Report
Monthly Business Review
Turn P&L, cash, receivables, operating KPIs, variance, and management actions into one review.
Free tools & financial resources
Use the tools. See how the decisions work.
Start with a free self-assessment, then explore formula-driven examples for reporting, cash, profitability, and growth decisions. No signup required.
Start here · Free · 10–15 minutes
Finance & Systems Health Scorecard
See where your financial visibility and back-office systems are strong, where they may be holding you back, and what to address first. The scorecard covers five areas and returns red flags, your top three priorities, and a suggested starting point.
Formula-driven models
Change the inputs. See the output. Then use judgment.
Each resource includes an editable Excel workbook with inputs, formulas, outputs, checks, and questions to consider before making a decision. No signup required.
Analyze
Month Variance Analysis
Separate what changed from what may have caused it using budget, prior-month, and operating-driver analysis.
Forecast
13-Week Cash Flow Forecast
Model weekly customer receipts, payroll, operating commitments, scenarios, and minimum-cash headroom.
Profitability
Service Profitability Review
Compare customers, contracts, jobs, or service lines using direct delivery costs, overhead, scenarios, and concentration signals.
Decide
Technician + Vehicle Decision Model
Test hiring, vehicle cost, ramp time, break-even workload, cash need, payback, and downside sensitivity.
A free tool can be the starting point
Use it yourself. Or turn the question into a defined project.
You do not have to begin with an ongoing retainer. If the question is specific, I can scope the work as a fixed-fee project around your actual business information, then hand it off or continue into ongoing CFO support if that is useful.
Profitability
Customized Profitability Review
Connect customer, contract, job, or service revenue with labor and delivery costs, then identify what needs investigation before changing price, scope, or capacity.
Cash
13-Week Cash Forecast Setup
Build a weekly cash view around actual collections, payroll, suppliers, debt, capex, and the decisions that could change cash timing.
Growth decision
Growth Decision Model
Model a technician, crew, vehicle, equipment purchase, contract, or expansion using your actual costs, ramp assumptions, capacity, and cash position.
Finance + systems
Finance & Systems Review
Review reporting, forecasting, profitability visibility, workflows, systems, controls, and team ownership, then turn the findings into a prioritized action plan.
Defined scope. Fixed fee quoted upfront.
Tell me the question or decision you are working through. I can tell you what I would review first and whether a project or ongoing support fits the work.
Educational guides
Understand the question before choosing the tool.
When does a business need a fractional CFO?
Understand the gap between accurate books and forward-looking financial decision support.
What should a service business owner review every month?
A practical guide to margin, cash, A/R, operating drivers, variance, and management actions.
Need a version customized to your business?
A useful model depends on your actual pricing, labor, customer terms, reporting structure, systems, and decisions. Contact Elaine at hello@upstreamcfo.com to customize one of these tools or scope a different financial or back-office project.
Work can be project-based or part of ongoing fractional CFO support.