13-week cash forecast
Updated every week.
What you actually get, month by month.
Most firms describe this work in language that explains nothing. Here is the whole thing: what happens, in what order, and what we need from you.
One-page KPI report
Built for your industry.
Monthly CFO notes
What changed, why, and what we do next.
Findings document
Delivered inside your first 30 days.
What changes
Cash you can see
A 13-week cash forecast, updated every week, so you know where cash lands next quarter before it gets tight.
Compare the plansMargin by job
A chart of accounts rebuilt so margin shows by job, provider, product, or program, and a one-page KPI report that tracks it every month.
Compare the plansPricing that holds
Labor burden and margin worked out with real numbers, so the price you quote at volume is still a price that makes money.
Compare the plansLender-ready reporting
Statements, covenant tracking, and a forecast in the format a bank actually reads.
Compare the plansMonthly CFO notes
What changed, why, and what we do next, written down every month with action items.
Compare the plansA 90 day plan
Access, an on-site visit, the first clean close, and your findings document inside 30 days. The forecast live by day 60. The planning model by day 90.
Compare the plansBoard-ready package
A one-page package for the board or finance committee: budget versus actual by program, cash and reserves, and what changed.
Compare the plansSuccession handled
Who takes over, when, and what the business needs to be worth by then, with the numbers to back it.
Compare the plans
How it starts
1
Discovery call
Tell us what is going on in the business: cash feels tight, margins moved the wrong way, a lender wants better reporting, a buyer called.
We tell you honestly whether we can help, and which plan fits. If it is not a fit, we shake hands and you keep everything you learned.
2
Agreement to work together
We put the scope, the plan, and the monthly number in writing. You approve it before anything starts.
Month to month from day one. No annual contract.
3
90 day onboarding plan
We start within days. Access to the books and bank feeds, an on-site visit, and the chart of accounts rebuilt so margin shows by job, provider, or program.
Your first clean close and your findings document land inside 30 days.
Which stage do you fall under?
Start where the pain is. Move up when the lender, the board, or a buyer shows up.
Foundation
Books, clean and closed monthly.
Clarity
Numbers you understand, cash you can see.
Momentum
Forecasting, pricing, growth decisions.
Transaction
M&A, capital raise, ESOP, succession.
Your first ninety days
Days 1 to 30: see it
- On-site visit: walk the shop, the practice, the farm, or the office.
- Read access to accounting and bank feeds.
- Chart of accounts rebuilt for margin.
- First clean monthly close.
- Findings document delivered: what we saw, what it costs you, what we fix first.
Days 31 to 60: steer it
- 13-week cash forecast goes live, updated weekly from here on.
- One-page KPI report built for your industry.
- First monthly review call with CFO notes and action items.
- Lender, funder, or board reporting set up if your plan includes it.
Days 61 to 90: plan it
- Budget and forecast model built (Momentum and Transaction).
- First quarterly planning session.
- Pricing, hiring, or equipment decisions run through the model before they happen.
- Ninety-day check: what changed, what is next, whether the plan is right.
A month with Lucent CFO
Week 1
Books closed. Statements out.
Week 2
Package lands: KPI page, forecast, CFO notes. Review call.
Week 3
Forecast updated. Action items checked.
Week 4
Forecast updated. Open line for the decision that came up.
Dates are set on the discovery call, published to you, then kept.
What we need from you
One decision maker on the call
The owner, the executive director, or the person who signs.
Read access
Your accounting file and bank feeds. We do not need admin rights.
Dedicated review meetings
A standing monthly review on the calendar, plus a call whenever a decision cannot wait. The rhythm is what turns the numbers into action.
Quick answers, faster results
When we ask about a transaction, a customer, or a hire, a same-week reply keeps the close on time and the forecast current. The faster you answer, the sooner the results show up.
How it grows, and how it ends
Month to month, from the start. Move up a plan when the lender, the board, or a buyer shows up. Move back down when the pressure passes.
When the work changes, we say so. We help you plan the next step and make a clean handoff.
Common questions
How fast will I see something useful?
Inside 30 days. The findings document lands in your first month, and the 13-week cash forecast goes live in your second.
Do you come on site?
Yes. Every Clarity, Momentum, and Transaction engagement starts with an on-site visit. We want to see the shop, the practice, the farm, or the office before we build anything.
What do you need from me to get started?
Read access to the books and bank feeds, two to three years of financial statements, and one decision maker on the review call.
Do you replace our bookkeeper?
Not unless you want us to. If you have a bookkeeper you trust, we work with them and use their output. If you would rather hand it over, bookkeeping is one of our services.
How long is a typical engagement?
Most run twelve months or longer, but nothing is locked in. We are month to month from the start. If we are not earning the retainer, you should not keep paying it.
What does it cost?
It depends on the plan and the situation. We scope it on the discovery call and you approve the number in writing before anything starts.
See if we are a fit.
A straight conversation about your numbers and whether we can help.
Request a discovery call