Floor 04 · CFO counsel

The decisions a CFO is for.

Once the numbers are true, someone has to sit with you and say what they mean. That’s this floor. It’s the one most owners think they’re buying when they hear “fractional CFO.”

The questions

Four decisions. One number each.

PriceWhat should I charge?Your real cost per hour, per job, per chair. Most owners are underpriced on the work they do most.
HireCan I afford the next person?What a hire has to bill to pay for themselves, and whether the work is there.
BorrowWhat will the bank ask?The numbers a lender wants, in the shape they want them, before you walk in.
SellWhat is this worth, and what would a buyer find?Earnings a buyer can verify, and the eighteen months it takes to raise them.
How it happens

Thirty minutes a month. Same agenda every time.

0–10 min

What changed

The three numbers, and the one that moved.

10–20 min

Why

The customer, crew or cost behind it.

20–30 min

What to do

One decision, made. Written down. Checked next month.

Bigger questions, like a loan, a second location or a sale, get their own session. But the monthly thirty minutes is where most of the value is. It’s the meeting most owners never had.

Common questions

What owners ask us

Can I just buy this floor?

Not from us. Advice built on numbers we haven’t checked is a guess with a confident voice. We’ll only sit on the fourth floor of a building we’ve seen the foundation of.

Is this the same as a fractional CFO?

It’s the part of one that people picture. The difference is we also run the three floors underneath, which is what makes the advice worth anything.

Do you talk to my bank or my buyer?

Yes, when it helps. We’ve sat on the other side of those tables. We know what they’ll ask.

Work with us

Start with the Read.

It ends with a conversation like this one, about your numbers.