Financial Health Assessment
If you're doing real revenue but your bank balance doesn't show it, you don't need another free "strategy call."
You need an X-ray.
If we both see a realistic path to $50K+ on the Clarity Call, this is the next step.
The Financial Health Assessment is a one-time, fixed-fee deep dive that:
All for $5,000.
If we can't find at least $50K in realistic, trackable upside with a 90-day plan you agree is doable, you get your $5,000 back. Simple.
Built for:
Sweet spot: bidding 20–30% and banking single digits. That gap is where the $50K lives.
You're a fit if:
If you're under ~$3M or just want the cheapest compliance, this is not for you.
To see if the Assessment is right for you.
One document. One call. One clear answer to: "Where is $50,000+ leaking out of my business — and how do I stop it in 90 days?"
3–7 specific tweaks worth at least $50K in measurable cash or profit when executed.
What to change
The exact tweak — pricing adjustment, payment term fix, collection process, cost cut, tracking install. Not theory. Moves.
How much it's worth
The dollar amount each fix puts back in your pocket. Measured, trackable cash that shows up in your bank account.
Who does it
Owner, office manager, sales team, field crew — every tweak has a name next to it.
Why it's actually doable
Every fix is filtered against your real team, real tools, and real life.
You also get the diagnostic work that supports it:
P&L, balance sheet, and cash flow rebuilt as one connected story — including how retainage and WIP actually flow through your books.
What you should be banking at your size vs what you actually are.
Your margins, overhead, DSO, cash runway, and AR days vs top operators — not "industry average."
When cash lands vs when payroll, subs, materials, and taxes hit.
We walk through everything in plain English. You ask anything. You leave knowing exactly what to do Monday morning.
The Assessment is $5,000.
By the end of it, if you don't believe we've:
Identified at least $50,000 in realistic, measured cash surplus or profit potential in the next 12–18 months
Given you a 90-day plan you agree is doable for your team and situation
…then I'll refund the $5,000.
No hard feelings. You keep the insights and the plan.
When you complete the Financial Health Assessment, you also get a complimentary Sales MRI from our strategic partner Joshua Long (author of Bottleneck Breakthrough).
Complete Team Assessment
Psychometric evaluation of every salesperson
Top Performer Profile
Blueprint for all future hiring decisions
1-Hour Strategy Session
Personal review with Josh + action plan
The Financial Health Assessment shows where money is leaking. The Sales MRI shows why your team isn't closing more of it. Together, you get the complete picture.
Here's what we actually do during the engagement:
We combine your data with our diagnostic stack:
Recent financials (P&L, balance sheet, cash flow)
Job / project reports or WIP
AR/AP aging + basic pipeline/backlog context
Transformation Readiness Assessment
Where the business is bottlenecked (demand, delivery, cash, team, etc.)
What happens if you change nothing vs course-correct
We also look at patterns: underpricing from fear, over-giving to feel needed, avoiding hard conversations, spending to "feel" successful. We call this the Blessing Block — the ways we unknowingly resist the prosperity and clarity that's available to us.
You don't have to share our spiritual lens to benefit — if all you care about is the math, the math still works. Read more about our approach →
"My books are a mess — I'm embarrassed" — If your books were perfect, you probably wouldn't be here. Part of the Assessment is fixing the story your numbers are telling so they match reality. I've seen tens of thousands of returns and statements — you're not going to shock me.
We rebuild how revenue, WIP, AR, AP, retainage, debt, and taxes actually connect. Then we benchmark your key ratios against excellence, not "average":
Gross Margin
Overhead Load
Cash Runway
DSO / AR Days
Leverage
You see, in numbers, where you're strong and where you're bleeding — with retainage timing and DSO called out specifically because that's where most trades lose cash without realizing it.
Build a 13-week cash view tied to your real seasonality, draw schedule, or project flow
Identify where you're acting as the bank (customers, GCs, carriers, subs, vendors)
Surface concentration and system risks that hurt bankability and valuation
This is where we start making the business easier to run, fund, and eventually sell.
You get a written, prioritized 90-day plan: 3–7 concrete moves, the dollar upside, who owns each, and why it's doable with your current team.
3–7 concrete moves (term changes, pricing shifts, reporting rebuild, cost cuts, hiring/seat changes, tracking installs)
The measured upside (profit/cash) we expect if executed
Who has to do what (owner, managers, sales, techs/crews)
Feasibility filters so it's executable by your team without blowing up your life
Every plan is different, but it usually pulls from:
Simple, role-specific scoreboards for close rate, average ticket, callback/rework, AR days, job margin, tech/crew performance — so you can coach with data.
Rebuild financial + job/WIP reporting so everything ties together and matches how work is sold and delivered.
If close rates are too low or too high, or tickets are under target, we design pricing/offer/sales tweaks your team can actually be trained to run.
Deposits, draws, invoice timing, collections rules, and payables cadence so cash moves faster and you stop being the bank for everyone else.
Cut or re-time spend that doesn't move the needle and redeploy into what does: marketing that works, key hires, training, or debt paydown.
The 90-day plan assumes your existing team can start executing with light training and clear scripts. No full-scale "program" required.
Not every recommendation is "do more." Often the highest-value move is stopping things that feel productive but actually lose money.
We don't slash and burn. Sometimes you cut, sometimes you reprice, sometimes you reseat people. The plan respects what you value while fixing what's killing you.
Your business can only perform at the level of its weakest function. We don't try to fix everything — we find your #1 bottleneck, focus all resources on breaking it, then find the next one.
Spreading effort across every function = marginal improvements everywhere, transformational improvements nowhere. The 90-day plan starts with the constraint that's actually restricting your business right now.
If you decide to move forward with our Ongoing CFO partnership, we credit the full $5,000 Assessment fee toward your monthly engagement. You're not spending $5K on a report — you're putting down a deposit on the real work.
$5,000
Assessment fee
→
$5,000
Credit toward Ongoing CFO
We only offer this credit if we both agreed on the Clarity Call that ongoing CFO is likely to make sense for your shop. No obligation — if you'd rather take the plan and run with it yourself, you keep everything.
The Assessment is a trial run. For both of us.
Our goal is to turn you into an Ongoing CFO client — because that's where we make our money. The Assessment, frankly, is a loss leader. We put in more than $5,000 worth of work. We do it anyway because it lowers the risk for both sides and dramatically increases the odds of a long-term partnership that actually works.
Think of it as a first date with a clean exit. No long-term commitment. No awkward breakup. If we work well together, great — we keep going. If we don't, you walk away with a plan worth far more than what you paid.
We start with quick wins to prove ourselves.
Low stakes. Easy exit. Proof before commitment.
The businesses that stay with us for years all started the same way — with a $5,000 test drive.
The Assessment isn't just a check you write. It will also cost you:
If you're not willing to invest those things, keep your $5,000.
You're not ready for this yet.
"I don't have time for this right now" — Notice "time" isn't on the list. This process is designed to respect it: a few focused hours from you and key team members over 2–4 weeks. If you truly don't have that, the problem isn't capacity — it's that the business is already running you, not the other way around.
Straight answers to the questions we hear most.
If all we do is put numbers and dollar amounts on what you already "knew in your gut," most owners consider that worth the fee. But if you feel we've added no new clarity or measurable upside, you get your money back.
If your books were perfect, you probably wouldn't be here. Part of the Assessment is fixing the story your numbers are telling. We've seen tens of thousands of returns — you're not going to shock us.
No. The Blessing Block lens is there for owners who find it helpful. If all you care about is the math, the math still works.
We're honest that ongoing CFO is where we make our money. But there's no obligation to continue past the Assessment. You leave with the X-ray and the 90-day plan either way.
A few focused hours over 2-4 weeks. We do the heavy lifting. You show up for a kickoff call, provide data access, and attend the final presentation.
Because free advice is worth what you pay for it. The $5,000 ensures you're serious and we're serious. It funds real diagnostic work — not a sales pitch disguised as consulting. And with the $50K guarantee, your downside is capped while your upside is 10x.
If you want a paid X-ray that shows exactly where the money is leaking and whether there's a realistic path to at least $50,000 in surplus, start with a 20-minute Clarity Call. We'll see if the Financial Health Assessment is the right next step.
Book a 20-Minute Clarity CallAll the risk is on us. This call is about making sure we can actually help.