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For Service Businesses

Financial Clarity for
Service Businesses

Consulting firms, agencies, professional services, contractors — you sell time and expertise. These tools help you price it right, get paid faster, and know which clients actually make you money.

Challenges We Solve for Service Businesses

You're Busy But Not Sure You're Profitable

Revenue looks good. You're fully booked. But at the end of the month the bank account doesn't reflect it. The gap between billing and profitability is where most service businesses leak money — through scope creep, under-pricing, and overhead that quietly grows.

Margin Analyzer

Pricing Based on What Competitors Charge

You Googled 'average hourly rate for [your industry]' and added 10%. That's not pricing strategy — that's hoping. Your costs, overhead, and target margin are unique. Price from YOUR numbers, not the market average.

Pricing Calculator

Feast or Famine Cash Flow

Great months followed by terrifying months. Project revenue is lumpy. Retainers smooth it out but not everyone has them. A 13-week forecast turns the panic cycle into a planning cycle.

Cash Flow Forecaster

Not All Clients Are Worth It

Your biggest client might be your least profitable. The one who always has 'just one more change' or pays 60 days late. Know your customer profitability — then decide who to grow and who to fire.

Customer Profitability

The Hiring Question: Can I Afford It?

A $65K employee costs $90K+ after benefits, equipment, and ramp time. And they won't generate full revenue for 3-6 months. Make sure you can float it before you make the offer.

Hiring Calculator

No Time to Be the CEO AND the CFO

You started the firm. You run the work. You manage the team. And somehow you're also supposed to understand the financials? The AI Advisor answers your finance questions in plain English — anytime.

AI CFO Advisor

The Service Business Math

65-75%
Target utilization rate for professional services
40-60%
Healthy gross margin for service businesses
<30 days
Target days to collect payment

If you don't know your numbers for these three metrics, start with the Health Diagnostic.