Core service 03
A finance lead for businesses that cannot yet justify a full-time one.
Controller and CFO-level oversight on a monthly retainer: cash flow, budgets and reporting a board or lender can act on.
A business with twenty staff, three hundred customers and a lender asking questions has the same reporting problem as a business ten times its size. It simply cannot justify a salaried controller to solve it.
Business advisory at Mansel Financial is that role, on a monthly retainer. The person who keeps the books also prepares the cash flow projection, builds the budget, writes the variance commentary and sits in the lender meeting. Because the numbers and the advice come from the same desk, nothing is lost in translation between them.
- 01
Fractional controller or CFO
A standing monthly commitment with a defined scope: ownership of the numbers, attendance at the meetings where they are discussed, and a phone number that is answered.
- 02
Cash flow projections
A rolling thirteen-week cash forecast for the near term and a twelve-month projection for planning, both updated as actuals land.
- 03
Budgets and variance analysis
An annual budget built on assumptions agreed with management, then plan-versus-actual each month with written commentary on what moved and why.
- 04
Management and board reporting
A reporting package in a format that stays the same every month, so the trend is visible and the meeting is about decisions rather than definitions.
- 05
Lender reporting and financing support
Covenant schedules, line of credit and letter of credit reporting, and the financial package a bank asks for when you want to borrow more.
- 06
Margin, pricing and growth analysis
Gross margin by product, location or channel; the real cost of a new hire or a second location; what has to be true for the plan to work.
Deliverables, named in the engagement letter.
Scope, deadlines and fee are agreed in writing before work begins. What follows is what that letter typically lists for this service.
- Monthly management pack on a fixed date
- Rolling cash flow forecast
- Annual budget and monthly variance commentary
- Attendance at board or lender meetings as agreed in the engagement letter
Tell us where the books stand. We will tell you what it takes.
Describe the situation and you will get a straight answer about what the work involves, what it costs, and how soon it can begin. Nothing is billed until an engagement letter is signed by both sides.
Or call (647) 887-6942. Replies within one business day.