External FP&A · Monthly analysis

Financial analysis and planning, every month, to decide with numbers.

A recurring service for U.S. privately held businesses with accounting already in place. We work from the financial information you already have, alongside your accountant or CPA.

1What the service delivers

Four outcomes, every month.

The same report every month. The topic changes with what concerns you.

The month’s numbers

Know what is happening

What happened to sales, margin and expenses, and what deserves attention.

  • Sales, margin, expenses and the indicators management follows
  • What changed against budget, every month
  • Attention on the few numbers that move the result
Profitability

Understand where profit comes from

What moves your margin, and in which products, customers or channels.

  • Profitability by line, product or channel
  • Pricing, discount and margin drivers
  • Early warning when something changes
Cash and forecast

See what is coming

Where cash, working capital and results are heading, while there is still time to act.

  • Working capital: receivables, inventory and payables
  • 13-week cash view
  • Forecast and simple scenario analysis
Priorities

From the numbers to what to do

What to do first, and what it is worth.

  • Priorities ranked by what each one is worth
  • Numbers to decide on pricing, products, inventory and resources
  • Follow-up on agreed priorities
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

How to read a gross profit bridge

Every monthly review opens with a chart like this one, from the sample report.

  • Blue. The net change: what was left after everything else.
  • Green. What added profit. Worth continuing.
  • Red. What took profit away. This is where management looks first.

See a sample report

2How an engagement runs

A monthly cycle, with a conversation every week.

The cycle starts when your accountant closes the month, whether that is the 10th or the 20th. From there, there is a conversation every week. The direction is set with the report; the how is worked out in the conversations of the following weeks. In that first conversation you decide where it is worth going deeper, so the analysis goes to what matters to you, not to what we assume.

  1. Starting point

    Your accountant closes the month

    We receive the financial statements and the detail for the month.

  2. Within 7 business days of the close

    Report

    We deliver and present the monthly review: what changed and why, and how the agreed actions are going.

    With the full monthly report

  3. One week later

    Deep dive

    We go into the detail of the findings: which products, customers or lines each change sits in, and what caused it.

    With one or two pages of detail

  4. One week later

    Options

    We evaluate the options that come out of the analysis and what each would take.

    With one page of options with their estimated effect

  5. One week later

    Focus

    We concentrate on the few options that matter and agree what to do or measure.

    With a summary of what was agreed

Then your accountant closes the next month and the cycle starts again. A conversation every week, at a fixed time agreed at the start.

A month, as an example

The distributor in our sample report, phase by phase. This time the subject was discounts. In a real month there may be several points open at once; we keep it to a few, so each one gets resolved.

  1. Report. Revenue beats budget by 6.0% and gross profit barely moves. The report shows that discounts took back almost all of the gain.
  2. Deep dive. The detail shows where: Industrial supplies (MRO) grew 13.9% against budget while its discount went from 4.0% to 8.6%.
  3. Options. Three options on the table: a discount ceiling, a list price review, or shifting the mix toward better-margin lines. Each point of discount on that line is worth about $6K a month.
  4. Focus. Management sets a discount ceiling with approval above it, and agrees to check next month whether volume holds. The next report shows the result.

3Where Finanzap fits

CPA, CFO or Finanzap?

Each one is the expert in something different, and they work best together. Tax, audit and the close belong to your CPA; the table shows the usual engagement of each.

Comparison of the primary focus of a CPA or accountant, a CFO and Finanzap
What each one doesCPA / AccountantCFOFinanzap
Bookkeeping and month-end closeIts usual engagementIts usual engagementNot its usual engagement
Financial statements under accounting standards (GAAP)Its usual engagementIts usual engagementNot its usual engagement
Tax: planning, returns and complianceIts usual engagementNot its usual engagementNot its usual engagement
Audit, review or compilation, and representation before the IRSIts usual engagementNot its usual engagementNot its usual engagement
Explaining to management what changed in the month and whyNot its usual engagementIts usual engagementIts usual engagement
Profitability & marginsNot its usual engagementIts usual engagementIts usual engagement
Cash & working capitalNot its usual engagementIts usual engagementIts usual engagement
Budget, forecasts and scenariosNot its usual engagementIts usual engagementIts usual engagement
Variances by volume, price and mixNot its usual engagementIts usual engagementIts usual engagement
A conversation with management every weekNot its usual engagementIts usual engagementIts usual engagement
Finance strategy and directionNot its usual engagementIts usual engagementNot its usual engagement
  • Its usual engagement
  • Not its usual engagement

Your accountant already handles the close, tax and compliance. There is no need to add this analysis to that load: that is what Finanzap is for. It is the only thing we do, every month, with a conversation every week, for a fixed fee.

When a CFO is the right answer

  • Full finance leadership is required
  • Financing, treasury or capital strategy is a central responsibility
  • The company needs a senior executive who owns the whole finance function

Finanzap can complement a CFO or finance leader. It is not a substitute where full finance leadership is required.

If you are an accountant or CPA

We work with the financial statements you deliver, exactly as you deliver them. We do not touch the books, the tax work or your relationship with the client. If a client asks you for this analysis and you would rather not add it to your workload, let’s talk.

How we work with accountants

4Pricing

One service. One fixed monthly fee.

The service is the same for every client. You pay for the monthly review and the decisions it supports, not for time. The fee is the same every month and does not change with the number of calls or questions inside the cycle.

  • Monthly management review
  • Driver and variance analysis of results and margins
  • Cash, working capital and a 13-week cash forecast
  • A scheduled conversation with management every week
  • Follow-up on the priorities agreed with management
Monthly engagement

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: you have five business days to tell us, and the second half is paid only if you do. The fee is the one agreed at the start. After that it is month to month, with 30 days’ notice to end it.

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). US$1,200, credited to your monthly service if you continue within 30 days (see terms). Five spots; book by November 30.

Book a 20-minute call

5Before you start

Practical questions

Is Finanzap an app?

No. Finanzap is a service delivered by a senior finance professional, not software. The name joins three concepts: finance (finanzas in Spanish), analysis and planning.

Do you sell consulting hours?

No. You pay a fixed monthly fee for the analysis, the monthly review and the weekly follow-through: a conversation every week. We do not bill hours or sell on-demand availability.

Who is it for?

U.S. privately held businesses with roughly US$2 million to US$30 million in annual revenue that already have accounting in place and want to understand their numbers every month.

How do I decide whether to continue after the first month?

The first month covers getting to know the business, receiving your information, building your model and your first monthly review, presented in a conversation. The first half of the fee covers all of that, including the review. With it in hand you have five business days to decide whether we continue: if you do, you pay the second half; if you decide to stop there, tell us in writing and you pay nothing more. No reason needed. The review is delivered once we have your complete information for the month, so the period starts counting from that delivery.

Do you replace our accountant or CPA?

No. Your accountant or CPA remains in place. Finanzap works from the financial information already produced and adds the monthly analysis of those numbers for management.

Is Finanzap a CFO service?

Not in the full CFO sense. Finanzap does the analysis (profitability, cash, working capital and forecasting) without taking on treasury, capital strategy or the broader finance leadership role.

What information do you need?

Four things you already have: the monthly trial balance from your accounting system; your sales detail by customer and product; your budget or your expectations for the year (if there is no budget, we build a baseline together); and your knowledge of the business, which we draw on in the weekly conversations. For the cash forecast we also use your receivables and payables aging. Everything arrives as exported files: we do not need access to your accounting system or your bank, or the ability to move money or change your records.

What if we have more than one company or entity?

We work with the information the way your accountant produces it. If your companies are already consolidated, we use the consolidated figures; if not, we analyze each company separately. We do not prepare the accounting consolidation: that is the work of your accountant or CPA.

How is our information protected?

We sign a confidentiality agreement before you share any financial information, and we ask only for what the agreed analysis needs. See our confidentiality page.

Is there a minimum commitment?

No. The first half of the fee covers your onboarding and your first monthly review. With that review in hand you have five business days to decide whether we continue, and the second half is paid only if you do. After that it runs month to month, and either side can end it with 30 days’ notice. The value comes from following the numbers over time, so most of it appears after the first few cycles.

How do I pay?

In U.S. dollars, by ACH or wire to a U.S. bank account. No international payments. Payment details are on each invoice.

Do you analyze the economy?

We do not make economic forecasts. When a change in your numbers comes from outside, such as tariffs, interest rates, exchange rates or supplier prices, we show how much it weighed on your figures and what options you have. We can also build scenarios on assumptions we agree with you, for example what happens if a tariff goes up. Customs matters stay with your customs broker, and tax matters with your CPA.

What if I just hire an analyst?

That can work well if someone in your company can direct the work. An analyst runs the analysis they are asked for; someone in management still has to decide what to look at, review it and turn it into decisions. Finanzap brings that judgment: each month we tell you what changed, why, and what your options are, and we talk it through with you every week. Nothing to hire, train or manage, and if you decide to stop, you end it with 30 days' notice.

What happens to our information when the engagement ends?

We return or delete the information you provided, when the engagement ends or whenever you ask, except what the law requires us to keep. See our confidentiality page.

What happens first?

A short conversation about the business, the current financial information and the decisions management is trying to make. No special report or presentation is required.

How often is the cash forecast updated?

With every monthly close. When cash is tight, we update it between closes, weekly or every two weeks as we agree with you in the review, with the actual bank balance and the large movements. The first weeks rest on recorded receivables and payables; the last ones depend more on assumptions. That is why the focus is on the cash low point and the week it falls in, not on the exact balance of each week.

6Next step

See whether it fits your business.

Tell us what you are trying to understand, improve or decide.

A 20-minute conversation: we understand your context, answer your questions and tell you whether the service fits. No financial information needed.

Send a message Book 20 min