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Your P&L says you're profitable.
Your bank account disagrees.

Stop guessing on every hiring, spending, and growth decision. Start knowing.

For small businesses doing $250K–$10M

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90-day money-back guarantee · No long-term contracts

Monthly Briefing

Acme Healthcare · March 2026

Prepared by Bobby Mays

Revenue

$142.3K

↑ 12% vs Feb

Net Margin

14.2%

↑ 1.1pt

Cash on Hand

91days

↓ 8 days

Payroll / Rev

38%

↑ 3pt

■13-week rolling cash forecast

Cash Warning < $40K
$40K minimum WK 7 · $38K · DIP W1 W3 W5 W9 W11 W13

⚠️ Projected dip below $40K threshold in Week 7. Delay equipment refresh by 30 days to stay above buffer.

This month

Raise prices 5–8% on new contracts. Margins compressed 2.3pt since January; your COGS/hour justifies the increase.

+$18K/yr

Built for service businesses, professional practices, and agencies doing $250K–$10M in revenue

The math most owners live with

This is not a revenue problem.
It's a visibility problem.

$43K

/year

Average revenue lost to cash flow blind spots

Intuit/Wakefield Research, 3,000 firms

27

days

Median small business cash buffer. 1 in 4 hold less than two weeks.

JPMorgan Chase Institute, 597K firms

45%

 

of small business owners have skipped their own paycheck to cover cash flow gaps

QuickBooks/Intuit

These aren't someone else's numbers. This is your Tuesday night, staring at the bank balance, wondering if you can make payroll.

Fulcrum gives you the answer before the question keeps you up.

You have numbers.
You don't have answers.

Your bookkeeper tells you what happened. We tell you what it means and what to do next.

Without Fulcrum

With Fulcrum

"Revenue is up 40% and I still can't pay bills." The cash flow paradox nobody explains.

You know exactly where your money went and what to do about it. Every month, in plain language.

You're making hiring, pricing, and spending decisions on gut feel because nobody translates the numbers into answers.

You see cash problems 8 weeks before they hit, with a 13-week rolling forecast updated weekly.

Tax season produces gut-punch surprises. Payroll weeks produce 3am anxiety. The question that never goes away: can I actually pay everyone this month?

You find out where expenses are creeping before they eat your margin.

You know something is missing. You've been told you need a CFO but can't justify a $200K+ hire.

You get a clear list of what to do next, not just numbers to stare at. Plus same-day answers via your dedicated Slack channel.

See how Fulcrum changes this →

Real results

What changes in the first 90 days

5.3×

Return on membership within 90 days, from a single finding.

7-clinician healthcare practice

Provider compensation was consuming 51% of revenue against a 35–40% benchmark. We built a compensation model, identified the gap, and created a phased restructuring plan. Result: $77K/yr savings identified on $14,400 of membership.

Read the full case →
$45K

Cash shortfall caught 8 weeks before it hit.

12-person professional services firm

Seasonal revenue was creating 40%+ cash swings with no advance warning. We built a 13-week rolling forecast updated weekly. They secured a credit line on their terms, not in a panic.

Read the full case →
7.5×

Return on membership, and the founder got their time back.

Media production agency

Founders were stuck in delivery. Revenue had plateaued. We identified the bottleneck, helped hire an international team member, and built a metrics framework. Result: $108K/yr additional profit.

Read the full case →
Chris Sterrett

"For the first time, I can see the path forward and I have the numbers to back every decision."

Chris Sterrett  ·  Founder, The Good Podcast Co.

How it works

From first call to full financial clarity in 6 weeks. We onboard 3–4 new clients per month to ensure every business gets the attention it deserves.

Your total time investment: about 3 hours.

01 — DAY 1

Book a call

30 minutes to talk about where you are, where you want to go, and whether Fulcrum is the right fit.

02 — WEEKS 1–4

We build your system

We get your books current, configure your KPIs, and build your reporting framework. Most of the work is on our side.

03 — BY WEEK 6

You start making better decisions

Your first report lands. It tells you what happened, why it matters, and what to do about it. Every month, from that point forward.

Book a Call Most calls take 30 minutes. No pitch deck.
90 days

Zero risk to start.

If we don't identify at least your first month's fee in savings or opportunities within 90 days, we refund every dollar. No caveats, no conditions. The guarantee exists because it has never been triggered.

Our offerings

Your finance team, plus more when you need it

Financial clarity as the foundation, with talent and strategic direction when you need it.

Recommended

Financial Intelligence

A bookkeeper, analyst, and strategist working for your business. Your books stay current, you see problems before they hit, and every month you get a clear plan for what to do next.

$1,200/mo

Add bookkeeping starting at $300/mo

See what you get →

What changes for you

  • Know exactly where your money went every month
  • See cash problems 8 weeks before they hit
  • Catch expenses creeping before they eat your margin
  • Track KPIs that actually matter to your business
  • Get same-day answers via your dedicated Slack channel

Global Recruiting

Full-time professionals sourced globally at 50–70% less than local hires. Dedicated team members who work exclusively for you.

  • 90-day replacement guarantee
  • Members save up to 50% on placement fees
Build your team →

Vendor Network

Pre-vetted, pre-negotiated specialists. CPAs, attorneys, marketing, web development, CRM, automation, and more.

  • Member rates 10–20% below standard
  • Included with every membership
See the network →
Waitlist

Strategic Consulting

Limited-capacity fractional COO/CFO partnership. 90-day roadmap, weekly accountability syncs, and execution support.

  • $3,500–$7,500/mo
  • FI members get priority access
Join waitlist →

Common questions

Most business owners who find us are asking themselves these exact questions.

Because profit and cash are two different things. Your P&L shows revenue minus expenses on an accrual or timing basis. But if your receivables are at 45 days, your rent is due now, and you just made a tax payment, you can be profitable and still not have money in the bank. That gap between accounting profit and actual cash is the #1 reason business owners feel like something is wrong. A 13-week cash flow projection solves this by showing you exactly where the money is going and when.

Bookkeeping records what happened. Financial Intelligence tells you what it means and what to do about it. You get clean books plus a monthly briefing with KPIs, cash flow projections, variance analysis, and a written action plan. One is a record. The other is a decision-making tool.

A fractional CFO gives you a few hours a month of strategic advice, but you still need someone to do the books and build the reports. Fulcrum gives you the full stack: bookkeeper, analyst, and strategist. The bookkeeping, the reporting, the analysis, and the recommendations are all handled. You get the output of a CFO without needing to hire one. And at $1,200/mo, it costs a fraction of what a fractional CFO charges ($3,000–$10,000/mo).

Service businesses, professional practices, agencies, and SMBs doing $250K to $10M in revenue. We use QuickBooks Online and do cash-basis accounting. Our current clients span healthcare, events, logistics, music licensing, and media.

No. If you already have a bookkeeper you're happy with, the Financial Intelligence membership starts at $1,200/mo and works alongside your existing setup. We just need clean, timely books to build the analysis on top of.

$1,200/mo for the Financial Intelligence membership. Bring your own bookkeeper, or add bookkeeping starting at $300/mo. 3-month minimum, then month-to-month. 90-day money-back guarantee.

Ready to get started?

Book a Call

90-day guarantee

If we don't identify at least your first month's fee in savings or opportunities within 90 days, we refund every dollar.

Jeff Smith

"When a decision comes up, we already have the numbers. We don't guess anymore." -- Jeff Smith, Quiet Signal

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