About the practice
A small CFO practice built on operating experience.
Most owner-operated businesses hit a point where the decisions get expensive. A hire. A truck. A price increase. A distribution. And there is nobody to make them with. The bookkeeper records history. The CPA files it. The owner carries everything forward alone.
A full-time CFO fixes that, and almost nobody at this size can justify one. So the work gets done in a spreadsheet at 11pm, or it doesn't get done at all.
We took the seat instead, then built software so one advisor could do it properly for more than one business at a time.
That is the whole idea. Real financial leadership, priced for a company that is not ready to hire it. The software is not the product and it is not for sale. It exists so the monthly meeting can start at the decision instead of ending at one.
We work with a small number of owner-operated service businesses at a time, mostly construction, trades, and field services between $1M and $15M. If that is you, and the financial decisions are still landing on your desk alone, that is the conversation worth having.
JML Growth Consulting LLC
What we believe
More sales is not the goal
Growth only matters when the business keeps enough margin, cash, and control to make the owner better off.
Lagging indicators are not plans
Total sales and year-end profit explain what happened. Leading signals tell the owner what to change now.
Measure before you chase
Before buying more leads, inspect pricing, collections, payroll, job cost, close quality, and delivery capacity.
The owner stays the operator
We structure the targets, signals, and cadence. The owner keeps the judgment and the authority.
Advice has to become a system
A useful idea becomes a rule, a number on a screen, a review question, and a follow-up. Otherwise it fades as soon as the week gets busy.
The things owners ask first
Ask us yours →What exactly is a fractional CFO? +
A finance leader on retainer instead of payroll. We own the planning, the cash strategy, the owner-pay decision, and the monthly review, at a fraction of the cost of the full-time hire most owner-operated businesses cannot justify yet.
How is this different from my bookkeeper or CPA? +
Your bookkeeper records what happened. Your CPA files it. Neither is on the hook for what you do next. We work forward: the budget, the cash floor, the hiring call, the pricing call, the distribution.
What does the software actually do? +
It reads your QuickBooks, maps it into categories an owner can act on, and keeps the plan, the cash forecast, the owner-pay math, and every variance current between our meetings. It is how one advisor covers work that usually takes a team.
Do I need clean books to start? +
No. The first thing we do is find out how much of the data is trustworthy and say so plainly. Cleanup, if it is needed, is part of the engagement rather than a prerequisite.
Can I buy the software by itself? +
Not today. The platform is how we deliver the work, and it is only useful with the setup, judgment, and rhythm behind it. Every client gets full access as part of their engagement.
Who do you work with? +
Owner-operated service businesses: construction, trades, field services, and similar. Generally between $1M and $15M, where the owner is still carrying the financial decisions personally.
What does an engagement look like month to month? +
Books close. The platform updates the plan, cash forecast, and variances. We meet, work the two or three decisions that actually matter, and leave with written rules and follow-up rather than a report.
Is this a replacement for tax or legal advice? +
No. We coordinate with your CPA and attorney. Entity structure, tax filings, and legal decisions stay with the right professional.
Start with a conversation.
Tell us what's going on in the business. If we're not the right help, we'll say so.
A person replies within one business day.