JML Growth

The platform

The software we built to do this work.

Every client we take on runs inside software we designed, built, and maintain ourselves. It is not a product you buy. It is how the work gets done, and it comes with the engagement.

Books read
Nightly
QuickBooks access
Read-only
Prep before a meeting
None
Cost on top of retainer
$0

Account mapping · 214 accounts

96% mapped

Service revenue

Revenue · Core

Clean

Job materials

COGS · Materials

Clean

Subcontractor labor

COGS · Labor

Clean

Ask my accountant

Unmapped

Excluded

Owner draws

Owner economics

Clean

Misc expense

Unmapped

Needs review

Payroll taxes

Payroll · Burden

Clean

Shop supplies

Overhead · Facility

Clean

Your books, mapped into categories you can act on.

We map your chart of accounts into lanes that mean something to an owner: revenue, job cost, payroll, overhead, reserves, owner economics. Anything stale, unmapped, or incomplete gets flagged rather than quietly rolled into a confident-looking chart.

The plan is the baseline. Reality chips away at it.

We build the annual plan with you once. After that, every closed month replaces a planned month automatically, so you are always looking at where the year actually lands rather than where you hoped it would in January.

2026 plan · year to date

Tracking $48k behind plan

Plan

$2.84M

Projected

$2.79M

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Closed, on plan Closed, missed Still planned

Cash gets assigned before it gets spent.

Operating floor, tax reserve, growth reserve, debt service, and owner distributions are all modeled forward. What you can safely take home stops being a gut call about the bank balance.

Cash on hand

$342,180

Operating floor

$118,000

Tax reserve

$74,500

Committed payables

$52,680

Growth reserve

$40,000

Safe to distribute

$57,000

Lowest projected balance over the next 13 weeks is $126,400 in week 9. Clears the floor with room.

Decisions become rules, not notes.

Everything we decide together lands as a written rule with a number attached and a date to revisit. The system keeps it in front of both of us until it closes. That is the difference between advice and a change in the business.

Raise service rates 6% on new work

Set Mar 4 · revisit Aug 1

Due Aug 1

Hold the second crew truck until gross margin clears 35%

Set Jun 12 · currently 34.1%

Watching

Move owner salary to $9,500/mo

Decided Jul 9 · in payroll

Done

Better tools, better advice.

We built our own software

Most fractional CFOs run on spreadsheets and a monthly PDF. We built the operating platform ourselves, so the plan, the cash model, and the variances are live between meetings instead of rebuilt before them.

Operator judgment, not a report factory

The work is the decision: what to charge, who to hire, what to pay yourself, when to hold cash. Reporting exists to make that call sharper, not to fill a binder.

Advice that becomes a rule

Every recommendation lands as a written standard with a number attached to it. If it cannot be measured next month, we did not finish the job.

You get a login, not a PDF.

Read-only by design
We connect to QuickBooks read-only. Nothing is ever written back to your accounting file.
Your own login
You and anyone you choose see the same live numbers we do, any day of the month.
Included, always
Platform access is part of every engagement. No separate software fee, no upsell tier.
Yours while we work together
Access runs with the engagement. Your books and history stay yours in QuickBooks either way.

Want to see it against your own numbers?

The fastest way to understand the platform is to watch it read your QuickBooks. That happens in the first couple of weeks of any engagement.

Book a call

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