts took away $34K, mix $4K and unit cost $4K. Net change +$2K, to $402K.Volume: +31+31VolumePrice: +13+13PriceDiscounts: −34−34DiscountsMix: −4−4MixUnit cost: −4−4Unit costNet change: +2+2Netchange

What deserves attention: revenue is ahead of budget, but discounts gave back almost all of the extra gross profit.

Illustrative figures. Not a client case. See the full sample report

Sound familiar?

When the numbers become harder to act on

Your books are in order and the reports arrive on time. The hard part is knowing what they mean for the next decision.

  • Margins move without clear reasons
  • Discounts are frequent, not strategic
  • Cash is tighter than expected
  • Decisions rely on intuition
  • Opportunities are not prioritized

What management gets

Not another reporting layer. A recurring financial perspective.

Each review connects the numbers to the questions and decisions in front of management.

Profitability

What is driving the result?

See what is moving revenue, margins and contribution, and where the economics are changing.

Cash

Where is cash going?

Connect profitability with working capital and the forward cash picture.

Forecasting

What is likely to happen next?

Use a forward view to identify pressure, opportunities and decisions that can still be influenced.

Management priorities

What deserves attention?

Separate material business drivers from financial noise and recurring reporting detail.

Decision support

What should management consider?

Bring the analysis back to pricing, resources, working capital, growth and other decisions that matter.

One consistent framework, focused on your priorities.

See how the service works

How it works

Your accountant keeps the books. Finanzap adds the analysis.

  1. Your financial information

    You share what your business already produces, plus the business context.

  2. Finanzap analysis

    Profitability, cash, working capital, forecast and variances, on one consistent framework.

  3. Management review

    A monthly report and a weekly conversation about what changed, why, and what matters.

  4. Better-informed decisions

    Analysis tied to pricing, resources, working capital and growth.

25+ years of executive financial experience
Gained at multinationals including Goodyear, Energizer and Pfizer, in manufacturing, distribution and other sectors.
Remote by design
Serving U.S. privately held businesses from Latin America, never more than three hours from any time zone in the contiguous U.S.
Focused on management questions
Not bookkeeping, tax preparation, daily finance operations or hourly availability.

In practice

Three situations, worked through.

Illustrative cases built on the kind of situations we have met in practice. The companies and figures are fictitious.

Profitability · Distributor

Revenue is up. Why isn’t gross profit?

A gross profit bridge shows where the extra sales went.

Read the analysis Cash · Distributor

Profitable, and short of cash.

The bridge from profit to cash, and a 13-week view of what comes next.

Read the analysis Method · Food producer

Compared to what?

The same month looks bad, good or average depending on the base.

Read the analysis

All analyses and questions

Is this a good fit?

Built for businesses that already have their books in order.

Your financial information exists. Finanzap helps management understand what it means, what is changing and what deserves attention next, without adding another full-time finance function.

Good fit

  • Growing or established privately held company
  • Existing accounting and financial information
  • Management wants greater visibility into profitability, cash and future performance
  • Willing to use financial information to make decisions
  • Looking for recurring analysis and management insight, not on-demand availability

Not for you

  • Looking for accounting, bookkeeping or tax services
  • No reliable financial information available
  • Looking for a one-time report or project only
  • Looking for day-to-day finance operations
  • Engineering, software or government contracting businesses

Common questions

What Finanzap is, and is not

Is Finanzap an app?

No. Finanzap is a service delivered by a senior finance professional, not software. The name comes from finanzas (Spanish for finance) + Analysis + Planning.

Do you replace our accountant or CPA?

No. Your accountant or CPA remains in place. Finanzap adds recurring financial analysis and management perspective.

Is this a CFO service?

No. Finanzap is a recurring financial analysis function focused on turning financial information into management insight and decision support.

Do you sell consulting hours?

No. You pay a fixed monthly fee for the analysis, the monthly review and the weekly conversations. We do not bill hours or sell on-demand availability.

Who is it for?

U.S. privately held businesses that already have accounting and financial information in place and want a clearer recurring management view.

Want a clearer financial view?

Start with the financial question you are trying to answer. We can take it from there.

Discuss your business Chat on WhatsApp

A short first conversation. No special report or presentation required.

Discuss your business Assessment