Financial clarity for
services businesses.
When your product is your people's time, the financial mechanics are different. Utilization, project margins, retainer economics, and owner compensation all require a CFO who understands how services firms actually make money.
Services firms are often busy, billing well — and quietly losing margin on work they can't see clearly enough to fix.
The challenge in a services business isn't usually revenue. It's visibility. You know your top-line. You probably know your payroll. What you often don't know is which clients are actually profitable, which engagements are eating margin, and whether the growth you're chasing is making the business stronger or just bigger.
The financial function in most services firms is built around compliance — taxes, payroll, basic bookkeeping — not around the management decisions that actually drive profitability. Nobody's tracking utilization. Nobody's doing engagement-level P&Ls. Nobody's modeling what happens to owner distributions if you add two more senior staff.
Finaro builds the financial infrastructure that answers those questions — consistently, every month.
The financial function your
services firm actually needs.
Engagement-level P&Ls that show you exactly where margin is being made — and where it's being given away. Built on your actual time, billing, and cost data so the numbers reflect what's really happening on each client or project.
Know your billable utilization rate, identify where capacity is being lost, and tie it directly to your financial model. The foundation for every staffing, hiring, and pricing decision your leadership team needs to make.
Whether you bill by retainer, project, time-and-materials, or a mix — we build the revenue recognition and forecasting structure that reflects how your business actually earns. Including deferred revenue for prepaid engagements.
The most personal financial question in a services firm — and the one most often answered by gut feel. We model the business's cash generation against owner needs, tax obligations, and reinvestment requirements to get this decision on solid footing.
A clean, reliable close that produces financials your leadership team can actually use — not just a compliance artifact. With the narrative and variance analysis that makes the numbers actionable, not just informational.
A services firm's biggest lever is headcount. We build the budget and staffing model that shows you exactly what each hire does to revenue, utilization, and margin — so growth decisions are made with eyes open.
Built for services businesses where
people are the product.
We work with professional services, consulting, and agency businesses between $1M and $50M in revenue — typically owner-operated or partner-led, with somewhere between 5 and 100 people delivering the work.
The common thread is a business model where margin lives in the gap between what you bill for time and what you pay for time — and where that gap is hard to see clearly without the right financial infrastructure.
If your business earns by delivering expertise, advice, or creative output — and you want to know whether you're doing it profitably — we're built for you.
Ready to see exactly where your business is making — and losing — money?
Schedule a no-obligation conversation. We'll learn about your business and tell you honestly whether we're the right fit.