Cash Flow Management
Get cash visibility you can actually run the business on. At Frak Finance, we keep your business solvent and scaling.
Schedule a Free Consultation
Treasury Payment
%
Compliance
Built for secure disbursements
13-Week Cash Flow Models
Short-term liquidity planning systems
DSO Reduction Strategies
Accelerating customer payment cycles
Burn Rate Monitoring
Startup runway planning controls
Recognized by the best
Our Featured Clients
What leadership teams say about working with Frak Finance.
Nancy - Ecommerce Brand
"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."
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."
D. Singh - Scholastic Sports
“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.”
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 - Social Entertainment
“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."
Cash You Can Plan On
A 13 Week Cash Flow Model for Payroll, Payables, & Real Planning
A real cash flow management service shows you what’s coming in, what’s going out, and what’s left, thirteen weeks ahead of every decision. At Frak Finance, we build the model that puts that picture in front of you every Monday.
Scenario Models
Cash Runway Projections
Seasonal Cash Planning
Outsource Cash Flow Management Services Without Losing Financial Control
Here’s how your 13 week cash flow model gets built:
1
%
Faster AR processing through automated invoicing & payment workflows
1
%
Improved liquidity planning using rolling short-term forecasting models
1
%
Trust account oversight supporting fiduciary cash management compliance
1
%
Reduced payment fraud exposure through internal financial control systems
A Smarter Way to Manage Cash Flow Without Stretching Your Team
Business Cash Flow Management Services for Owners Who Need the Full Picture
Revenue-Positive,
Your P&L looks healthy but your bank account doesn’t agree. You need someone who can trace the disconnect between profit and cash, usually hiding in working capital, payment timing, or growth investments. If revenue is growing but liquidity isn’t, that’s exactly the problem we solve.
$1M–$50M
Our clients range from early-stage to mid-market businesses with complex multi-entity structures and seasonal volatility. Whether you need a foundational 13-week model or advanced scenario planning for a capital raise, the service scales to your stage.
Seasonal or Cyclical Businesses
Construction, retail, professional services, ecommerce, if your business has months where cash gets tight every single year, you don’t need to just survive those periods. You need to plan for them. We’ve built cash models for every seasonal pattern there is.
Approaching a Capital Event
If you’re raising debt or equity, pursuing a line of credit, or preparing for a sale, your cash flow forecast is the first thing a lender or buyer examines. We build the projections, stress-test the scenarios, and deliver the financial package that makes your capital story credible.
Professional Services Cash Flow Management
for Firms With Moving Targets
We help you track cash coming in, cash going out, payment timing, payroll needs, vendor obligations, and upcoming shortfalls.
1
13 Week Cash Flow Model
A rolling weekly view of cash in, cash out, and runway. Refreshed every Monday, variance flagged.
3
Customer & Vendor Risk
Concentration, payment behavior, and the accounts that are quietly shaping your cash position.
2
Working Capital Dashboard
Days sales outstanding, days payable outstanding, the cycle in motion, and where capital is tied up.
4
Covenant Reporting Pack
Ratios, headroom, and commentary the lender expects. Ready to send to capital without rework.
Case Studies
Our Featured Projects
Real cash flow results from real engagements.
Plan Before Cash Gets Tight With Our Business Cash Flow Management Services
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 debt, ask one question: are you leveraging it for growth or for survival? That distinction changes everything.”
— Tom Dillon, CFA
Founder, Frak Finance
Plan Around What Is Coming
Get Ahead of Payroll, Payables, and Slow Receivables
We help you see what cash is coming in, what is going out, and where pressure may build over the next 13 weeks, so you can make better decisions before problems become urgent.
Working Capital
The work runs through accounting leads who would otherwise be doing controller work. No junior pass-through, no data-entry offshore.
Covenant Readiness
Done in the system you already use. QuickBooks, Xero, NetSuite. No platform change, no migration, no new login for your team.
Risk Visibility
The function runs on a team. The books don't go quiet when one person takes a week off or moves on to another seat.
Outsourced Finance
Bookkeeping done at a standard that supports what's coming next. Controller work, audit, transactions, and senior reporting on top.
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 business owners ask before outsourcing their cash flow management.
What exactly is a 13-week cash flow model?
It’s a rolling, week-by-week projection of every cash inflow and outflow for the next 13 weeks. Unlike a P&L, which shows profit, a 13-week model shows actual cash movement when money arrives, when it leaves, and where gaps appear. It’s updated weekly as actuals replace projections, so it stays live and accurate. This is the standard tool lenders, investors, and boards use to evaluate cash health and it’s the most practical forecasting tool for any business managing real cash pressure.
How is this different from what my bookkeeper already does?
Your bookkeeper records transactions and closes the books. That tells you what happened. Cash flow management tells you what’s about to happen and what to do about it. We build forecasting models, working capital analysis, scenario planning, and cash controls that go well beyond the accounting close. Think of it this way: bookkeeping is the rearview mirror. Cash flow management is the windshield. Both are essential, but only one tells you where you’re going.
Can you help during a cash crisis or just for ongoing management?
Both. We’ve stepped into active cash crunches, seasonal downturns, lost clients, unexpected expenses and delivered near-daily cash monitoring to navigate through them. We’ve also built steady-state cash management systems for businesses that simply want better visibility and forward planning. The 13-week model works in both modes: crisis triage and proactive control.
What does pricing look like for cash flow management services?
It depends on the complexity of your cash structure, number of entities, revenue streams, seasonal patterns, and how often you need reporting. Engagements can start as focused as building a single 13-week model and scale into ongoing weekly monitoring with scenario analysis. We’ll scope it on the fit call. No rigid packages. No surprises.
Blogs & Insights
Cash flow thinking for founders who need answers.
13
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
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
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…
10
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…
23
Aug
Bookkeeper vs Controller vs CFO, and Which One Your Revenue Actually Calls For
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.…
07
Aug
Why Profitable Businesses Run Out of Cash
A clean exit doesn't happen at the negotiation table. It happens in the five years…
05
Aug
The 13-Week Cash Flow Forecast and Who Needs One
A clean exit doesn't happen at the negotiation table. It happens in the five years…
27
Aug
Surviving a Quality of Earnings Review
A clean exit doesn't happen at the negotiation table. It happens in the five years…
— BUILT TO EXIT —