You sell more and more but have no cash
Growth without profitability is the quiet way to go bust. We identify leaks: weak margin, slow AR, dead inventory, runaway costs, mispriced products.
Financial advisory
Financial advisor for SMBs and companies in Guatemala
We turn your accounting into decisions: projected cash flow, annual budget, profitability analysis by line/product/customer, management KPIs and investment evaluation. Function as a fractional CFO: we attend board meetings, bank and investor negotiations.
Useful when
Common symptoms.
No visibility on upcoming cash
You operate month by month without knowing if you'll make payroll, loans, vendors or next-quarter taxes. We set up 13-week rolling cash flow with traffic lights — you know today if you'll be red in 8 weeks.
Bank asks for projections
Defensible projections: explicit assumptions, base/optimistic/pessimistic scenarios, credit-committee packet. We present with you to the bank.
Acquisition, space, equipment or hiring decision
Financial evaluation with IRR, payback, sensitivity. We tell you if the investment pays back, in how long, and the financial risks.
Scope
What we deliver.
- Initial financial diagnosis: cost structure, margins, liquidity, leverage
- Projected cash flow (12-month monthly + 13-week weekly)
- Annual budget by month, area or cost center
- Management dashboard with KPIs updated monthly
- Profitability analysis by product, line, customer or channel
- Break-even and installed-capacity analysis
- Investment evaluation (IRR, NPV, payback, sensitivity)
- Financial models for bank or investor pitch book
- Banking review and renegotiation
- Working capital and cash conversion cycle analysis
- Preliminary valuations (multiples, DCF) for sale or merger
- Participation in board or executive committee meetings
Not included
For clarity.
- Operational bookkeeping (under Accounting & SAT)
- External audit (under Financial Audit)
- Daily treasury operations (receipts, payments, daily reconciliations)
- Forensic valuations or expert reports for litigation
How we start
From scattered data to decisions.
-
01
Diagnosis session
Deep session to understand business model, cost structure and pending decisions.
Week 1 -
02
Build the base
Financial model with historical data. Identify pain points and opportunities.
Weeks 1–3 -
03
Initial deliverables
Cash flow, base budget, KPI dashboard and management report with 5–8 prioritized decisions.
Week 4 -
04
Monthly operation
Dashboard update, 60-minute review meeting, early alerts.
Monthly
Models
Advisory plans.
Adapted to need: one-time implementation, monthly support or fractional CFO.
Initial financial diagnosis
from Q7,500
Base analysis + management report + recommendations.
Model implementation
from Q12,000
Cash flow + budget + KPI dashboard ready to operate.
Monthly support
from Q3,500/mo
Update, meeting, alerts. 6-month minimum.
Fractional CFO
from Q9,500/mo
Partial CFO role: board, banks, investors, team.
Specific project
quote
DD, valuation, banking negotiation, M&A.
Fees exclude software tools if the company lacks ERP/BI.
FAQ
SMB financial advisory.
Advisor vs accountant?
Accountant records and reports the past, complying with norms and SAT. Financial advisor uses that info to look ahead: project cash, decide investments, measure profitability, negotiate with banks. Complementary roles.
What is a fractional CFO and when do I need one?
A part-time senior financial executive, hourly/monthly instead of full-time. Ideal for SMBs who can't (or don't need) a full-time CFO but need strategic role at board, fundraising, banking and shareholder reporting.
Can I measure profitability by product line?
Yes, with analytical accounting and cost allocation. One of the first things we implement: most Guatemalan SMBs discover one or two products subsidize the rest. Decisions on price, mix and discontinuation follow.
What is a 13-week rolling cash flow?
Weekly projection of receipts and disbursements 13 weeks ahead, updated weekly (add new week, drop past). Most effective tool to anticipate liquidity issues with time to act — widely used in mid-sized and restructuring.
How to negotiate better bank conditions?
Arrive with a professional packet: defensible projections, explained indicators, use-of-funds plan, sensitivity scenarios. Banks treat you differently with rigor vs improvisation. We prep the packet and attend the meeting.
Which indicators to review monthly?
Depends on model, but typically: gross margin, operating margin, EBITDA, inventory turns, DSO, DPO, DIO, current ratio, leverage, ROA, ROE. We tailor 8–12 relevant KPIs.
Can you help me sell the company?
Yes. We advise on sale-readiness (financial grooming), preliminary valuations, buyer identification, seller-side DD, negotiation. Legal SPA execution coordinated with Legal Services.
Combines with
Adjacent services.
Accounting & SAT
Data foundation for financial analysis.
Learn moreFinancial audit
Audited statements give projections credibility.
Learn moreAdministrative advisory
Processes and controls to implement decisions.
Learn moreCompany formation
Good structure reduces future friction.
Learn moreCommercial contracts
Contracts reflecting agreed financial terms.
Learn more