Exploring a Fractional Strategic Finance Partner For Your Business
Elbert Street Fractional Finance
Growth Decision Modeling
Many small business owners don’t struggle with revenue. They struggle with decision visibility.
They’re constantly asking:
Can I afford to hire?
Should I take on debt?
What happens if revenue slows?
When can I expand?
How to I prepare financially for a future sale?
Bookkeepers and CPAs track what already happened. We build forward-looking financial models that show what’s likely to happen so owners can make confident decisions before committing capital.
Growth Decision Modeling focuses on projecting cash flow, profitability, and risk under different business scenarios. These models become practical decision tools, helping owners evaluate hiring, financing, expansion, margin pressure, and long-term exit readiness before making major financial commitments.
Scope of Work
Cash Flow & Liquidity Planning
13-week cash flow modeling
Payroll and bill payment planning
Seasonality and working capital planning
Margin & Profitability Improvement
Service or customer profitability
Labor and overhead burden analysis
Pricing and margin scenario modeling
Sales & Expense Forecasting
12–36 month financial projections
Revenue driver and cost structure modeling
Scenario planning based on growth assumptions
Debt Capacity Modeling
Debt affordability and ‘Debt Service Coverage’ analysis
SBA and bank readiness modeling
Financing impact on cash flow
Exit Planning & Financial Readiness
Building a forward financial package for a future sale
Normalized earnings and cash flow views
Identifying financial gaps buyers will diligence
Guidance on financial tracking to maximize value in a 2–5 year exit window
What This Is Not
Growth Decision Modeling is forward-looking and decision-focused.
I do not provide:
Bookkeeping
QuickBooks cleanup or transaction coding
Payroll processing
Tax preparation
Historical accounting reconstruction
I can work alongside your bookkeeper and CPA using existing financials to build projection models and decision frameworks.
Where helpful, I can also provide suggestions on how financials or bookkeeping processes could be structured more effectively to support forecasting, decision-making, and future sale readiness, but I do not perform accounting or bookkeeping services directly.