Financial analysis and planning for business owners · External FP&A
You have the numbers. The hard part is deciding with them.
Every month we explain what happened to your profit and your cash, and what to do about it. For U.S. privately held businesses with US$2M to US$30M in revenue and their books already in order.
A 20-minute call: your context, your questions, and whether we are a fit. No financial information needed.
Fixed fee: US$3,000 per month · two spots at US$2,000. See price and terms
- A monthly review, with a conversation every week
- No bookkeeping or taxes: those stay with your CPA
- 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
What deserves attention: revenue is ahead of budget, but discounts gave back almost all of the extra gross profit.The income statement: revenue 6.0% above budget, and gross profit in line with it. At first glance, a good month.What happened: the extra volume came from Industrial supplies (+13.9% against budget). It was bought with discounts.Where it sits: that line’s discount went from 4.0% to 8.6%, mostly in four accounts. A 6% ceiling is worth about $24K a month.What is coming: cash falls below the $200K minimum in weeks 8 to 10. There is time to act.
A 20-minute call: your context, your questions, and whether we are a fit. No financial information needed.
Fixed fee: US$3,000 per month · two spots at US$2,000. See price and terms
- A monthly review, with a conversation every week
- No bookkeeping or taxes: those stay with your CPA
1The problem
Sound familiar?
Your books are in order and the reports arrive on time. And still:
- Margins move without clear reasons
- Discounts are given out of habit, not by decision
- Cash is tighter than expected
- Decisions run on gut feel
- It is not clear what to improve first
Tick the ones that sound familiar. We will tell you what answers each one.
This is what answers what you ticked:
Let’s talk about what you ticked
Your message will already carry these topics. The first conversation takes 20 minutes.
So what changes when someone works on these every month? See what you receive ↓
2What you get
A report every month, and a conversation every week to decide with it.
Not just another report: a review that says what changed, why, and what to do next.
- Week 1: the report and the direction
- What changed and why, in green what is worth continuing and in red what needs to stop, plus cash for the next 13 weeks. With that, the direction is set.
- Weeks 2 to 4: from direction to a concrete plan
- One conversation a week: go deeper into the results, weigh the options, and settle what gets done, who owns it and how it is measured.
- The follow-up
- Each report shows how the agreed actions are going.
How do we get from your books to that review? See how we work ↓
3How we work
Your CPA tells you what you made. We show you why, and what to do.
Your financial information
You share what your business already produces, plus the business context.
Finanzap analysis
Profitability, cash, working capital, forecast and variances, with the same method every month.
Management review
A monthly review, with a conversation every week, on what changed, why, and what matters.
Decisions with the numbers in front of you
On pricing, discounts, inventory, collections and growth.
- 20+ years of executive financial experience
- As CFO, head of FP&A, FP&A manager and controller, at multinationals in consumer, healthcare and industrial businesses, and at companies of about US$25 million to US$120 million in revenue.
- 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.
See what’s included and the fee
Does this work on a business like yours? See the cases ↓
4Cases
Pick the case closest to your business.
Eight short analyses, three minutes each: the same questions we answer every month, with real public data or illustrative cases.
5Fit and price
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 hiring someone full time.
Good fit
Especially distributors, wholesalers and importers; manufacturers too
- Privately held company with roughly US$2 million to US$30 million in annual revenue
- Existing accounting and financial information
- Management wants to know where profit comes from, where cash goes and what is coming
- Willing to use financial information to make decisions
- Looking for an analysis every month, not someone to call at any hour
Not for you
- Looking for accounting, bookkeeping or tax services
- No reliable financial information available
- Looking for day-to-day finance operations
- You work project by project, like engineering, software or government contracting firms
US$3,000 per month
Agreed in advance. No hourly billing and no setup fee.
Only two spots at a reduced rate
US$2,000 per month, fixed for 12 months, for the next two clients. Two spots at this rate. In return we ask one thing: a short testimonial once you have seen the results. It can be published without your name, and it will say that you received the reduced rate.
Month one in stages: continue only if it convinces you
The first half covers your onboarding, your model and your first monthly review. With that review in hand you decide whether we continue, and the second half is paid only if you do. See terms
Not ready for a monthly rhythm? Start with the year-end review.
A one-time review of 2026, before your 2027 budget, built from the months your CPA has already closed (usually January to October) and a projection of the year-end close. US$1,200, credited to your first month if you continue. Five spots; book by November 30. See terms.
6Next step
Bring one question your numbers are not answering.
In 20 minutes, we will tell you honestly whether we can help.
No financial information needed. No obligation.