Financial Analytics for Small Businesses
Financial analytics is the practice of studying your company’s financial data to answer specific business questions. Sunderland Valley Enterprises provides financial analytics for small and midsize businesses, covering profitability, cash flow, planning, reporting, and readiness for lenders, investors, and buyers. A former Chief Financial Officer with a Master of Science in Data Analytics leads every project.
Many businesses grow revenue while margins shrink. Our work focuses on profit optimization, which means earning the most from the business you already have before adding more volume at a lower margin.
What financial analytics can answer
- Which customers, products, or jobs make money, and which ones cost more than they bring in?
- Why does the business show a profit while the bank balance stays flat?
- How much cash will we have in 13 weeks?
- Can we afford to hire, expand, or buy equipment?
- Are our prices and discounts set correctly?
- Will our numbers hold up in front of a lender or a buyer?
Eight areas of financial analytics
We offer 87 defined analytics projects across eight areas. Most clients begin with one.
Profitability and Pricing
Find out which products, customers, jobs, locations, and channels earn money and which ones lose it.
- Margin analysis by product, customer, job, location, and channel
- Break-even and unit economics
- Pricing and discount analysis
Cash Flow
See where cash goes and how much you will have in the weeks ahead.
- 13-week cash flow forecasting
- Profit to cash reconciliation
- Working capital, receivables, and payables analysis
- Cash runway and debt capacity
Planning and Decisions
Test a decision with numbers before you commit money to it.
- Budgets and rolling forecasts
- Scenario modeling and three-statement models
- Long-range plans
- Hiring, expansion, and equipment affordability analysis
Dashboards and Reporting
Get the same reliable numbers every month in a format you can read in minutes.
- Owner dashboards and KPI scorecards
- Management and board reporting packages
- Consolidated reporting across entities
- Report automation and industry benchmarking
Revenue and Customers
Understand where revenue comes from and how dependable it is.
- Revenue mix and customer concentration
- Retention and customer lifetime value
- Recurring revenue analysis
- Marketing return analysis
Costs and Efficiency
Find spending that no longer earns its place.
- Overhead and vendor spend reviews
- Labor productivity
- Fixed and variable cost analysis
- Subscription and inventory reviews
Lender, Investor, and Sale Readiness
Present numbers that hold up when a bank, investor, or buyer examines them.
- Loan packages and covenant reporting
- Refinancing analysis
- Valuation support and quality of earnings preparation
- Due diligence preparation
Financial Data Foundation
Make sure the numbers underneath every analysis are right.
- Financial statement accuracy reviews
- Chart of accounts redesign
- Historical trend analysis
- Error and fraud detection
- Month-end close process reviews
Industry-specific analytics
Some questions depend on the industry. We run dedicated projects for restaurants (prime cost and menu profitability), medical practices (payer mix and provider productivity), nonprofits (program and grant cost analysis), construction and trades (job costing), e-commerce (channel and product margins), and professional services (utilization and realization).
Want a clearer view of your numbers?
30 minutes, no cost, with Jackie directly.
How an engagement works
- Define the decision. We start with the question you need answered and the decision that depends on it.
- Connect and validate the numbers. We pull the data from your accounting system and confirm it is accurate before analyzing it.
- Choose the next move. You receive the findings, the scenarios we tested, and a clear recommendation.
Common questions
Financial analytics is the practice of studying a company’s financial data to answer specific business questions, such as which customers are profitable, how much cash will be available next quarter, or whether the business can afford to hire. It turns bookkeeping records into decisions.
Bookkeeping records and reconciles what happened. Financial analytics explains why it happened and what to do next. Bookkeeping produces the Profit and Loss statement, and analytics shows which products, customers, and costs drive the result.
Analysis is only as reliable as the records behind it. If your books are behind or contain errors, we start with a cleanup or catch-up project so every later analysis rests on accurate numbers.
Yes. We prepare loan packages, covenant reports, valuation support, and due diligence materials so your numbers hold up under review by a lender, investor, or buyer.
No. Most owners start with one question and one project. We recommend the analysis that answers your question and add more only when a new decision calls for it.
Jacqueline Oberst leads the work. She is a former Chief Financial Officer with a Master of Science in Data Analytics, a Certified Exit Planning Advisor, and the author of Looks Profitable.
Want a clearer view of your numbers?
30 minutes, no cost, and you will speak with Jackie directly.
Prefer to write? Send a message or call (702) 704-5816.