Your P&L says you're profitable.
Why is your bank account empty?

You didn't start a business to become a full-time accountant. We help small businesses uncover hidden cash, fix shrinking margins, and scale profitably. Real CFO strategy, without the $200k salary.

Find My Missing Cash
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JD
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★★★★★4.9/5 Trustpilot
Trusted by 850+ small business owners
we were able to raise $495,000 in just 30 days, which speaks volumes about her expertise
Daniel S.Trustpilot
John and Monica are brilliant with numbers and took the time to understand our business
Ryan L.Trustpilot
The turnaround time was incredible and the level of expertise is world-class
Spencer B.Trustpilot
the Numberly doc was the best they'd seen out of the hundreds they see on a weekly basis
NyaayTrustpilot
Unlike other providers who attempt a one-size-fits-all approach, Numberly offers a highly professional, personalized, and tailored solution
Michal M.Trustpilot
They are the smartest C-level partner you could ask for
Numberly clientTrustpilot
John is the best of the best when it comes to financials
BAMF Co.
Upwork
Monica is an absolute spreadsheet wizard, and an incredibly thoughtful and communicative partner
Ethan P.Upwork
The team at Numberly was able to quickly grasp the complex revenue streams of our company
Jae H.Trustpilot
probably one of the smartest & friendliest teams I've worked with
AaqibTrustpilot
Numberly has been instrumental in helping us to both think through and build our business model
Matt A.Trustpilot
Numberly is part of our team
Stu B.Trustpilot
Our investors were extremely impressed with the business plan and funded us
jay l.Trustpilot
They are by far the best I've ever come across and I couldn't recommend them more
Ryan L.Trustpilot
Engaging Numberly was honestly the best investment I could have made to get my business off the ground
Numberly clientTrustpilot
The level of expertise and professionalism has added the necessary piece to our team
IEG
Trustpilot
Their ability to break down complex concepts and deliver high-quality, actionable financial models
Kevin V.Trustpilot
You’ll get nothing but the best working with Peter, Monica and the Numberly.io team
Chad R.Trustpilot
Highly skilled professional, deeply grounded in financial models and analysis
Artem K.Upwork
Monica and team did an outstanding job helping me create an investor deck
Ryan G.Trustpilot
I will definitely recommend using Numberly, you will definitely get a return on your investment
Mary C.Trustpilot
His professionalism, attention to detail, and commitment to delivering high-quality work were outstanding
Upwork clientUpwork
Great partner, highly recommend working with Monica
Logan F.Upwork
Monica made us the most amazing, dynamic projection model for our Seed fundraising round
StefanieTrustpilot
The team are expert in financial modelling with years of experience in their field
Mary C.Trustpilot
Monica and her team created an easy to use financial model for my start up organization
Meigan W.Trustpilot
Great process, knowledgeable team, and able to help with everything I needed
MunkTrustpilot
I highly recommend Monica and the Numberly team
Peter U.Trustpilot
Without NumberlyStandard Bookkeeping
PRESENT DAY
With NumberlyPredictive Modeling
The Architecture of Failure

You built a great business.
But the numbers are a blur.

Good businesses don't fail from a lack of revenue. They fail from a lack of cash visibility. Relying strictly on basic bookkeeping is like driving while looking in the rearview mirror.

01 / The Lag

Your bookkeeper shows where money went. Not where it's going.

Bookkeeping is inherently historical. It tells you what happened last month, but provides absolutely zero insight into the $45k payroll and vendor payments due next Friday.

02 / The Phantom Profit

Profitable on paper.
Terrified on payday.

You review the month-end close and see $50k in net income. Yet, your operational bank accounts are entirely depleted. We identify the cash timing discrepancies hiding your money.

03 / The Margin Bleed

Revenue is climbing.
Profit is flat.

You're acquiring more customers, managing a bigger team, and doing more work but your net profit is stagnant. We pinpoint exactly which parts of your business are quietly losing you money.

Methodology

Data to Decisions.
Three steps to clarity.

Most consulting projects drag on for months. We give you clear answers about your numbers in days, and tell you exactly what to do next.

01

The Profit Leak Review

We connect straight to your QuickBooks or Xero to find what is quietly eating your profit, and where your cash is going.

02

13-Week Cash Flow Forecast

A week-by-week forecast so you can see when cash will get tight, when it is safe to hire, and when you can afford to invest.

03

Strategic Boardroom Call

A focused 60-minute call where our lead CFOs walk you through the exact playbook to optimize your cash and profit.

Pricing

Diagnostic first.
Partnership second.

Start with a low-risk diagnostic to find the leaks. Keep us as your Fractional CFO later if you want ongoing strategic execution.

No Commitment

Just Have a Question?

Not sure where to start? Tell us what is worrying you and get a straight answer from a real CFO.

Free
  • Describe your situation, get a personal reply
  • Or talk it through on a short call
  • Answered by a real CFO, not a chatbot
  • No pitch, no obligation
Email Your QuestionBook a Free Call
Start Here

Profit & Cash Flow Diagnostic

A deep look at your numbers to find where your cash is stuck and where profit is leaking away.

Includes Free Introductory Call

$499
  • Full Review of Your QuickBooks or Xero Accounts
  • Profit Leak Identification Report
  • Predictive 13-Week Cash Flow Forecast
  • 60-Minute Call to Review the Findings
Book Your Diagnostic Call
Optional Phase 2

Fractional CFO Partner

Ongoing financial leadership from a senior CFO. Someone in your corner to help you grow.

$1,500+ /mo
  • Monthly Strategic CFO Sessions
  • Rolling Cash Forecast Updates
  • Pricing & Margin Optimization
  • Direct Access to Firm Partners
Learn More
Our Promise

The 3X ROI Guarantee.

We only take on engagements where we know we can impact your bottom line. If we do not identify at least 3x the cost of your diagnostic in profit leaks, cash flow improvements, or time savings over a year, we will refund your fee in full. No questions asked. You have absolutely nothing to lose.

Our experts have been featured in

The Wall Street JournalThe New York TimesInc.Conde Nast
The Brain Trust

You aren't handing your books to an intern.

Our team members are seasoned operators and CFOs, with backgrounds in investment banking and corporate strategy. We have navigated the exact cash flow crises and growing pains you are facing right now.

Monica

Monica Chitnis

Ex-J.P. Morgan & Multi-time Founder

Monica builds financial systems that make sense to operators. She has personally guided 500+ business owners through margin turnarounds, debt restructuring, and severe cash flow optimization.

JP MorganThe Venture CityExpert Dojo
John

John Foster

Lead Financial Strategist

A former Partner at Oliver Wyman, and a Director at Tesco.com and Telefonica, John has spent three decades working with some of the world's largest companies. He has since advised hundreds of startups, and is at his best turning complicated finances into clear answers about what happens next.

TelefonicaO2TescoOliver Wyman
Knowledge Base

Everything you want to know.

Our sweet spot is established small businesses — typically those that have outgrown basic bookkeeping and need someone looking ahead, not just recording what already happened. While we specialize in agencies, e-commerce, clinics, and construction, numbers are universal. We have worked with businesses across almost every sector, ranging from high-growth startups under $1M looking to build the right foundation, to complex, traditional operations well over $10M. If your business has employees, overhead, or actual cash complexity, our cash flow architecture will fit your model perfectly.
Yes. In fact, most of our clients come to us with messy books. We know how to extract the raw data we need to build our forecast. Part of our Phase 2 Fractional CFO process is helping you implement standard operating procedures to permanently fix your bookkeeping pipeline.
No. Your CPA handles tax compliance, tax filing, and your historical financial record. We act as your forward-looking strategic partner, focusing solely on forecasting, cash flow, and scalable growth. We happily coordinate directly with your CPA to ensure absolute alignment.
Absolutely not. We connect directly to your existing accounting software (like QuickBooks Online or Xero) using secure, read-only access. We pull the data we need to build our models - no software migration or heavy lifting required on your end.
Only 60 minutes. We do the deep-dive review and build the predictive model completely in the background. All we need from you is an hour on a video call to walk you through our findings, show you the profit leaks, and hand over the strategic roadmap.