Boring finance
for serious operators.
Senior, embedded CFO work for $1M to $25M businesses. We do the work most owners hate, so they can run the business they actually built.
Six standing engagements.
We run them. You run the business.
We’re not your bookkeeper. We’re not your CPA. We’re the finance partner sitting between them and you, making sure the right work happens at the right time.
Books closed by the 10th, without you chasing your bookkeeper.
We sit on top of QuickBooks (or whatever stack you're on) and sign off so you walk into the month with clean numbers.
A P&L that breaks down by service line, job, and tech.
Maintenance vs. install. Residential vs. commercial. Truck-by-truck contribution. So you stop guessing where the money comes from.
A 13-week cash flow you actually trust.
Rolling weekly, tied to your AR aging, payroll, and seasonality. Not a spreadsheet that pretends every month is the same.
Pricing built on real margin data, not what your competitor charges.
We rebuild your price book from labor burden, truck cost, and shop overhead up. Usually 5 to 10 points of margin inside 90 days.
One working session a month. What’s working, what isn’t, what to do.
Ninety minutes with you and your GM. No slide deck. We leave with a one-page list of decisions.
A number you can text when something feels off.
A vendor wants terms. A bank asks for a covenant model. A buyer slides into your DMs. They text or call, we pick up the same day.
Wall Street rigor.
Main Street focus.
Manny Gonzalez. Wall Street finance, translated for the businesses that actually make things.
Manny began his career as an analyst at Goldman Sachs, working alongside Fortune 500 CFOs on the decisions that move public balance sheets. He set out to bring that same level of rigor to the other end of the economy: the small businesses that quietly keep the country running.
Based in Salt Lake City, with significant professional experience across Charlotte’s financial-services market. No jargon, no slides. Clear numbers and a clear next move.
The questions every operator asks first.
Q.01What's the difference between you and my CPA?
Your CPA looks backward; they file the return, keep you compliant, and tell you what already happened. We look forward; we sit between you and your CPA, translating the numbers into decisions about pricing, capacity, hiring, and cash. We don’t replace your CPA. We make their work useful before April.
Q.02Are you going to make me change my bookkeeping software?
No. We work on top of QuickBooks, Xero, Sage, or whatever you’ve got. If your stack is genuinely holding you back we’ll say so. But switching software is rarely the actual problem. Most of the time the data is fine; the questions being asked of it aren’t.
Q.03How long does it take to see results?
Three weeks to clean books and a baseline model. Sixty to ninety days to see margin move. The pricing work is usually the fastest lever; we’ve added 5 to 10 points of gross margin inside one season by rebuilding the price book on real labor and truck cost.
Q.04What if I'm not ready for a full retainer?
Start with a paid diagnostic. Two weeks, fixed fee. You get a written read on your P&L, a 13-week cash forecast, and a one-page list of the three highest-impact things to fix. If we both want to keep going after that, we roll into a monthly retainer. If not, you keep the work.
Q.05Are you going to try to buy my business?
No. Boring Capital is a services firm, not a search fund. We don’t take equity, we don’t broker your sale, and we’re not lining up a buyer in the background. If a buyer comes knocking later, we’ll help you read the offer — on your side of the table, on the clock.
Q.06How much does it cost?
Retainers start in the low five figures per month and scale with revenue and complexity. We quote a flat number with no per-hour billing, so you should never hesitate to text. We’d rather talk through your specifics on the call than throw a range at you in writing.
Worth a 30-minute conversation?
Bring your last 12 months of revenue. We’ll bring three ideas to grow your margin, whether or not you ever hire us.
No deck. No pitch. Just a real conversation.