Simplifying Business Ownership
Financial architecture for owner-operated businesses doing $2–10M in revenue. We find the profit leaks. We fix them. We stay to protect the gains.
Our Valued Partnerships
Sound Familiar?
If three or more of these are true, your business is leaking profit.
Read this list slowly.
You check your bank balance before making every business decision.
No 13-week forecast. You see $187K and feel safe. After payables, taxes, and a delayed invoice — you have $12K of real money.
Revenue is growing but profit is flat.
More sales, same margin problems. Nobody has reviewed pricing, analyzed product mix, or measured which parts of the business make money.
Your last hire was a gut decision.
No contribution margin model. No cash runway threshold. One bad hire at this stage costs $50K–$150K and six months of distraction.
Your accountant filed your taxes and you still don't know what to do next.
Clean books are not an optimized business. Your CPA looks backward. Nobody is looking forward at hiring, capital, or what the next 90 days require.
One client is 20% or more of your revenue.
Customer concentration is the silent killer. If that client leaves tomorrow, how many months before recovery? Have you calculated it?
You have no idea what you should be paying yourself.
Random draws from the checking account. No salary structure. No distribution strategy. Nobody has told you the optimal number.
Conservative estimate: $150K–$300K per year on $3M in revenue.
Real Examples
What doing nothing actually costs
Every number below came from a real engagement.
Saved in year one
A client was spending $40K/month on marketing.
Two of three channels produced nothing.
We cut spend to $15K. Deal flow stayed exactly the same.
Collected in one week
A seven-figure business couldn't make payroll on Friday.
$73K in unpaid invoices sat untouched. We collected it in one week.
The engagement paid for itself before onboarding ended.
In annual tax savings left on the table
Businesses at $2M–$6M typically leave $75K–$210K untouched every year.
No S-Corp election. No R&D credits. No retirement plan strategy.
No one told them to ask.
Hidden behind a good dashboard number
A salesperson closing $190K/month was destroying the culture.
Turnover, damaged client relationships, and fulfillment cleanup added up to $500K.
Commission tied to revenue instead of gross profit incentivizes the wrong behavior.
How it works
Three phases. One financial operating system.
Every engagement starts with a 2-day onsite. We fly to you.
Discovery & Setup
48 hours inside your business. Every P&L line, cash flow, and key team member. You receive a 13-week forecast, 12-month plan, and prioritized findings report within two weeks.
Organic Growth
We become your financial operating system. Monthly reviews, quarterly strategy, and involvement in every hiring, pricing, and capital decision.
Inorganic Growth
Once the foundation holds, we shift to offense. Acquisitions, tax architecture, and capital access at the right cost and sequence.
How We Compare
Why founders choose Green Mountain
Most financial professionals tell you what happened. We tell you what to do next.
The Alternatives
What most founders try
At $2M–$6M you don't need a full-time CFO. You need CFO-level thinking on 3–5 decisions a month. A full-time hire is overpaying for capacity you won't use.
They record history. They cannot answer "should I hire next quarter" or "can I afford to double ad spend." Compliance and strategy are different jobs.
Manages the close process and keeps books clean. Does not build forecasts, model hiring decisions, or evaluate acquisitions.
Sells hours and monthly reports. Shows up for a call, reviews the numbers, tells you what happened. Does not fly to your office or stay in every major decision.
Green Mountain Advisers
What we actually do
Every engagement starts with a 2-day onsite before any monthly work begins.
13-week cash flow forecast, 12-month financial plan, and involvement in every major decision going forward.
Dollar-denominated findings report showing every profit improvement identified in the first two days.
In every hiring decision, every capital decision, every pricing change — not just monthly Zoom calls.
If the numbers from the first two days don't support working together, we'll tell you before any retainer starts.
Results
What the work actually produces
Four engagements. Every number is real.
Revenue Turnaround
$1.5M/mo
Startup collapsed from $250K to $60K/month overnight. Rebuilt within six months. Six consecutive profitable months followed six consecutive losses.
P&L Transformation
12× ROI
$870K actual NOI vs. $90K projected. $3M+ in debt eliminated. Marketing spend cut 60% with no drop in deal flow.
Questions
Before you book a call
Owner-operated businesses doing $2M to $10M in annual revenue. The ideal client is growing but making major decisions without a real financial operating system underneath them.
Day 1: full P&L walkthrough, balance sheet review, cash flow audit, team interviews. Day 2: dollar signs on every red flag found. Within two weeks you receive a 13-week forecast, 12-month plan, and prioritized action list.
Most fractional CFOs sell hours and review what happened last month. We are in every major decision going forward: hiring, pricing, capital, acquisitions. We fly to you. We do not just show up on a Zoom call.
Every engagement is structured to pay for itself in the onsite discovery. If the numbers from the first two days don't support working together, we will tell you before any monthly retainer starts.
A limited number at any time. New clients are accepted on a rolling basis and may be placed on a waitlist depending on current capacity.