Build Banker Confidence To Fund Business Growth
Grumpy CFO Capital Confidence System™ helps business owners build financial clarity, improve performance, and earn the banker’s trust required to fund growth with less stress.
Who Are You?
Choose your path to learn how the Grumpy CFO® can help you.
I'M A BANKER
Your clients need this service. I help your business banking clients become more bankable, better prepared, and lower risk while keeping you in control of the relationship.
WHAT YOU GET:
● A trusted resource for clients who need strategic CFO guidance
● Clients who arrive at your desk better prepared and more fundable
● Risk mitigation through professional financial analysis
● Complete confidentiality and professional collaboration
I'M A BUSINESS OWNER
You've built a profitable B2B company, but accessing growth capital is harder than it should be. I'll show you why and fix it.
WHAT YOU GET:
● The Grumpy CFO® Capital Confidence System™: A complete lender-ready financing package
● Strategic clarity on what drives profit (and what doesn't)
● Customer validation interviews that prove your value
● Minimum $200K in identified funding potential
I'M A CFO OR ACCOUNTANT
Your clients need strategic growth advisory, not just compliance. Join the Grumpy CFO® Community to access proven tools, techniques, and licensing opportunities.
WHAT YOU GET:
● Access to the Grumpy CFO® Capital Confidence System™ methodology
● Customer interviewing frameworks
● Strategy Sprint facilitation tools
● Community of like-minded strategic advisors
Phil Symchych, CPA, MBA, CMC, ICD.D
The Business Wealth Builder® Established 1994
Why Bankers, Owners, And Advisors Trust The Grumpy CFO®
Experience
34+ YEARS | 7 COUNTRIES | 63 INDUSTRIES
Advising B2B companies since 1994. From manufacturing to professional services, healthcare to construction. If it's B2B and between $3M-$50M in revenue, I've probably worked in
your industry.
Credentials
CPA | MBA | CMC | ICD.D
Chartered Public Accountant. Master of Business Administration. Certified Management Consultant. Institute of Corporate Directors designation. Not just credentials; proof of comprehensive
business knowledge.
Growth and Funding Success
Hundreds of Millions in Client Revenue Growth
Helped clients generate hundreds of millions in new revenue after funding put in place. Funded over $25 million with debt and equity. Average project finds $200K-$2million+ in funding potential. All backed by a money-back guarantee.
The Grumpy CFO®
Capital Confidence System
Grumpy CFO Capital Confidence System™ helps business owners build financial clarity, improve performance, and earn the banker’s trust required to fund growth with less stress.
Hidden Profit Discovery
I dig into your accounting system to extract buried profit data. Which customers are most profitable? Which products actually make money? Which services cost you more than they're worth? Most owners and bankers are shocked by what we find.
Customer
Validation
I personally interview your best customers in 20-30 minute recorded conversations that reveal what they actually value, how you stand out from competitors, and why they stay. This isn't a survey. It's validation that bankers trust and management teams need to hear.
Strategic Growth Sprint
A focused 2-hour strategy session that gets leadership aligned on the growth path forward. Data-driven, not gut-feel. This becomes the foundation of your business plan and the clarity your team needs.
Full Capital Confidence System™ Components:
BLAST: Business Loan Accelerator, Strategy and Trust. Identify your current and future borrowing potential
Deep financial analysis by product, service, and customer so you know where you’re making money, or not
Marketing and sales effectiveness assessment to evaluate marketing spend ROI
Organizational and management bench strength evaluation to identify strengths and gaps
Customer interview recordings and insights report to hear what they really value
Management team interviews and assessment to see what information they need
Strategy Sprint facilitation and strategic roadmap to align your team on your future opportunities
Summary business plan and financial projections to show the banker you have a credible and profitable plan
Complete "Grumpy CFO Lender Package" for banker review to make a positive and professional first impression that accelerates the process
Banker presentation support and negotiation assistance because you can never negotiate your own best deal
1
BLAST: Business Loan Accelerator, Strategy and Trust. Identify your current and future borrowing potential
3
Deep financial analysis by product, service, and customer so you know where you’re making money, or not
5
Marketing and sales effectiveness assessment to evaluate marketing spend ROI
7
Customer interview recordings and insights report to hear what they really value
9
Strategy Sprint facilitation and strategic roadmap to align your team on your future opportunities
2
Management team interviews and assessment to see what information they need
4
Organizational and management bench strength evaluation to identify strengths
and gaps
6
Summary business plan and financial projections to show the banker you have a credible and profitable plan
8
Complete "Grumpy CFO® Lender Package" for banker review to make a positive and professional first impression that accelerates the process
10
Banker presentation support and negotiation assistance because you can never negotiate your own best deal
● Investment: Call to discuss
● Timeline: 60-90 days
● Guarantee: Minimum $200,000 in identified funding potential, or full refund
Why "GRUMPY"?
I'm grumpy because I see the same problems over and over:
Accountants minimize taxes which destroys borrowing power and business valuation.
Bankers want retained earnings but your reports show thin profits
Owners don't know which customers are profitable because accounting systems bury this information.
Decisions are made on instinct instead of data
Growth is held back by easily fixable financial storytelling problems
It’s not a spreadsheet problem. It’s a strategy problem. Let’s fix it.
What Makes Me Different:
Most fractional CFOs want to do your accounting.
I don't.
Most business consultants want monthly retainers for generic advice.
I don't.
Most advisors report what happened last month.
I focus on what happens next.
What I Actually Do:
Extract strategic insights your accounting system hides
Dig into your numbers to find buried profit
Call your customers to validate your value
Interview your team to assess your strategy
Build a lender package that gets you approved
Negotiate with your banker to get the best deal
Give you clarity and confidence to accelerate profitable growth
Then I get out of your way so you can grow.
No spreadsheets. No accounting. No monthly compliance reports. Just strategic clarity, funding access, and accelerating profitable growth.
How It Works
(the Process)
STEP 1
Take the Free Assessment
10 quick questions. No Spreadsheets. Just insights.
STEP 2
Book a Discovery Call
We’ll go over your score and see if the full BLAST System is a good fit.
STEP 3
Get Your BLAST Report
Receive your custom roadmap + review call to chart your next financial moves.
What Bankers, Owners, and Advisors Say
Banker
Phil helps his clients get organized and positioned for growth, for financing to support the growth, and for improved business performance. We trust him. We regularly refer Phil as an important resource for our clients and potential clients. He provides sophisticated financial consulting. Phil's advice helps the bank to lend more money into a lower-risk situation.
— Doug Yaremko, MBA Former Director, Scotiabank
Owners
Phil's advice helped us to dramatically increase our business and personal wealth. Our financial worth has increased substantially.
— Teresa Hensrud
Industrial Scale Ltd.
Phil has a unique talent to see the value in your business that we can't see ourselves, and then to develop powerful strategies that enhance this value and drive profitable growth in your business.
— Kevin Pare
KSP Technology
I highly recommend Phil Symchych if you are serious about growing your business, increasing revenues and profits, and creating more freedom in your business.
— Marlaine McCauley, President
Apex Facility Resources, Inc.
Owners
I consider investing in your services to be one of the best returns on investment I have ever received.
— Larry Mything
Kozey Holdings Ltd. and Tim Hortons Franchisee
Even though his services may seem expensive, we definitely received a return on our investment. Phil's product is something you pay for now, but you use it throughout your lifetime. It's very valuable.
— Zlatan Fazlagic, Founder
Look Agency
SMEAGMG
My Professional Background
CPA: I understand financial statements and what bankers need to see, and the bias some accountants have to minimize taxes, which makes their clients less bankable
MBA: I understand business strategy, marketing and growth planning
CMC (Certified Management Consultant): I understand operational excellence and process improvement
ICD.D (Institute of Corporate Directors): I understand governance, risk management, and board-level thinking
34+ Years Experience: I've worked with hundreds of clients across 65 industry segments in 7 countries
This isn't my first banking conversation. I know what you need to approve a loan, and I know how to help clients present their case professionally.
Ready To Get Started?
Choose your path:
BANKERS
Refer a Client
You have clients who need strategic CFO guidance to become more bankable. Let's discuss how we can work together to serve them better.
BUSINESS OWNERS
Get Growth Capital
Stop accepting "no" from bankers. Get the Grumpy CFO® Capital Confidence System™ and unlock the capital your business deserves.
CFOs & ACCOUNTANTS
Join the Community
Build a strategic advisory practice using proven tools and methodologies. Join the early interest list for the Grumpy CFO® Community launching in 2025.
Every month you wait is another month of missed growth opportunity. Don't let easily fixable problems hold you back.
Professional Affiliations
Chartered Professional Accountants Canada
Certified Management Consultants
Institute of Corporate Directors
Duct Tape Marketing Certified Consultant
Phil Symchych, CPA, MBA, CMC, ICD.D
The Business Wealth Builder®
The Grumpy CFO®
Originally Established 1994®
CONTACT
PHIL SYMCHYCH
(Toll-free North America)
Regina, Saskatchewan,
Canada
© 2026 Grumpy CFO. The Business Wealth Builder® and The Grumpy CFO® are registered trademarks. All Rights Reserved.