CFO advisory for small businesses and entrepreneurs.
You built a business that works. Now it needs numbers that work as hard as you do — a monthly close you can trust, a cash forecast you can plan around, and a CFO who knows your business as well as you do, without the cost of hiring one.
Owner-operated·$1M–$15M revenue·Los Angeles & Miami·clients nationwide
Numbers that work as hard as you do.Businesses that have outgrown bookkeeping but are not ready to hire a CFO.
Owner-operated companies, $1M–$15M
Service businesses, healthcare practices, agencies, contractors, distributors, and online sellers whose owner still makes every financial decision — usually from a bank balance and a gut feeling.
Founders raising, borrowing, or selling
Businesses that need lender-grade financial statements, a defensible forecast, and clean books before a bank, an investor, or a buyer starts asking questions.
Entrepreneurs with more than one entity
Owners running two or three businesses, a real estate entity, or a holding company, who need one finance function across all of them rather than three sets of books nobody reconciles.
If your revenue is under about $500,000 and you have one product line, a good bookkeeper and a software platform are probably the right answer for now. We will tell you that on the first call.
A finance function, not a report.
- Monthly close by business day 10.Accrual-basis books, reconciled, with revenue recognized when it is earned and expenses when they are incurred — not when the cash moves.
- A management report by business day 12.One page of plain-English story, then the operating metrics that drive your business, then the statements. Written for an owner, not an auditor.
- A 13-week cash forecast, refreshed every Monday.Every payroll, rent, tax, and vendor date; collections modeled by customer or payer; a cash floor with every breach flagged weeks ahead.
- A rolling 12-month forecast and annual budget.Built from your capacity and your pipeline, not from last year plus a percentage. This is FP&A sized for an owner-operated business.
- A standing monthly review.Sixty minutes with the owner: what happened, why, and the two or three decisions that need making.
- Unlimited questions in between.Pricing a job, timing a hire, reading a lease, evaluating an offer — a CFO who already knows the numbers, not a consultant starting from zero.
From "what's in the bank?" to "here's the plan" in ninety days.
A diagnostic conversation.
Thirty minutes. We listen and write down the issues you're facing — cash, reporting, pricing, growth, a lender or a buyer — and then prepare a custom retainer scoped to your business. If we are not the right fit, we say so and point you to what is.
Thirty-day setup.
We connect to your existing systems (no switching required), rebuild the last three months on an accrual basis so you see the difference, build the cash forecast and the first management report, and fix the two or three things that are costing you money right now — usually collections, pricing, or an expense nobody reviews.
The monthly rhythm.
Close, report, forecast, review — every month, on the calendar above. By month three you will know your margin by product, service, location, or customer; where your cash is going and when; and what the business is worth if you ever decide to sell it.
What owners tell us is different after ninety days.
You stop being surprised by cash.
The forecast shows the tight week five weeks before it happens, when it is a decision instead of a crisis.
You know which part of the business makes money.
Margin by product, service, location, or customer — usually the first time the owner has seen it. It changes what you sell, how you price, and where you invest.
Your books can face a bank or a buyer.
Accrual statements, reconciled receivables, documented compensation: the package a lender underwrites and a buyer believes.
Your own pay stops hiding the truth.
Market wages for the roles you fill, and the business's real profit on its own line — so you know whether you own an asset or a job.
For a worked example of what this looks like in a real business, see how a 12-clinician practice found $200,000 in clinician utilization — or how a cash-basis month that looked mediocre was actually the best of the year.
The problems that usually bring an owner to us.
- The books are months behind.We catch them up on an accrual basis and install a close that holds.
- Profitable on paper, always tight on cash.The forecast finds where the cash goes — usually receivables, inventory, or owner draws timed badly.
- A bank wants three years of statements and a projection.We assemble the lender package and size the facility to the business's actual working-capital need.
- A buyer or investor has expressed interest.We normalize earnings, clean the balance sheet, and prepare the numbers so the first offer is not the last — see M&A & transaction support.
- Two or three businesses, one bank account.We separate the entities, install intercompany discipline, and produce one consolidated view.
- The owner is the finance department.We take the function off the owner's desk and leave the decisions on it.
- Pricing was set years ago.We rebuild cost per unit, job, or session and reprice with numbers.
- A partner is joining or leaving.We value the business, model the buy-in or buy-out, and structure the terms.
Where a dedicated CFO fits — and where it does not.
| Bookkeeper | Finance software platform | Fractional CFO | Full-time CFO hire | Zobov & Partners | |
|---|---|---|---|---|---|
| Records what happened | Yes | Yes | Relies on yours | Yes | Yes (accrual, reconciled) |
| Tells you what it means | No | Dashboards | Monthly summary | Yes | Yes — one-page story, monthly |
| Cash forecast | No | Sometimes, automated | Sometimes | Yes | Yes — weekly, owned |
| Knows your business in depth | Partly | No | Split across many clients | Yes | Yes — limited number of engagements |
| Lender / buyer readiness | No | No | Sometimes | Yes | Yes |
| Best fit | Under ~$500K, simple | Solo or small, one product line | Occasional strategic input | $20M+ | Owner-operated, $1M–$15M |
We work on top of whatever system you already use — QuickBooks, Xero, or an industry platform — and alongside your bookkeeper. Full comparison →
How is this different from a fractional CFO?
A fractional CFO typically serves many companies at once and works from summary reports. We deliberately oversee a limited number of engagements so there is capacity to know your customers, your pricing, your people, and your systems in detail — the level at which decisions in a small business are actually made. The calendar above is only possible because of that limit.
Do I need to replace my bookkeeper or my software?
No. We work on top of your existing accounting system and alongside your bookkeeper. If the bookkeeping is not accurate enough to build on, we fix that first — either by improving the process or, where necessary, by bringing it in-house. Switching software is rarely the answer and we will not recommend it unless it is.
What does it cost compared with hiring a CFO?
A full-time CFO in Los Angeles or Miami costs well into six figures with benefits and equity, and most businesses under $15 million cannot keep one busy. Our engagements are a fixed monthly retainer scoped to your business's size and complexity, agreed in advance, with no hourly billing. We will give you a specific number after the diagnostic conversation.
How quickly will I see results?
The cash forecast and the first management report are delivered within the first thirty days. Most owners see their true margin by product or location for the first time in month one, and the first cash decision made ahead of time — rather than in reaction — within the first quarter.
Can you help me sell my business or raise money?
Yes. Sale readiness, lender packages, and investor materials are part of the engagement when you need them. The businesses that get the best outcomes are the ones whose books were built to withstand diligence long before anyone asked — which is what the monthly rhythm produces.
I run more than one business. Does that work?
It is one of the most common situations we handle. We set up each entity properly, install intercompany discipline, and give you one consolidated view alongside the individual ones, so you can see the whole and the parts.
Do you handle taxes?
We coordinate closely with your tax advisor and make sure the books, the estimated payments, and the year-end planning are aligned — but we are not your tax preparer. Where you need one, we can recommend firms we work with regularly, including cross-border United States–Canada specialists.
Start with a conversation, not a contract.
Thirty minutes. We listen, write down what's holding your finances back, and come back to you with a custom retainer scoped to your business. No preparation needed.
Book a consultation → Or email [email protected] · (323) 834-3681The information on this page is provided for general informational purposes and does not constitute accounting, tax, legal, or investment advice. Engagement scope, deliverables, and timing are agreed in writing for each client and depend on the specific facts of the business. See our full Legal Disclaimer.