Nold CFO Advisory

Sound familiar?

The books are done. The questions still aren't answered.

Sales are growing, but it's hard to tell where the profit is going.

Cash is tight some months and there's no warning when it's coming.

The bank asks for numbers and covenant tests, and pulling them together takes weeks.

Your bookkeeper records the past. Nobody is planning the next 12 months.

A loan, a new location, an acquisition, or a sale is on the horizon.

You run more than one business and can't see them side by side.

Services

What a fractional CFO does for you

One monthly retainer. No full-time salary, no benefits, no office.

Monthly dashboard & commentary

Results against budget and last year, explained in plain English: what happened, why, and what we're doing about it.

Cash flow forecasting

A rolling 13-week view so payroll and vendor runs are never a surprise.

Budgeting & planning

An annual budget and base, upside, and downside scenarios to test decisions before you make them.

Banking & financing

Covenant tracking, lender packages, and support on new financing from someone who used to sit on the bank's side.

Profitability & KPIs

Margins by service line or location and the 3–5 numbers that actually drive your business.

Strategic decisions

Capital purchases, hiring, pricing, a second location, and planning for an eventual exit.

What you get

Your business on one page, every month.

Books close in the first five business days. Your dashboard and written commentary arrive by the 10th. In week three we sit down for a 60-minute review with you and your team, and every action item is tracked until it's closed.

Revenue, gross margin & EBITDA vs budget and prior year
Cash, receivables, and days of cash on hand
Lender covenant compliance (DSCR, leverage, current ratio)
13-week cash forecast and action items tracked to close
Live client portal with drill-down to the transaction, on Growth and Strategic plans

Cash & working capitalSample Client Co.

Month-end cash$446KMinimum $300K

13-wk low point$318KWeek of Oct 27

AR over 60 days$41K▲ $9K vs July

Cash conversion cycle31 days▼ 4 days vs July

13-week cash forecast vs minimum

How it works

From first call to monthly rhythm in 30 days

1Day 0

Introductory call

30 minutes, no cost. We talk through where the business is and where you want it to go, and whether this is the right fit.

2Days 1–30

Onboarding

Clean up the books, build the budget, connect your accounting system, and set up your dashboard.

3Every month after

Monthly rhythm

Close, dashboard and commentary, review meeting, and follow-through on action items until they're done.

Photo of Rick goes here
(4:5 portrait, business casual)

About Rick Nold

Both sides of the table.

As a commercial banking Vice President at TD Bank and Merchants Bank, Rick worked with owner-led businesses on their financing, and learned exactly what a lender needs to see to say yes.

He then built an Interstate Batteries distributorship to six locations across New England and Florida, and today he owns and operates service businesses in Chittenden County, Vermont.

He brings a lender's discipline and an owner's perspective: clear numbers, candid advice, and a plan you can act on.

Former Commercial Bank VP Built a 6-location distributor Multi-business owner-operator UVM Grossman School of Business

Is this a fit?

Built for owner-led businesses

A good fit

$1M–$20M in revenue, with a bookkeeper or outside accountant already in place
Bank debt, a line of credit, or financing on the horizon
Multiple locations, service lines, or businesses to compare
An owner who wants a monthly conversation about the numbers, not a stack of reports

Probably not yet

Books more than a few months behind and nobody to keep them current
Looking for tax preparation or bookkeeping rather than a CFO
Need a full-time, on-site finance leader today

A CFO in your corner, without a full-time CFO salary.