Stop Flying Blind
On Your Own Finances.
You built this business. You shouldn't need a $300K CFO to understand your cash, protect your margins, and know what to do next. Practical AI tools built by someone who has worn every seat in the room — analyst, CFO, interim CEO, owner — and runs a $70M+ company with the same playbooks today.
Built by an operator who BUILDS, RESCUES, and SCALEScompanies — rescued a $55M M&A at Tower Engineering (books closed in under 45 days for the first time in company history), institutionalized a founder-led firm from $35M toward $200M+ at Bobbitt Design Build, and now owns and runs a $70M+ multi-state construction platform across NC/SC/VA.
Where should you start?
Pick the sentence that sounds most like your business right now. Each path points you at the 2-3 tools that actually fix what you're looking at.
“I'm not sure I can make payroll in 6 weeks”
Start with the 13-Week Cash Flow Forecaster to see exactly where you stand. Pair it with the AR Aging Tracker to find trapped cash, and the Break-Even Calculator to know your survival line.
“I have a refi or new loan application coming up”
Build the full bank package: the DSCR Calculator with Add-Backs shows what underwriters will see, the Bank-Ready Package Builder assembles the cover memo, and the Management Agreement Generator closes the paper trail.
“Money and costs move between my entities and it's messy”
The multi-entity toolkit: Entity Structure Optimizer reads your current mix, the Cost Allocation Calculator moves costs to the right entity, the Due To / Due From Tracker generates the journal entries, and the Monthly Close Checklist keeps it all clean.
“Revenue is growing but the bank account isn't”
Start with the Margin Analyzer to find which work actually makes money, then use the Pricing Calculator to fix the underpriced lines, and the Customer Profitability tool to find the customers funding your losses.
“I need to grow the team but can't afford a mistake”
Hiring Calculator shows the true all-in cost and ramp burn. Revenue Per Employee tells you if your current team is already stretched. Overhead Analyzer tells you whether there's room in the cost structure.
“I know something needs attention — I just can't name it”
Take the Business Health Diagnostic. 15 questions, 5 minutes, scored across cash, margins, growth, infrastructure, and decision-making. You'll leave with a personalized punch list of the 2-3 tools that matter most for your situation.
Business Finance 101
Before you touch the tools — four concepts every business owner should carry in their head. No jargon. No MBA required. Tap any card to read it, then tap “Explain this for my specific business” to get the AI version tailored to your industry.
Test Us. Ask Your Hardest Financial Question.
Type your biggest business finance question below. Our AI CFO will give you a real answer — and point you to the exact tool that solves it. One free shot. Make it count.
Sound Familiar?
Every business owner hits these walls. We built tools to knock them down.
“You check your bank account to see if you can make payroll”
13-week cash flow forecast that shows you exactly where you stand — and what's coming
“You're busy but not sure if you're actually profitable”
Margin analysis by service line so you know what makes money and what doesn't
“Your bookkeeper gives you reports you don't understand”
Plain-English financial summaries with the 3 things you need to act on this week
“You're growing but cash keeps getting tighter”
Working capital diagnostic that shows where your cash is trapped and how to free it
“You know you need a CFO but can't afford one”
AI-powered CFO tools built from real operator playbooks — a fraction of the cost
“You make pricing decisions based on gut feel”
Pricing and margin framework that ties every job to your actual cost structure
Your AI-Powered Financial Toolkit
Real tools that give you answers — not more spreadsheets. Each one built from playbooks used to manage $70M+ in real operations.
AI CFO Advisor
Ask any question about your business finances. Get practical advice — like having a CFO on call.
Most PopularCash Flow Forecaster
Build a rolling 13-week cash forecast with 3 scenarios. Stop the payroll panic.
High ImpactMargin Analyzer
See profitability by service line. Find which work makes money and which doesn't.
RevenuePricing Calculator
Enter job costs, set your target margin, get the right price. Never confuse margin and markup again.
EssentialBreak-Even Calculator
How much revenue to cover all costs? Find your break-even with what-if scenarios.
HiringHiring Calculator
Can you afford this hire? See the true cost including benefits, training, and cash burn.
Start HereBusiness Health Diagnostic
15 questions. 5 minutes. Get your score with personalized insights across 5 categories.
How It Works
Tell us about your business
Answer a few questions or upload your financials. No accounting degree required — we speak plain English.
Get clarity in minutes
AI analyzes your numbers and gives you a clear picture: where you stand, where the risks are, and what to do about it.
Take action with confidence
Walk away with specific recommendations, ready-to-use tools, and the financial clarity to make your next move.
Built by a Business Owner, for Business Owners
I'm Josh Menold. I run The CHE Companies — a $70M+ multi-state construction platform. I started as a financial analyst and worked my way to CEO. Along the way I rescued a $55M acquisition, turned around a $150M design-build firm, and built AI systems that now run major parts of my company.
I built Operational CFO because I know what it's like to run a business without the financial clarity you need. The tools here are the same ones I use every day — just made simple enough that any business owner can use them.
You don't need an MBA. You don't need a $300K CFO. You need the right tools and someone who speaks your language.
Run a Nonprofit?
We built a dedicated toolkit for 501(c)(3) organizations — AI Advisor that speaks nonprofit, board report generator, grant finder, donor cash flow forecaster, and more. Starting at $19/mo with EIN verification.
Explore Nonprofit Tools →Pricing That Makes Sense
A full-time CFO costs $200K–$400K per year. A fractional CFO is $3K–$10K per month. We start at $0.
Your Monthly Pulse Report
Enter your numbers (or connect QuickBooks) and get an AI-powered analysis of your business in plain English. Cash position, margins, red flags, and 3 specific actions for this week.
Like having a CFO review your books — for $49/month instead of $5,000.
Try the Pulse ReportExecutive Summary: Revenue is up 12% YoY but cash is tighter than it should be — $75K trapped in AR over 45 days.
Red Flag: DSO jumped from 32 to 47 days. Three customers owe $52K past due.
Opportunity: Your highest-margin service line (42%) only represents 15% of revenue. Double it.
Action 1: Call the 3 past-due customers today. Target: collect $30K this week.
Business Academy
Short, practical courses from a CEO with 25+ years of operating experience. Not theory. Not case studies. Real playbooks you can use this week.
Working Capital Mastery
How I freed $3.25M in cash without growing revenue. The exact playbook.
6 lessons · 40 min
For CEOsHow to Hire & Coach a CFO
What to look for beyond credentials. Interview questions that reveal operators.
6 lessons · 35 min
Get Financial Clarity — Right Now
Every tool on this site is free to try. No credit card, no signup required. Start with the 5-minute diagnostic, or jump straight to the tool that matches your situation.