Advisory and CFO
The advisory workflows we automate
The package assembly underneath the advice, automated. Assumptions and recommendations stay yours.
The workflows
Client data collection
- Today
- every reporting cycle starts with exports, portal downloads, and emails asking the client for files.
- We automate
- scheduled pulls from the accounting system, payroll, and banking, normalized on arrival, so the period starts with data present.
- You keep
- nothing here. This one is pure recovered time.
Management reporting with drafted commentary
- Today
- the deck assembled by hand, charts rebuilt, commentary written from scratch at the hour rate the client is not paying for.
- We automate
- the package assembled in your format with commentary drafted from the actual movements, each figure traceable.
- You keep
- editing the commentary and delivering the advice.
KPI dashboard and unit economics tracking
- Today
- the general ledger does not compute the metrics this client runs on. MRR and churn for a SaaS company, same-store sales for a multi-location operator, utilization for a services firm: each one pulled and calculated by hand every period.
- We automate
- the client's specific metric definitions computed from the underlying transactions each period, trended, and reconciled to the financial statements so the dashboard and the financials never disagree.
- You keep
- which metrics matter for this client and what movements mean.
Budget-to-actual and variance analysis
- Today
- variances computed in Excel and explained from memory.
- We automate
- computation in code, drivers identified from the underlying transactions, draft explanations attached.
- You keep
- the interpretation.
Forecast preparation
- Today
- historicals cleaned and restructured every time the model is touched.
- We automate
- normalized historical data structured for your model with assumptions surfaced explicitly, never buried in cell formulas.
- You keep
- every assumption and the forecast itself.
Covenant calculations and lender packages
- Today
- covenant math rebuilt from the credit agreement each quarter, package assembled under deadline.
- We automate
- calculations run in code against the agreement's definitions, fixed charge coverage and the leverage ratio computed on the agreement's EBITDA rather than GAAP, the package assembled with every input traced, results near a threshold flagged early.
- You keep
- the lender conversation, informed weeks sooner.
13-week cash flow
- Today
- built once in a crisis, then abandoned because maintenance costs a day a week.
- We automate
- the model maintained from live bank and AP/AR data, variances to prior forecast computed.
- You keep
- the decisions it exists to inform.
How it runs
hands off to normalize
hands off to domain work
hands off to verify
hands off to exception
hands off to output
| Stage | Agents | What happens |
|---|---|---|
| 1. Intake | Source System Connector, Client Data Intake | Data present when the period starts |
| 2. Normalize | Period Alignment, KPI Mapping | Aligned, consolidated, mapped to definitions |
| 3. Domain work | Variance Analysis, Trend, Covenant Calculation computed, Forecast Preparation | The analysis layer, prepared |
| 4. Verify | Recomputation Verifier computed, Source Tie Verifier | Every figure recomputed and traced |
| 5. Exception | Exception Router | Unexplained movements, covenant results near threshold |
| 6. Output | Commentary Drafting, Package Assembly | Board and lender packages in the required format |
The boundary
Drafted commentary is a starting point, never a deliverable. Every assumption and every forward-looking statement is yours.
One schedule, from the covenant workflow
What the covenant math produces
The covenant workflow above runs each test against the definitions in the credit agreement rather than GAAP, with every input traced. A result near a threshold is flagged in the quarter, weeks before the lender conversation.
| Agreement ref | Computed against | Result | Status |
|---|---|---|---|
| Fixed Charges cl. (a) | Scheduled principal, cash interest, and cash taxes paid, per the defined term | 3 of 3 inputs | Accepted |
| Consolidated EBITDA cl. (a)(vii) | Restructuring charges, permitted clause capped at 10.0% of Consolidated EBITDA | 6.4% · cap 10.0% | Proposed |
| §7.06 Capital expenditures | Annual basket, prior-year carryforward per the §7.06 ordering | 71% of basket | Accepted |
| §7.11(a) Fixed charge coverage | Consolidated EBITDA as defined, not GAAP · trailing four quarters | 1.31x · min 1.10x | Accepted |
| §7.11(b) Total net leverage | Consolidated Funded Debt, net of unrestricted cash | 3.42x · max 3.50x | Flagged |
| §7.11(c) Interest coverage | Cash interest paid per §1.01 · trailing four quarters | 2.84x · min 2.50x | Accepted |
Illustrative schedule · not client data
Name the one costing you the most.
45 minutes with the people who would build it. You leave with a written map of where your hours go and an estimate for each, whether or not we work together.
Book an advisory workflow assessment