contract cfo

FINANCIAL STATEMENT ANALYSIS

Concise reports are generated which outline your company's historical successes/weaknesses. These reports are based on "spreading" your company's quarterly/annual financial statements using a specifically designed software program which provides a complete ratio/cash flow analysis with current industry comparisons and projection capabilities. These reports will assist you in more effectively managing your business and in planning for future financial needs.

LOAN PACKAGING AND BUSINESS PLAN PREPARATION

Loan packages/business plans are prepared using a standard format acceptable to lenders based on specific need. The packages/plans focus on the strategic direction of your company and will assist your lender in making more timely, accurate loan decisions.

Click here for a Commercial Loan Financing Needs List.

Click here for a sample Personal Financial Statement.

WORK WITH BANK AND NON-BANK LENDERS TO OBTAIN FINANCING

Negotiate loan terms, interest rates, fees, and bank loan covenants and conditions based on your specific loan request, current market conditions, and your borrowing capacity. When necessary, we also provide assistance in loan "work-out" situations.

STRATEGIC MANAGEMENT PLANNING

Provide business plan and marketing program preparation/evaluation. Additionally, we work with business owners on a management coaching basis and also assist them in addressing human resource issues.

FINANCIAL ADVISOR

We function on an "on call" basis to be a sounding board on various business issues. In doing so, we can provide insight on many issues that would traditionally be overlooked and are crucial to the success of your business.

REFERRAL SOURCE

We provide referrals for various business services including the following:

• Commercial insurance including general liability, workman's comp, and "course of construction."
• Accounting services including audit, tax, and payroll.
• Retirement planning services including "defined benefit" plans designed for business owners.
• Employee benefit plans including medical, dental, and other services.
• Key person life insurance programs designed for business "succession" planning.
• Residential mortgage lending products including fixed and variable rate terms.