Business Financial Consultant in Denver, CO
CFO-level thinking for growing Colorado companies — without a full-time CFO salary. Know your numbers, see cash problems coming, and walk into the bank prepared.
Financial Leadership, When You Need It
Start with a single project or bring us in as your part-time finance team.
Fees are quoted in writing after a free consultation. No hourly billing surprises.
Former CFOs, Working For You Part-Time
Pennacott is four senior finance leaders who have run the numbers inside growing Colorado companies — manufacturing, healthcare, outdoor brands and professional services. We started the firm because businesses between $2 and $40 million in revenue need CFO judgment long before they can justify a CFO's salary.
We work alongside your bookkeeper and your tax accountant, not instead of them. They keep the books and file the returns; we turn those numbers into decisions.
- Controllersand CFOs, not junior analysts
- Alongsideyour bookkeeper and tax accountant
- Monthlyengagements, no long contract
Signs You've Outgrown Your Bookkeeper Alone
Profitable, but always short of cash
The P&L says you made money. The bank account disagrees, especially around payroll.
You're about to borrow or raise money
A lender or investor will ask for projections and clean reporting you don't have yet.
You don't know which work makes money
Some customers, locations or products are losing money. You just can't see which.
Decisions wait for year-end
You find out how last year went in April. That's too late to change anything.
Bring Your Last Two Years Of Numbers
We'll tell you what they say about your business, and what we'd look at first. No charge, no obligation.
What Changes In The First Quarter
Month One — A Clear Picture
We clean up the chart of accounts, set a monthly close and deliver your first one-page dashboard.
Month Two — Cash You Can See
A rolling 13-week cash forecast goes live, with the three decisions it tells you to make now.
Month Three — A Plan To Grow
A budget and forecast for the next twelve months, and a quarterly rhythm to keep them honest.
A Simple Start
Consultation
A free 45-minute conversation about your business and your goals.
Financial Review
We review two years of financials and your current reporting.
Written Proposal
A fixed scope and fee, delivered within a week.
Monthly Rhythm
Close, dashboard and a leadership review, every month.
Walk Into The Bank Prepared
Lenders and investors decide quickly, and they decide on the quality of your numbers as much as the numbers themselves. We build the financial statements, projections and story they expect to see — and we'll sit in on the meeting if you want us there.
Clients have used our lender packages for equipment loans, SBA loans, lines of credit and outside investment.
- ✓Three-year projections with clear assumptions
- ✓Debt-service and covenant modeling
- ✓A lender-ready package in four to six weeks
From The Owners We Work With
For years I ran a $9 million business off the bank balance. Pennacott gave us a 13-week cash forecast and a monthly board pack, and for the first time I can see a cash crunch coming two months out.
They got our numbers lender-ready in six weeks. The bank approved our expansion loan on the first submission, and the credit officer said our package was the cleanest he'd seen all year.
A part-time CFO who actually knows our business. We get the strategic thinking of a full-time hire at about a quarter of the cost.
Companies Between $2M And $40M
Founder-Led Businesses
Growing fast and making big decisions on instinct, with the numbers catching up afterward.
Multi-Location Operators
Dental groups, restaurants and clinics that need to see profit by location.
Product & Manufacturing
Inventory, margins and working capital that tie up more cash every year.
Frequently Asked Questions
How is this different from my bookkeeper or tax accountant?
Your bookkeeper records what happened and your tax accountant files your returns. We use those numbers to plan what happens next: cash forecasts, budgets, pricing and financing. We work alongside both of them.
What does a fractional CFO cost?
Most clients spend $3,500 to $8,000 a month depending on how many days they need — a fraction of a full-time CFO's salary and benefits. Every engagement has a written scope and a fixed monthly fee.
Do you manage investments or personal finances?
No. We work only on your business's finances. For personal financial planning or investments, talk to a licensed financial advisor.
Do you only work with Denver companies?
Most of our clients are along the Front Range, from Fort Collins to Colorado Springs, and we meet in person monthly. We also work with companies across the Mountain West remotely.
What size of business do you work with?
Typically companies with $2 million to $40 million in revenue. Smaller businesses often start with a single cash-flow or lending project.
Is our information kept confidential?
Yes. We sign a confidentiality agreement before reviewing any financials, and access to your systems is read-only unless you decide otherwise.
See Your Business Through A CFO's Eyes
A free 45-minute consultation. Bring your questions and your last two years of numbers.
Schedule A Consultation
Tell us a little about your business. A senior consultant will reply within one business day.