For small businesses doing $250K–$10M
Your P&L says you're profitable.
Your bank account disagrees.
A bookkeeper, analyst, and strategist. One team that tells you where your money goes and what to do about it.
One team. One price. Full clarity by month two.
Can we afford the new hire this quarter?
Based on your projection, yes. Wait until after the April tax payment clears. I'll send the numbers.
Same-day answers via Slack
Monthly Financial Briefing
Acme Services · March 2026
Recommendation
Review Q2 pricing: margins compressed 2.3 points since January. Consider 5-8% rate increase on new contracts.
Our average client sees 5x+ ROI within 90 days. $1,200/mo
Built for service businesses, professional practices, and agencies doing $250K-$10M in revenue
Average revenue lost to cash flow blind spots
Intuit/Wakefield Research, 3,000 firms
Median small business cash buffer. 1 in 4 hold less than two weeks.
JPMorgan Chase Institute, 597K firms
of small business owners have skipped their own paycheck to cover cash flow gaps
QuickBooks/Intuit
These aren't someone else's numbers. This is your Tuesday night, staring at the bank balance, wondering where the money went.
You have numbers. You don't have answers.
Your bookkeeper gives you a rearview mirror. Nobody is giving you a GPS.
See how Fulcrum changes this →Without Fulcrum
- "Revenue is up 40% and I still can't pay bills." The cash flow paradox nobody explains.
- You're making hiring, pricing, and spending decisions on gut feel because nobody translates the numbers into answers.
- Tax season produces gut-punch surprises. Payroll weeks produce 3am anxiety. The question that never goes away: can I actually pay everyone this month?
- You know something is missing. You've been told you need a CFO but can't justify a $200K+ hire.
With Fulcrum
- You know exactly where your money went and what to do about it. Every month, in plain language.
- You see cash problems 8 weeks before they hit, with a 13-week rolling forecast updated weekly.
- You find out where expenses are creeping before they eat your margin.
- You get a clear list of what to do next, not just numbers to stare at. Plus same-day answers via your dedicated Slack channel.
Real results
What changes in the first 90 days
7-clinician healthcare practice
The owner knew margins were shrinking but couldn't pinpoint why.
Challenge
Provider compensation consuming 51% of revenue against a 35-40% industry benchmark. Nobody had flagged it. Revenue was growing but margins were shrinking.
What we did
Built a compensation benchmarking model, identified the structural gap, and created a phased restructuring plan.
Result
$77K/year in savings and opportunities identified within 90 days. Annual membership cost: $14,400. That's a 5.3x return from a single finding.
12-person professional services firm
Challenge
Seasonal revenue creating cash position swings of 40%+ with no advance warning. The owner was making hiring decisions without knowing if cash would be there in 8 weeks.
What we did
Implemented a 13-week rolling cash flow projection with weekly updates.
Result
$45K cash shortfall identified 8 weeks before it hit. Client secured a credit line on their terms, not the bank's.
Media production agency
The founders knew they needed to change how the business operated, but didn't have the data to know where to start.
Challenge
Founders were spending nearly all their time in fulfillment and delivery. Revenue had plateaued because nobody was focused on sales, strategy, or growth.
What we did
Identified the staffing bottleneck. Helped hire an international team member to handle fulfillment. Built a metrics framework tracking leads, close rates, and pipeline health.
Result
$108K/year in additional profit. Founder freed from delivery to focus on sales and growth. 7.5x return on membership.
"I was spending all my time in fulfillment and had zero bandwidth for sales. Fulcrum didn't just give me a report. They helped us make the right hire, built a framework that showed exactly how many leads we needed to hit our targets, and now we have an actual growth plan instead of just hoping things work out. For the first time, I can see the path forward and I have the numbers to back every decision."
Chris Sterrett · Founder, The Good Podcast Co.
Revenue is up 40%. The bank account says otherwise.
Every owner who has lived this knows the feeling. It's not a revenue problem. It's a visibility problem.
That's what happens when nobody translates the numbers into answers. Fulcrum gives you a complete finance team so you stop guessing and start knowing.
How it works
From first call to full financial clarity in 6 weeks. We onboard 3-4 new clients per month to ensure every business gets the attention it deserves.
Your total time investment: about 3 hours
Book a call
30 minutes to talk about where you are, where you want to go, and whether Fulcrum is the right fit.
Day 1
We build your system
We get your books current, configure your KPIs, and build your reporting framework. Most of the work is on our side.
Weeks 1-4
You start making better decisions
Your first report lands. It tells you what happened, why it matters, and what to do about it. Every month, from that point forward.
By week 6: full clarity
Most calls take 30 minutes. No pitch deck.
90-day guarantee
Zero risk to start.
If we don't identify at least your first month's fee in savings or opportunities within 90 days, we refund every dollar. No caveats, no conditions. The guarantee exists because it has never been triggered.
Our offerings
Your finance team, plus more when you need it
Financial clarity as the foundation, with talent and strategic direction when you need it.
Financial Intelligence
A bookkeeper, analyst, and strategist working for your business. Your books stay current, you see problems before they hit, and every month you get a clear plan for what to do next.
$1,200/mo
Add bookkeeping starting at $300/mo
Your membership includes
- 6-page monthly financial briefing with written recommendations
- 13-week cash flow projection, updated weekly
- Weekly budget vs. actual variance analysis
- Custom KPIs for your industry and business model
- Same-day answers via your dedicated Slack channel
- Vendor network access + preferred recruiting rates
- Monthly walkthrough call
Global Recruiting
Full-time professionals sourced globally at 50-70% less than local hires. Dedicated team members who work exclusively for you.
- 90-day replacement guarantee
- Members save up to 50% on placement fees
Vendor Network
Pre-vetted, pre-negotiated specialists. CPAs, attorneys, marketing, web development, CRM, automation, and more.
- Member rates typically 10-20% below standard
- Included with every membership
Strategic Consulting
Limited-capacity fractional COO/CFO partnership. 90-day roadmap, weekly accountability syncs, and execution support.
- $3,500-$7,500/mo
- FI members get priority waitlist access
Free tool
Get your free Financial Clarity Assessment
We pull your last 3 months of data, compare your margins and expense ratios to industry benchmarks, and identify the top 2-3 findings. Most businesses have at least $15K-$50K in savings and missed opportunities hiding in their numbers. You get a one-page summary on a 20-minute call.
A real look at your numbers. No pitch, no pressure.
Get Your Free AssessmentShare read-only QBO access (5 minutes)
We analyze your data against benchmarks
You get a clear summary of what we found
Common questions
Most business owners who find us are asking themselves these exact questions.
Because profit and cash are two different things. Your P&L shows revenue minus expenses on an accrual or timing basis. But if your receivables are at 45 days, your rent is due now, and you just made a tax payment, you can be profitable and still not have money in the bank. That gap between accounting profit and actual cash is the #1 reason business owners feel like something is wrong. A 13-week cash flow projection solves this by showing you exactly where the money is going and when.
Bookkeeping records what happened. Financial Intelligence tells you what it means and what to do about it. You get clean books plus a monthly briefing with KPIs, cash flow projections, variance analysis, and a written action plan. One is a record. The other is a decision-making tool.
A fractional CFO gives you a few hours a month of strategic advice, but you still need someone to do the books and build the reports. Fulcrum gives you the full stack: bookkeeper, analyst, and strategist. The bookkeeping, the reporting, the analysis, and the recommendations are all handled. You get the output of a CFO without needing to hire one. And at $1,200/mo, it costs a fraction of what a fractional CFO charges ($3,000-$10,000/mo).
Service businesses, professional practices, agencies, and SMBs doing $250K to $10M in revenue. We use QuickBooks Online and do cash-basis accounting. Our current clients span healthcare, events, logistics, music licensing, and media.
No. If you already have a bookkeeper you're happy with, the Financial Intelligence membership starts at $1,200/mo and works alongside your existing setup. We just need clean, timely books to build the analysis on top of.
$1,200/mo for the Financial Intelligence membership. Bring your own bookkeeper, or add bookkeeping starting at $300/mo. 3-month minimum, then month-to-month. 90-day money-back guarantee.
Ready to get started?
Book a Call