CFO advisory with the tax answer built in
Fractional CFO work for growing businesses, full CFO advisory for operations doing $2M to $75M, and turnaround help when cash is tight.
Two ways to work with us
Fractional CFO
For businesses under $2M. A monthly CFO meeting, a one-page report on the numbers that matter, a budget checked against actuals each quarter, a quarterly tax projection, and someone to call before big decisions.
Full CFO advisory
For operating businesses doing $2M to $75M. Controller protocols, cash and margin work, assets and structure, and exit planning, laid out below.
Every engagement starts with a diagnostic, from $1,500. CFO fees are in addition to monthly bookkeeping, and packaging the two together is discounted. Your tax returns can be spread into the same monthly payment. Prices cover our work only, not software subscriptions or taxes charged on them.
Full CFO advisory: the work most firms never bring up
Most fractional CFOs don't do tax. Most CPAs have never run the numbers on a shop floor. Golden Tree does both. We built our CFO advisory for businesses with inventory, equipment, property, and payroll, the moving parts where cash actually gets made or lost. Our founder spent seven years in business banking at J.P. Morgan, so we read your financials the way your lender does. And because we do your books and your taxes, every recommendation comes with the tax answer attached.
Built for operating businesses doing $2M to $75M.
Cash
Where the money actually goes, and where it gets stuck.
Controller protocols for cash flow
Who can approve what, a set payment calendar, a weekly cash position, and a collections routine your team follows without you.
AR and AP bottleneck review
We find where cash stalls: slow invoicing, customers who pay late, vendor terms working against you, and bills paid too early.
Inventory days held
How long inventory sits before it sells, by category or SKU, how much cash is tied up in it, and which stock is dead weight.
Cash conversion cycle
How many days it takes a dollar spent on inventory or labor to come back as collected cash. One number that ties receivables, payables, and inventory together.
Lender and covenant management
Covenant tracking, borrowing base reports for inventory and receivables lines, line-of-credit sizing, and loan packages your banker can approve.
Margin
Protecting what you keep on every sale.
Tariff pricing strategy
Landed-cost models showing what tariffs do to each product line, plus pricing, surcharge, and sourcing scenarios so you're not eating the increase.
Job and product margin
True margin by job, product, location, and customer, so you know what to push, reprice, or stop doing.
Fully loaded labor cost
What an hour of labor really costs once payroll tax, benefits, workers' comp, and overtime are in, and what that means for your pricing.
Assets and structure
Your equipment, property, and entities, set up to keep more after tax.
Depreciation schedules
A complete fixed asset register, with bonus and Section 179 timing planned before you buy, not after.
Equipment buy, lease, or finance
The after-tax cost of each option side by side before you sign, for trucks, machines, and everything in between.
Cost segregation analysis and modeling
We model the tax savings on your property before you pay for a study, then run it with our engineering partner if the numbers work.
Entity structure
Operating company, real estate holding company, management company: how they should be set up and how money moves between them.
Exit and continuity
Getting the business ready to sell or hand off, and protected if an owner dies.
Pre-exit planning
Clean, buyer-ready financials, normalized earnings, the tax side of an asset vs. stock sale, and a plan coordinated through Capital Architecture.
Owner and estate protection
Funding for buy-sell agreements and estate taxes is its own service. See estate and buy-sell insurance planning.
Priced to scope after a diagnostic, from $1,500. Packaged with monthly bookkeeping, it's discounted.Customs classification goes to licensed customs brokers, and legal documents to independent attorneys. We do the numbers and coordinate the rest.
Start with a diagnosticIf the numbers are what's keeping you at the office this late, it's time for a CFO.
Turnaround CFO advisory
When the business is losing money, cash is tight, or the bank is calling, a report at year-end won't help. You need someone in the numbers every week. We step in as your CFO, get cash under control, and build the plan to get back to profitable.
Signs it's time
- Revenue looks fine, but there's never enough cash
- You're covering payroll from a credit line or your own pocket
- Margins shrank and nobody can say which jobs or products are losing money
- The bank is asking questions, or a loan renewal or covenant is coming up
- You're behind on payroll taxes, sales tax, or IRS payments
- The owners don't agree on what to do next
How we work it
- Stabilize cashA 13-week cash forecast, a clear list of what gets paid when, and an end to the surprises.
- Find the leaksMargin by job, product, location, and customer, and the costs that aren't earning their keep.
- Fix it and hold itAn operating plan, monthly reporting, conversations with lenders and vendors, payment arrangements with the IRS and state, and a plan the owners actually agree on.
When a situation needs legal or restructuring counsel, we bring in independent attorneys and work alongside them.
Every turnaround starts with a diagnostic, from $1,500, so the plan is built on your real situation.
Talk to us confidentiallyReady to see where you'd land?
Thirty minutes, no pressure. Tell us what's going on and we'll tell you whether we're a fit.