Stop guessing where your money goes. A custom-built financial model, 12-month cash flow forecast, and margin analysis by product or service line — delivered in plain English.
Fixed FeeEngagement Type
15–25 hrsEngagement Time
12-MonthCash Flow Forecast
100%Custom-Built
Overview
What Is This Engagement?
Most small businesses are running on incomplete financial information. The P&L they see is months old, cash flow forecasts do not exist, and margin breakdowns by product or service line are nowhere to be found. Decisions get made on gut feel when they should be made on data.
This engagement builds the financial foundation your business should have had from day one. I construct a custom Excel model covering your P&L, 12-month cash flow forecast, and margin analysis by product, service, or business line — then walk you through every number in plain English.
Clients routinely discover they have been underpricing key services, overlooking profitable segments, or heading toward a cash crunch that was not obvious until we mapped it. This is a living tool you will use every month — not a report that goes in a drawer.
What You Receive
Your Deliverables
📈
Custom Excel Financial Model
Built from scratch for your business — not a generic template. Structured so you can update it monthly without a finance degree.
📉
P&L Analysis
Revenue, COGS, gross margin, operating expenses, and net income — with commentary on what the numbers mean for your specific business.
💵
12-Month Cash Flow Forecast
Forward-looking visibility into where your cash will be month by month. Know your stress points before they become crises.
🔬
Margin Analysis by Line
Profitability broken down by product, service, or business line — so you know what is actually making you money.
📝
Plain-English Summary + 1-Hr Call
No jargon. A written summary of key findings and a walkthrough call where we review every number together.
How It Works
The Four Dimensions
1
Revenue Architecture
Map all revenue streams, pricing structures, and volume by line. Establish what is growing, what is stagnant, and what is dragging the average down.
Revenue Mix · Pricing · Volume Trends
2
Cost Structure Analysis
Fixed vs. variable cost breakdown, COGS by product/service, overhead allocation. Identify where money is leaking and where margins can expand.
COGS · Fixed vs. Variable · Overhead
3
12-Month Cash Flow Model
Build a rolling forecast using your actual revenue patterns and payment terms. Stress-test scenarios to find your risk thresholds.
A/R · A/P · Runway · Seasonality
4
Margin Analysis & Benchmarking
Break out gross and net margin by product or service line. Compare against industry benchmarks to understand where you stand and where opportunity lies.
Gross Margin · Net Margin · Benchmarks
Is This Right for You?
Strong Fit If…
You have more than one product or service and do not know which are most profitable
You have had cash surprises — running low unexpectedly or unsure why cash does not match profit
You are pricing based on gut feel rather than margin analysis
You are preparing to pitch investors, apply for a loan, or bring on a partner
Your CPA gives you tax returns but no forward-looking financial tools
You want to hire, expand, or invest but are not sure the numbers support it
Internal Reference — SOP
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Incorrect access code.
Standard Operating Procedure
Internal use only · Stephen M. Bevilacqua · Belfield Advisory Solutions
Phase 1 · Pre-Engagement
Send engagement confirmation and data request list
Request: last 2–3 years P&L, balance sheet, payroll summary, revenue detail by client or SKU
Request: current pricing sheet, list of products/services, major expense categories
Send intake questionnaire: key financial questions, goals for the model
Schedule kickoff call within 3 days
Phase 2 · Discovery Call (60 min)
Understand how the client currently tracks finances (QuickBooks, spreadsheet, CPA-only?)
Clarify revenue model: how they get paid, cadence, payment terms
Identify the #1 financial question they need answered
Agree on model structure: line items, level of detail, scenarios to model
Phase 3 · Model Build (10–18 hrs)
Import and clean all provided financial data
Build revenue module: by product/service/segment with documented assumptions
Build COGS module: direct costs allocated by revenue stream
Build OpEx module: categorized monthly with fixed/variable flagging
Build P&L summary auto-calculating margins from all modules
Build 12-month cash flow forecast using A/R and A/P timing assumptions
Build margin analysis tab with industry benchmark column
Build scenario toggle: Base / Upside / Downside
QA: verify all formulas, cross-foot totals, test scenario toggles