Capital Advisory
Advisory for owners raising debt, raising equity, or structuring the capital behind the next move.
Schedule a Free Consultation
Capital Raise
%
Success
Optimized debt-to-equity strategies
DCF Valuation Models
Investor-grade valuation frameworks
Due Diligence Readiness
Financial transparency preparation systems
Cap Table
Oversight
Ownership dilution management systems
Recognized by the best
Our Featured Clients
Here are some of the companies who has empowered to forge ahead with confidence
Nancy - Vintage Charm
"We can't speak highly enough about Frak Finance. Their customized CFO services
have transformed the way we manage our retail business. Their team took the time to understand our industry, challenges, and goals, allowing them to provide tailored financial strategies that have significantly improved our profitability. Their insightful analysis of our financial data has given us a competitive edge, and their responsiveness to our needs has made them an integral part of our strategic planning. Working with Tom has been a game-changer for our business."
Mark Oden - BIM Designs
"Frak Finance has worked with BIM Designs, Inc. from June 2022... as a Fractional CFO.
During this time, Tom brought his extensive financial and people management expertise to support rebuilding our finance organization from the ground up while the firm transitioned out of a startup mindset and into a mature organization. Tom would excel in an organization where leaders hold themselves accountable and own true to their commitments, needs are explored and clearly stated, and collaboration is considered paramount."
Dhruv Singh - Aktivate
“I recommend Frak Finance for any early-stage, high-growth company that needs a smart,
reliable team who has done it before and can get things done well and quickly, all with a smile on their face. Tom sees the big picture as a founder/investor himself. He can also understand the details quickly as a prior operator. I personally threw Tom in the deep end to build our financial model prior to our 10MM+ raise with little guidance on the eve of a holiday weekend (it was a pre-emptive opportunity). Tom delivered in the face of this aggressive deadline with a smile on his face.”
Jeff August - August Medical
“What Frak Finance has really done for me is give me time back to spend with my family
and clarity around how my business is really performing. They cleaned up our books, built a proper chart of accounts, and completely changed the conversation with my accountant by providing structured, reliable books. Even when things feel messy on my end, I know the financial foundation is solid — and that’s been huge.”
Adam Elias - WhirlyBall
“I needed a solution that was cost effective but high quality and high caliber.
So that's where Frack comes into mind because... Level of attention and care and transparency. They take care of what your needs are and they tailor it exactly to what your business requires. You're not just hiring Frack, you're hiring an entire team of experts and you're not just getting this one individual on your team, you're getting our entire network."
The Capital Decision
Looking For Someone Who Reads Capital The Way You Need?
Growth requires more than access to capital, it requires the right financial strategy behind it. Frak Finance helps businesses prepare for financing, improve lender and investor readiness, and structure capital decisions around cash flow, scalability, and long-term business objectives.
Sell-Side Trained
Capital Markets Expert
Your Side Always
For founders, owners, & sponsors who want capital read before it closes.
Capital and debt advisory services delivered by an advisor who has sat in the seat.
1
%
Stronger borrowing capacity through optimized debt-to-equity strategies
1
%
Clearer investor presentations using institutional-grade financial narrative development
1
+
Acquisition financings supported across private equity and SBA transactions
1
%
Lower refinancing exposure through strategic interest structure optimization
How A Capital Raise Runs With Frak
Four phases. Senior operator on every one. Built to close on the right terms.
Reading What The Move Needs
Every capital decision starts with the business case. Use of proceeds, timing, what the balance sheet can carry, and which structure actually fits the move ahead.
Building What Capital Sees
The model, the deck, the data room, the narrative. Built to the standard institutional capital reads at first sight. Outreach begins when the work is ready.
Running The Outreach For You
Lender and investor conversations run from your seat. Term sheets received, compared, and marked. The negotiation happens with the structure in front of you.
Staying Through The Close
Diligence supported. Definitive documents reviewed. The capital stack closes and the business carries the right structure into the next chapter.
What Gets Built Before Capital Sees You
Every engagement ships the package institutional capital expects to see. Owner-readable. Lender-defensible. Investor-credible. Built before the first call.
1
The Capital Read
Which structure fits the business and the move, mapped against the balance sheet and the timing.
3
The Term Sheet Workup
Every clause read, compared against market, and marked. Negotiation runs on substance and timing.
2
The Capital Package
Model, deck, narrative, and data room built to what institutional capital reads at first sight.
4
The Close Itself
Diligence supported. Definitive documents reviewed. The stack closes clean and ready to deploy.
Case Studies
Our Featured Projects
Real capital outcomes from real engagements.
INDUSTRIES WE SERVE
Partnering with Businesses Across Every Sector
Creating distinct capital structures, lender expectations, and investor criteria for each industry.
Private Capital Advisory That Protects Value and Control
About Frak Finance
We’re Operators Turned CFOs Who Get What You’re Building
With over 20 years of experience, we’re the CFOs who’ve actually built, scaled, bought & sold businesses. Now we guide yours.
We are Always Dedicated to our Work
Are Leading Consultants that you can Trust
“Before you take on capital, ask one question: is this for growth or survival? The answer changes the structure, the terms, and the entire strategy.”
— Tom Dillon, CFA
Founder, Frak Finance
You’re Not Hiring a Modeler
When Your
Capital Advisory
Comes from Frak
We don’t raise your capital for you. We make your business investable and prepare the materials that close the deal.
Approaching a Capital Event
Preparing for a raise, lending deal, or transaction? We build accurate financial materials fast, backed by real execution experience.
SMB Finance Advisory
Built for businesses earning $1M–$50M that need institutional-level capital guidance without adding full-time finance overhead.
Fundraising for Startup or Growth
Investor models, cap tables, and projections designed for startup and growth-stage companies facing serious diligence scrutiny.
Debt vs Equity Clarity
We model debt and equity paths side by side, helping you make capital decisions with structure, clarity, and confidence.
Scaling, Acquiring, or Preparing to Sell? Let’s Talk.
Run Your Business on Numbers You Can Trust.
Looking to have a real conversation about your numbers? Book a call today to discuss the gaps standing between you and your goals.
A Strategy Call With Senior Leadership
Honest Read Of Where You Stand Financially
Clear Next Steps, Scoped To Your Situation
Call Us Support 24/7: (312) 685-1627
Call Us Support 24/7: (312) 685-1627
View All Consulting Office Locations
View All Consulting Office Locations
Schedule a Free Consultation
Frequently Asked Questions
The most common questions founders ask before engaging a private capital advisory service.
Do you actually raise the capital, or just prepare the materials?
We prepare your business to raise capital building the financial models, projections, cap table structures, and lender or investor packages that make the raise possible. We facilitate introductions where appropriate and support the diligence process throughout. For larger transactions requiring a licensed placement agent or investment banker, we coordinate with your legal and advisory team to ensure the financial foundation is bulletproof.
How do I know if I need debt or equity?
It depends on your cash flow, your growth trajectory, your willingness to dilute ownership, and the specific use of the capital. Debt makes sense when cash flow supports the service payments and you want to preserve ownership. Equity makes sense when you’re pre-profitability, need flexible capital, or the growth opportunity justifies the dilution. We model both scenarios and help you make the decision from a position of clarity, not urgency.
What if I’m not sure I’m ready to raise yet?
That’s one of the most common positions we see. Most founders who come to us know they need capital at some point but aren’t sure if the business is ready. We start with a readiness assessment: are your books clean, is your financial story coherent, do you have the projections that lenders and investors require? If not, we build the infrastructure first. If you are ready, we accelerate the package.
What does capital advisory pricing look like?
Pricing depends on the complexity of the engagement whether it’s a single lender package or a full equity raise preparation with cap table modeling and investor materials. We’ll scope the engagement on the fit call. Some capital advisory work is project-based; ongoing support is structured as a monthly retainer. No rigid packages. No surprises.
Blogs & Insights
Capital strategy thinking for founders who want clarity before they raise.
27
Mar
What Happens When You Don’t Plan Your Exit Until It’s Too Late
Owners who wait until they're "ready to sell" are already too late. Owner dependency, untransferable…
23
Apr
Your Revenue Is Growing. So Why Are You Always Broke?
Revenue growth and cash flow are not the same thing. Stretched receivables, inventory bloat, and…
27
Mar
Quality of Earnings Report: Why Every SMB Buyer & Seller Needs One
The P&L tells you what was reported. The QoE tells you what the business actually…
27
Mar
The Financial Roadmap Every SMB Owner Should Be Following Right Now
A clean exit doesn't happen at the negotiation table. It happens in the five years…
27
Mar
Why Your CPA Can’t Help You Sell Your Business
Your CPA files clean returns. They don't normalize EBITDA, manage diligence, or prepare buyer-ready financials.…
— BUILT TO EXIT —
Monthly Finance Briefings to Grow, Acquire, or Exit Your Business
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Finance and accounting leadership for privately held businesses at every stage. Ready to see what the right financial partner changes? Get in touch with Frak Finance today.