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Anonymized client outcomes across industries — showing what's possible when you have a CFO in your corner.

Fractional CFO · Wealth Management Architecting Financial Clarity Faith-Based Wealth Management · $300M AUM
1.8×Valuation
2.0×EBITDA
2.1×Owner Pay
Near-breakeven despite $300M AUM. Eliminated $200K in operating debt and doubled margins in two years.
Fractional CFO · Case Study

Architecting
Financial Clarity

A faith-based wealth management firm managing $300M AUM was operating near break-even — leveraged, margin-compressed, and flying blind. FinTeam rebuilt the financial engine from the ground up.

IndustryWealth Management
StructureLLC (S-Corp)
Timeline2023 — 2025
Scale at Entry
AUM$300M
Revenue$2.5M
ProfitabilityNear break-even
The Multiplier
1.8× Valuation
2.0× EBITDA
2.1× Owner Pay
01
Presenting Challenges
01 — Capital Inefficiency Excess cash sat idle Cash reserves parked in a standard checking account generating zero yield. Capital chronically underworked despite a $300M AUM footprint.
02 — Debt Burden $200K in operating debt Two lines of credit leveraged simply to cover standard operating expenses. Cash flow chronically misaligned with the firm's revenue cycle.
03 — Margin Compression Below-average margins No mechanism to monitor, govern, or reduce operational spend. Profit margins far below benchmarks for a firm of this AUM scale.
Key Insight Entering 2023, the firm had little cash reserves, leveraged two lines of credit (~$200K) to cover operating expenses, held excess cash in a checking account, and had below-average profit margins. Despite large amounts of revenue, the firm was operating at near break-even profitability.
02
The FinTeam Approach
The Turnaround Architecture Three interconnected pillars — each designed to address a specific root cause.
Pillar 01 Cash Flow Management Liquidity Restructuring
  • LOC paydown while preserving access
  • Strict 2.0 current ratio enforcement
  • Protected 3-month operating reserve
  • Excess cash routed to high-yield savings
Addresses: Capital Inefficiency + Debt Burden
Pillar 02 Expense Management Profitability Optimization
  • Line-by-line expense audit
  • Hard spending limits + austerity plan
  • Monthly budget-to-actuals review
  • Expenditure governance
Addresses: Margin Compression
Pillar 03 Managerial Insight Forward Visibility
  • Bottom-up budgeting
  • Headcount and employee planning
  • Rolling 12-month cash forecasts
  • Stress-tested hiring models
Addresses: Reactive Planning + Growth
03
The Impact · 2023 — 2025
01 Liquidity Restored 2.0 Current Ratio + 3-Month Reserve
02 Profitability Optimized Hard Expense Ceilings — Zero Operational Bleed
03 Clarity Achieved Rolling 12-Month Cash Runway
The Multiplier Effect · 2023 vs 2025
1.8× Business Valuation $4.86M → $8.75M
2.0× Adj. EBITDA Margins 9% → 18%
2.1× Owner Compensation $291,535 → $615,210

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