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 runs a $70M+ company with the same playbooks.
Built by a CEO who rescued a $55M acquisition, turned around a $150M firm, and runs a $70M+ multi-state construction platform — using these exact systems every day.
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.
Cash Flow Forecaster
Build a rolling 13-week cash forecast. See what's coming, plan for gaps, and stop the payroll panic.
Margin Analyzer
Upload your P&L and see profitability by product line, service, or division. Find the leaks.
Monthly Pulse Report
AI reads your financials and gives you a 1-page summary: what's working, what's not, what to do.
Pricing Calculator
Stop guessing on quotes. Factor in materials, labor, overhead, and target margin automatically.
Board & Lender Update Builder
Need to update your bank or investors? Generate a professional update deck in minutes.
Business Health Diagnostic
Answer 15 questions about your business. Get a score and specific recommendations for improvement.
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.
What Business Owners Are Saying
“I finally understand where my money goes every month. This should have existed 10 years ago.”
— Coming soon, Construction company owner
“The cash flow forecaster paid for itself in the first week. I caught a gap I would have missed.”
— Coming soon, Services business founder
“It's like having a CFO on call without the $250K salary.”
— Coming soon, Manufacturing CEO
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.
Pricing That Makes Sense
A full-time CFO costs $200K–$400K per year. A fractional CFO is $3K–$10K per month. Operational CFO gives you the tools and clarity for a fraction of that.
Free
$0/mo
Business Health Diagnostic, basic cash flow template, weekly insights newsletter
Pro
$99/mo
All AI tools, monthly pulse reports, margin analyzer, cash forecaster, community access
Advisory
Custom
Everything in Pro plus 1-on-1 strategic advisory, custom dashboards, and direct access to Josh
Get Financial Clarity — Starting Now
Join the waitlist for early access. Founding members get lifetime pricing and a free Business Health Diagnostic when we launch.