01 / VISIBILITY
“I don’t really know where the cash is going.”
Bank balance is not a cash strategy. We build the view you actually need: cash, payables, receivables, obligations and runway.
→ Build cash visibilityFINANCE HELP FOR OWNERS WHO NEED CLARITY, CONTROL + STRATEGY
When finance gets messy,
I make it make sense.
Clean books. Clear cash. Real forecasts. Better decisions. From bookkeeping and close to budgeting, M&A, due diligence and CFO-level strategy, SUM+T gives growing businesses the finance function they wish they already had.
SUM+T / OPERATOR VIEW● LIVE
Annual Budget Range$2M → $850M
Transaction ExperienceBuy + Sell
Capital EnvironmentsPE + VC
Finance Buildout0 → Scale
OPERATING SIGNAL
98%decision-ready finance
CASH VISIBILITY13-WEEK VIEW
MONTH-END CLOSECONTROLLED
MARGIN WATCHFLAGGED FAST
DECISION SUPPORTOWNER-READY
THE DIFFERENCE
Clean books tell you where you’ve been.
Great finance tells you where to go.
WHEN FINANCE STARTS HURTING THE BUSINESS
This is usually the moment owners call SUM+T.
You’re not looking for “bookkeeping.” You’re looking for answers, control, and somebody who can actually own the problem.
02 / TRUST
“I don’t trust the books.”
Late reconciliations, stale balances, mystery accounts and bad classifications kill decision-making. We clean it and create a close you can trust.
→ Establish clean financials03 / MARGIN
“Revenue is up. Why doesn’t it feel like it?”
Growth can hide labor creep, pricing problems, waste and margin leakage. We isolate what changed and what it is costing you.
→ Find the leak04 / GROWTH
“The business outgrew our finance setup.”
What worked at $1M often breaks at $5M, $10M or multiple locations. We upgrade process and reporting without building unnecessary bureaucracy.
→ Build for scale05 / DECISIONS
“Can I hire? Invest? Open another location?”
We model the decision before you commit the cash so you can see the risk, break-even point and upside.
→ Model the move06 / SCRUTINY
“Someone else is about to look at our numbers.”
Buyer, lender, investor, partner or board — when outside scrutiny arrives, weak support becomes expensive fast.
→ Get diligence-readyFULL-STACK FINANCE
From the books to the boardroom.
SUM+T Financial can get into the transaction-level detail, rebuild the accounting, create the operating model, and stay with you through the decisions that come after.
01 / FOUNDATION
Build the financial machine correctly.
Chart of accounts, QuickBooks, reconciliations, close, controls, cleanup, reporting and a finance cadence that can survive growth.
BOOKSRECONCILED
CLOSECONTROLLED
REPORTINGDECISION-READY
CASHVISIBLE
02 / OPERATE
Turn accounting into finance.
Budgeting, rolling forecasts, cash planning, KPI design, labor and margin analysis, variance review and management reporting.
03 / LEAD
Fractional Controller / CFO.
Senior financial ownership and decision support without carrying a full-time executive salary.
04 / TRANSACT
Handle the hard moments.
M&A on both sides, full diligence, data-room readiness, PE/VC reporting, IPO exposure, post-close integration, separation work and partnership dissolution.
BUY-SIDEREADY
SELL-SIDEREADY
DILIGENCESUPPORTED
POST-CLOSESTABILIZED
CLARITY → CONTROL → STRATEGY
Finance should help you run the business — not just report on it.
SUM+T moves you from reactive accounting to an operating rhythm where the numbers answer real questions: what can we afford, where are we leaking margin, what happens next quarter, and what do we do now?
01
Visibility
Know cash, close status, margin, receivables and the real health of the business.
02
Control
Build a reliable close, accurate reporting, ownership and a repeatable finance cadence.
03
Strategy
Forecast, budget, evaluate hires and investments, pressure-test growth and make smarter calls.
04
Execution
Turn the decision into a plan with accountability, metrics and follow-through.
FINANCE YOU CAN SEE
Not more reports. A clearer operating system.
SUM+T turns scattered accounting data into a small set of visual signals leadership can actually use — cash, margin, location performance, forecast and transaction readiness.
01 / MULTI-LOCATION PERFORMANCE
See where the business actually makes money.
Location, provider and service-line economics should be obvious enough to drive staffing, pricing and growth decisions.
LOCATIONREVENUEMARGINUTILIZATION
Summerlin$428K24.8%
Henderson$376K21.6%
Centennial$311K14.2%
Southwest$289K18.7%
PROVIDER OUTPUT
87%
COLLECTIONS
94%
LABOR CONTROL
73%
CASH CONVERSION
82%
BEST LOCATIONSummerlin
WATCH ITEMCentennial
NEXT MOVELabor reset
STATUSDecision ready
02 / CLEANUP TRANSFORMATION
Messy books → decision-ready finance.
The goal is not prettier accounting. It is turning unreliable inputs into numbers you can trust.
BEFORE / REACTIVE
→
AFTER / CONTROLLED
CLOSEReliable
CASHVisible
FORECASTUsable
OWNER VIEWClear
03 / TRANSACTION READINESS
Know what the buyer will ask before they ask it.
Clean support, tied schedules and a controlled diligence process reduce surprises when scrutiny arrives.
1
Normalize + reconcile
READYClean close, support balances and isolate one-time noise.
2
Build the data room
ORGANIZEDSchedules, tie-outs, source support and narrative.
3
Control diligence
LIVEAnswer requests quickly without losing the operating business.
4
Close + transition
EXECUTEWorking capital, handoff, integration or separation.
EXPERIENCE
Founder-led to institutional scale.
I’ve worked across very different complexity curves — from bootstrapped businesses building finance from zero to multi-location healthcare systems with hundreds of millions rolling through the budget.
SMALL BUSINESS$2M
→
ANNUAL BUDGET ROLL-UP$850M
Started from zero.
Built books, processes and reporting from the ground up when founders needed real structure without unnecessary bureaucracy.
Operated at scale.
Budgeting, financial ownership, labor, revenue, reporting and performance analysis across complex multi-location operations.
Worked under scrutiny.
PE and VC environments, sponsor expectations, board-level reporting, forecast discipline and financial storytelling.
Handled transition.
M&A, diligence, integrations, partner separations, dissolutions and finance rebuilds when ownership or structure changed.
OPERATOR CREDIBILITY
Built by a CFO who has actually owned the number.
SUM+T Financial is not built around theoretical advisory work. Its foundation comes from hands-on finance leadership across healthcare, founder-led businesses, growth environments, transactions and operating turnarounds.
Former CFO / Signature Healthcare
Finance tied directly to operating performance.
At Signature Healthcare, SUM+T Financial’s founder served as CFO with direct responsibility for financial performance, revenue-cycle improvement, operating discipline and EBITDA execution.
Census Growth
101 → 125
AR Days
65 → 42
The work connected census growth, revenue-cycle performance, labor, operating discipline and EBITDA into a
financial strategy leadership could act on. That same operator mentality now drives SUM+T:
understand the numbers, identify what is holding the business back, and turn finance into a tool for growth.
WHAT GOOD FINANCE FEELS LIKE
Open one view. Know what needs attention.
This is the kind of operator dashboard SUM+T Financial is built around: not vanity metrics — the small set of numbers that tell you whether the business is healthy and what needs a decision.
SUM+T / MONTHLY OPERATOR COCKPIT● DECISION READY
CASH$428K+8.4% vs prior month
GROSS MARGIN41.2%-1.8 pts
RUNWAY7.6 mowithin plan
FORECAST97.4%accuracy
REVENUE + CASH TRENDTRAILING 12 MONTHS
TRANSACTION SUPPORT
SUM+T Financial brings experience from both sides of the transaction table.
Our experience includes taking companies through M&A on both the buy-side and sell-side and through full due diligence. That means I know what buyers, investors, lenders and partners are going to ask for — and how weak financial support looks when they see it.
SUM+T Financial can help clean the books, organize support, build schedules, answer questions and keep the business moving while the transaction is happening.
Talk about a transaction ↗DEAL WORKFLOWSUM+T
01Pre-Deal Cleanupnormalize / reconcile / support
02Data Roomschedules / tie-outs / documentation
03Due Diligencebuy-side + sell-side
04Closecut-off / working capital / handoff
05Post-Closeintegration / separation / rebuild
SELECTED WORK
What this looks like in practice.
Practical support across finance foundations, transaction readiness, and complex operating environments.
GROUND-UP BUILD
Finance from zero.
Designed books, chart of accounts, reconciliation workflow and reporting cadence for founder-led operations needing real financial infrastructure.
FOUNDATION → MONTHLY OPERATING RHYTHM
M&A / DILIGENCE
Ready before the questions hit.
Supported transaction readiness, diligence schedules, tie-outs and financial requests from buyer and seller perspectives.
BOOKS → DATA ROOM → CLOSE SUPPORT
INSTITUTIONAL SCALE
Operating finance under pressure.
Managed complex budget and performance environments across multi-location operations with responsibility scaling into hundreds of millions.
$2M → $850M RANGE
FEATURED CLIENT TRANSFORMATION
From financial distress to funded growth.
A behavioral-health telehealth platform entered the engagement under severe operating pressure: a failing partnership structure, payroll strain, and a business that had outgrown its financial foundation. SUM+T helped rebuild the structure, stabilize operations, and create a platform that could scale.
FINANCE THROUGH TRANSITION
Stabilize the foundation. Build for the next stage.
SUM+T combines finance operations, ownership-transition support, reporting, and planning to help leadership move from immediate pressures toward a repeatable operating rhythm.
Revenue Growth
$10M → $25M
Annual revenue growth over approximately 18 months.
Operating Stability
Payroll → Growth
Moved from struggling to keep up with payroll to paying obligations on time and investing in expansion.
Corporate Restructure
New LLC
Supported dissolution of the prior partnership structure and creation of a new operating entity.
Capital + Expansion
VC + New Markets
Supported fundraising, investor / partner participation, and expansion from the Northeast as far west as Colorado, with continued growth underway.
SUM+T Financial’s role spanned the finance function and broader strategic transition: stabilizing the business,
restructuring ownership, creating the financial foundation for a new LLC, supporting venture-capital fundraising
and partner participation, and helping the company scale geographically while improving its ability to meet obligations
and reinvest in growth.
THE SUM+T JOURNEY
From “what the hell is going on?” to control.
Most owners do not need more reports. They need the finance problem diagnosed, fixed, and translated into decisions.
01 / DIAGNOSE
Find the real problem.
Books, cash, process, margin, reporting, transaction prep — we identify what is actually broken.
→
02 / STABILIZE
Clean it up.
Reconcile, correct, close, organize, document and create a reliable financial baseline.
→
03 / OPERATE
Build the rhythm.
Budget, forecast, KPI review, cash cadence and monthly reporting that leadership uses.
→
04 / DECIDE
Use finance to move.
Hire, invest, expand, sell, buy, restructure or hold — with the numbers in front of you.
↗
SCHEDULE
Pick the conversation you actually need.
Short fit call for general work. A deeper finance review for cleanup or CFO support. A transaction call for live diligence or M&A.
Schedule with SUM+T Financial
15-minute fit callQuick intro + scope check
30-minute finance reviewBooks, budget, cash, reporting or CFO support
30-minute transaction callM&A, diligence, data-room or transition work
You don’t need more accounting noise.
You need somebody who can tell you what is happening, why it matters, and what to do next.
START HERE
Tell us what’s really going on.
Behind on books. Cash feels tight. Buyer is asking questions. Budget is wrong. Growth is outrunning finance. Partner is leaving. Whatever it is, start with the real version.
We’ll tell you where SUM+T Financial can help.