Access and review
Bank, books and credit access. The Red Flag review starts.
Fractional CFO & COO, one seat
One seat. Every number.
A part-time CFO and COO for owner-run businesses doing $1M to $20M. Strategy, operations, finance, the books, fundability and capital placement, for one monthly price.
No menu to choose from and no separate invoice for each problem.
$7,500a month · everything included
- 90-day start, then month to month on 30 days’ notice.
- No add-on fees for the work. Bookkeeping, finance, operations and placement are all in.
- One person, start to finish: Joshua Gilmore.
What’s in the Seat.
Everything a CFO and a COO would do for a company your size, done part-time. Nobody underwrites your business. They underwrite your paperwork. This is how the paperwork catches up to the business.
- 01
Strategy
A monthly planning session and a 90-day plan, rewritten every quarter.
Sequenced, owner-assigned and dated, with a weekly check-in so the plan stays true.
- 02
Operations (COO)
The five to eight numbers that run the business, built, populated and updated weekly.
Process, vendor and staffing fixes. One win shipped every month. I ship it; I don’t hand you a recommendation.
- 03
Finance (CFO)
A monthly financial review, with budget against actuals.
Pricing and gross margin by job, so you know which jobs make money before you bid the next one.
- 04
Bookkeeping
Monthly close and reconciliation, with the backlog cleaned up and kept current.
Up to 300 transactions a month. Volume above that is quoted in writing before it’s billed.
- 05
Fundability
A full Red Flag review in month one: financials, debt schedule, credit, collateral and use of funds.
It names the exact defects that would get you declined, scored against the Clean File Standard. Then I fix them and keep the file current every month.
- 06
Capital placement
Your file packaged and placed with third-party SBA, term, line-of-credit and equipment lenders.
The work is covered by the monthly fee. Any fee on a closed loan is agreed and disclosed to you in writing before a file moves. Onward is not a lender.
See if you prequalify
The first 30 days.
By the end of the first month you have real books, a scoreboard you’re using, a dated plan and one fix already shipped.
Books current
The backlog reconciled, so every number after this is real.
Scoreboard live
Your numbers built, with a weekly rhythm to update them.
Plan and first win
The dated 90-day plan, and the first fix shipped.
After that, the Method.
Every month after the first runs the Onward Method, in order: Read, Repair, Recover, Reinvest, Reserve.
Tax, audit and legal: covered.
Tax filing, audit and legal work go to a team of CPAs and attorneys I work with. Already have your own? I’ll work directly with them. Need one? I’ll put the right relationship in place.
Questions.
Why one price?
Because the work doesn’t split. The books feed the numbers, the numbers feed the file, and the file gets placed. Priced in pieces, you’d have to choose which problem to fix first. Now you don’t.
How is this different from a consultant?
A consultant’s deliverable is a recommendation. Mine is a scoreboard you’re using, one fix already shipped, and a dated plan, all inside the first 30 days.
Can you just get me the money?
Sometimes. Month one answers that. If the file is ready, I place it. If it isn’t, placing it puts a decline on your record and burns a lender relationship for both of us.
What does capital placement cost?
The work is inside the $7,500. If a lender closes, any placement fee is agreed and disclosed to you in writing before a file moves. Onward is not a lender and does not put its own capital at risk.
We’re doing fine.
Probably. Tell me the gross margin on your last ten jobs and I’ll go away.
Who do you work with?
Owner-run businesses doing roughly $1M to $20M in revenue, nationally. Trades, fleet and home-services contractors are most of the book.
The call.
Twenty minutes, no charge. By the end we’ll both know whether the Seat is worth $7,500 a month to you. If it isn’t, I’ll tell you.