Diagnose
Understand what is broken, what matters, and what to fix first.
Services
Financial services for businesses beyond bookkeeping.
Choose the right path: diagnose the finance gaps, clarify cash, build forecasts, connect dashboards, prepare decision-ready materials, or establish ongoing CFO support.
Service architecture
A clear path from messy finance to decision-ready leadership.
The service portfolio is organized around the same method used across the firm: diagnose the gaps, clean the financial foundation, clarify cash and forecasts, connect the systems that hold the data, prepare decision-ready materials, and maintain the reporting cadence.
Clean
Improve books, reporting structure, workflows, and source-data reliability.
Clarify
Build cash visibility, forecasts, dashboards, and practical management views.
Decide
Prepare reports, models, and packs that support management and external scrutiny.
Not sure where to start? The CCDR Finance Review identifies the best next step.
Flagship offer
Financial Operating System Setup
For growing businesses that need more than bookkeeping but do not yet need a full-time CFO.
This setup creates one practical finance layer across cash, obligations, forecasts, dashboards, reporting, and decision cadence.
Build My Financial Operating System- Current-state finance map
- Cash and obligations view
- 13-week cash forecast
- 3 / 6 / 12-month forecast logic
- Owner and operator dashboards
- Management reporting pack
- Exception indicators
- Workflow and reporting recommendations
Diagnostic
CCDR Finance Review
A senior review of your books, cash visibility, forecasts, dashboards, reporting structure, and decision-readiness. You receive a practical gap map and a prioritized roadmap for what to fix first.
Book a CCDR Finance ReviewCore implementation offers
Focused builds for cash, forecasts, reporting, and dashboards.
Clear
Cash Clarity Sprint
Know where cash stands, what is committed, what is coming, and which near-term decisions need attention.
- Cash map
- Obligations
- Pressure points
Clear
13-Week Cash Forecast Build
Create a practical weekly forecast for cash inflows, outflows, payroll, taxes, debt, vendors, and liquidity pressure.
- Weekly forecast
- Scenario cases
- Review cadence
Decision-Ready
Decision-Ready Reporting Pack
Build a concise reporting pack for management, owners, lenders, investors, or board-level review.
- KPI review
- Forecast outlook
- Decision agenda
Connected Data Layer
Connected Dashboard Build
Connect finance and operating data into dashboard views that reduce manual reporting and improve visibility.
- Source mapping
- Dashboard views
- Validation checks
Industry-Focused Finance
Financial operating systems for businesses with specific operating economics.
Fleet-reliant businesses
Finance for Fleet-Reliant Businesses
Connect vehicles, routes, jobs and operating costs to cash, margin, replacement and financing decisions.
For transportation, delivery, field-service, construction, distribution and other vehicle-intensive businesses.
Explore Fleet-Focused FinanceDecision-Ready Finance
Business Financing Readiness & Lender Support
A lender rarely makes a credit decision from one spreadsheet or a set of year-end accounts. It needs reliable financial evidence, a defensible forecast, clear explanations of business performance, covenant visibility, ownership documentation and confidence that management can meet ongoing reporting obligations.
Alex Financial helps SME owners turn fragmented financial data and expanding lender requests into a coherent, explainable and credit-ready financing package.
From the first document request through term-sheet review, credit approval and closing readiness, the objective is to make the business easier for a lender to understand, assess and support.
Who this is for
- Applying for a term loan, line of credit, asset-backed facility or growth financing
- Refinancing an existing facility
- Preparing for lender or investor due diligence
- Managing multiple operating or holding entities
- Being asked for standalone and consolidated financial statements
- Required to demonstrate recurring revenue, working-capital quality or borrowing-base eligibility
- Facing covenant, guarantee, security or post-closing reporting requirements
- Receiving extensive lender requests that are difficult to coordinate internally
Clean the Financing Evidence
Organize what the lender needs to verify
Build a controlled financing data room covering ownership, corporate documents, historical financials, tax records, bank evidence, personal financial information and other due-diligence requirements.
Typical outputs
- Lender requirement tracker
- Ownership and corporate-structure support
- Standalone and combined financial statements
- Tax, banking and KYC document checklist
- Personal financial statement and net-worth support
- Guarantee and security-document readiness
Build the Credit Story
Explain performance, cash flow and repayment capacity
Translate accounting data into lender-oriented financial analysis, management commentary and a forward-looking model that explains how the business performs and how the proposed facility will be used and repaid.
Typical outputs
- Current-year and prior-period analysis
- Revenue, gross profit, EBITDA and margin commentary
- Cash-flow and profitability bridge
- Integrated income statement, balance sheet and cash-flow forecast
- Capital expenditure and financing assumptions
- Base, downside and sensitivity scenarios
Support Lender Testing
Make covenants, working capital and recurring revenue traceable
Build the schedules and supporting analysis behind the lender’s credit structure — not just the headline financial statements.
Typical outputs
- Covenant calculations and headroom analysis
- Leverage, tangible-net-worth and current-ratio support
- AR and AP ageing
- DSO and cash-collection analysis
- Inventory and borrowing-base support
- MRR and ARR classification
- Churn, upsell and recurring-revenue movement
- Revenue traceability to invoices, customers and products
Navigate Terms and Closing
Understand what the financing commits the business to
Review the commercial and financial implications of the proposed facility and coordinate the requirements that must be satisfied before funding.
Typical outputs
- Initial and revised term-sheet comparison
- Borrowing-base and facility-structure review
- Covenant and negative-covenant implications
- Guarantee and security requirements
- Related-party subordination considerations
- Insurance and landlord-document checklist
- Account-opening and transition plan
- Legal-closing requirements tracker
- Post-close reporting calendar
Diagnose
Map the business structure, lender request list, financial systems, historical information and proposed financing need.
Structure
Create the data room, reporting structure, financial schedules and ownership evidence required for lender review.
Build and Explain
Develop the forecast, covenant analysis, borrowing-base support, management commentary and decision-ready financing pack.
Close and Maintain
Support term-sheet evaluation, closing-readiness coordination and the recurring reporting cadence required after funding.
Credit perspective
Finance support informed by both sides of the credit decision
Alex Financial combines hands-on CFO and FP&A work with extensive corporate-lending and credit-risk experience. That means the financing package is approached not only from the borrower’s perspective, but also from the perspective of the people assessing repayment capacity, structure, downside risk and covenant protection.
See how lender-ready finance support helped a multi-entity business secure a $3M loanFinancing readiness
Preparing for a lender conversation?
Let’s identify what the lender is likely to request, what is currently missing and how to turn your financial information into a credible financing package.
Financing approval remains the independent decision of the lender and depends on the borrower’s financial position, credit profile, collateral, market conditions and other factors. Alex Financial provides financial preparation, analysis and decision-support services and does not guarantee financing approval or replace legal, tax, insurance or lender counsel.
Ongoing advisory
Fractional CFO support for the operating rhythm.
After the setup, Alex Financial can support the monthly or weekly rhythm: cash review, forecast updates, KPI reporting, lender or investor materials, pricing analysis, controls, and decision support.
- Monthly CFO advisory
- Cash and forecast review
- Management reporting pack
- Budget and variance analysis
- Lender, investor, or board support
- Finance process improvements
Specialist projects
Targeted finance work when a specific decision is ahead.
Clean
Finance Cleanup & Bookkeeping Review
Review books, source data, workflows, and reporting gaps before building forecasts or dashboards.
Clean
Chart of Accounts & Reporting Structure Cleanup
Restructure accounts and reporting logic around how the business is actually managed.
Decision-Ready
Lender-Ready Model Pack
Prepare projections, debt service views, covenants, assumptions, and sensitivities for lender questions.
Decision-Ready
Due Diligence Red Flag Review
Surface financial risks, working capital issues, obligations, and unusual patterns before a major decision.
Connected Data Layer
Exception Reporting & Early Warning Systems
Create early-warning views for cash pressure, overdue receivables, margin movement, missing data, and forecast variance.
Clear
FP&A, Budgeting & Rolling Forecasts
Build budgets, rolling forecasts, scenarios, and variance views tied to cash, margin, and decisions.
Not sure where to start?
The right service depends on your finance reality.
If you are unsure whether the next step is cleanup, forecasting, dashboards, lender materials, or ongoing CFO support, start with a structured review.
Book a Financial Clarity Call