Cash flow surprises are the #1 killer of small businesses — and they don't have to happen. You should know your runway in real time, see your P&L before the accountant sends it six weeks later, and make spending decisions with data, not anxiety. Coherence's fractional finance service builds the financial infrastructure that gives you that visibility.
You find out about a cash problem three weeks after it started. Big invoice lands, payroll's next week, and you're calling banks. Your financial reporting is always historical, never predictive.
Your accountant sends financials quarterly, and when they arrive you don't know how to interpret them. Which products are actually profitable? Which clients are draining you? You don't know — and that means you're probably leaving money on the table.
Hiring a new person, investing in equipment, committing to a contract — these are decisions that need financial modeling, and you're making them on instinct. Then you're surprised when the quarter is tighter than expected.
You didn't set aside enough for quarterly estimates, or you missed a deduction you didn't know existed. The tax bill shows up and it's a cash crisis. Your accountant sends a report, not a plan.
A company at $3M ARR that discovers 15% of revenue is unprofitable is essentially working for free on $450K of their revenue. Financial visibility turns that around — within 90 days of having real margin data.
We build a rolling 13-week cash flow model that shows you what's coming. You'll know your runway at any point in the future, which big payments are coming, and when you need to accelerate collections — not discover it on a Friday.
We build a chart of accounts that actually tells you what you need to know. Monthly reporting shows you margins by product, service line, and client — so you can make decisions about where to invest and where to wind down.
We'll build your annual budget and track it monthly. When you're off plan, you'll know why, when it started, and what the correction options are. Not a report that shows what happened — a tool for managing what's happening.
When you're considering a hire, an equipment purchase, a contract, or an acquisition, we build the financial model. You'll know the actual impact on your margins and runway before you commit — not after you realize you over-extended.
We coordinate with your accountant so estimates are accurate and you're never caught off guard. You'll set aside the right amount, make the right elections, and never face a tax bill you didn't see coming.
You're 15–100 employees, over $1M in revenue, and you still don't have clear financial visibility. You react to cash more than you manage it. You've probably had at least one cash scare or made a hiring decision you couldn't fully justify with numbers.
Book a 90-minute Clarity Lab focused specifically on your financial gaps. We'll review your current financial state, build a 13-week cash flow model, and show you exactly where you're leaving money on the table. Then decide if Coherence's fractional finance is right for you.