Small Business CFO Advisory
A strategic financial partner for your business.
What keeps you up at night? Are you faced with challenges and cannot find the right partner to get good advice? Do you ever wonder what your banking contact sees and does when they receive your loan request? Who decides whether you receive a loan or not, and what factors drive that decision?
You don't need a full time CFO. You need an advisor to help you navigate the big decisions.
Most small businesses can't justify a full time Chief Financial Officer. A bookkeeper or CPA cannot always provide expert level guidance for major financial decisions.
Bankanese LLC brings 20+ years of banking, lending, and financial analysis experience directly to your business. Looking at the balance sheet, most business owners know how they would deploy more capital in order to meet their strategic growth plan. Decisions such as buying capital equipment, paying expenses with funds not yet collected, buying a real estate asset to plan for retirement, purchasing a competitor, or seeking to vertically integrate, bank loans and debt are great options to explore. Navigating the world of bank credit requires one to be versed in accounting, legal documentation, finance, and business strategy. Having a partner in your corner to help with these decisions can save thousands of dollars in interest, fees, and other financing costs while positioning your company for success.
How We Help
Loan Readiness & Bank Preparation
Understand exactly what your bank underwriters sees when they review your financials. We help you prepare loan packages that tell a compelling story and anticipate the questions lenders will ask.
Financial Statement Analysis
A clear eyed review of your income statement, balance sheet, and cash flow translated into plain language with actionable insights for your next decision.
Cash Flow Planning
Identify the gaps before they become crises. We model your cash position forward and help you build the reserves and timing strategies that keep operations stable.
Strategic Advisory
From pricing decisions to capital structure, we serve as a sounding board for the financial impacts of your most important business choices. Find out how qualitative models such as the Porter Model and SWOT analysis can help guide your next move.
Lender Relationship Guidance
Banking relationships are built on trust and communication. We help you understand how to position your business, manage covenant conversations, and negotiate from a position of knowledge. We also help establish a fit with the right bank when the current situation is not working.
Business Performance Review
A periodic review of key financial metrics and KPIs to keep you informed, accountable, and ahead of problems before they compound. Industry analysis and macro economic variables can affect the outcomes of your business decisions.
Why Bankanese?
"Ask me anything about accounting, finance, and banking to save yourself time just as you would with any other service professional."
Banking Insider Perspective
20+ years working inside banks as a relationship manager, underwriter, and loan auditor. We know how lenders think because we were making the decisions to approve or deny loan requests.
Cross-Disciplinary Expertise
M.S. Accounting, M.A. Economics, MBA, and CFA Charterholder. Complex financial problems rarely fit one discipline. A multifaceted approach helps to identify risks before they arise and foster communication among trusted business partners.
Plain Language, Real Answers
No jargon, no runaround. We translate the language of banking and finance into clear guidance you can act on. We can explain how covenants and reporting requirements are structured into a loan agreement with your bank.
Ready to Get a Clearer Picture of Your Business Finances?
Let's have a conversation about where you are and where you want to go.
Confidential consultations available.