Formation and banking
Choose an entity, get an EIN, open dedicated accounts, create accounting categories, and document ownership.
Run the financial engine
Business owner finance, from setup to growth.
A practical operating model for cash, taxes, payroll, credit, insurance, reporting, and capital decisions.
Monthly close
Reconcile bank accounts, review receivables, payables, payroll, sales tax, inventory, debt, and cash runway.
Capital readiness
Prepare tax returns, statements, forecasts, owner bios, use-of-funds plans, collateral, and debt schedules.
Risk management
Review general liability, workers comp, cyber, key person, disability, property, professional liability, and succession.
Numbers to review every month
- Gross margin: revenue after direct costs.
- Operating cash flow: cash generated before financing.
- Runway: months your cash can support current burn.
- DSCR: cash flow available for loan payments.
- Tax reserve: cash set aside for income, payroll, and sales tax.
Professional contacts to build
- CPA or enrolled agent for tax planning and filing.
- Bookkeeper or controller for monthly close discipline.
- Payroll provider for withholding, benefits, and filings.
- Business banker or SBA lender for credit options.
- Insurance broker and business attorney for risk review.