Funding Frustrations?

Discover what's blocking your access to capital

Profit Problems?

Fix Your Financial Blind Spots

See where you're actually making (or losing) money

Growth Stalled?

Break Through Your Ceiling

Scale from $3M-$50M without the chaos

Building to Sell?

Maximize Your Valuation

Increase what buyers will pay for your business

Not sure which problem to tackle first?

Free Assessments

  • BLAST™ Borrowing Power Assessment

  • Growth Ceiling Assessment

Free Guides

  • The Funding Readiness Checklist

  • Profit Leaks: Where Your Money Goes

  • The Growth Bottleneck Diagnostic

  • Valuation Multipliers Explained

Ongoing Learning

  • Blog: Strategic Growth Insights

  • Newsletter: The Grumpy CFO Weekly

  • Fractional CFO Guide

Book Phil

  • Hire Phil to Speak

  • Phil's Book: "The Business Wealth Builders"

Three Numbers Your Banker Already Knows

Balance Sheet Fundability Calculator

Most business owners don't know these numbers exist.

Their accountant never mentioned them. Their banker never explained them. And every year that goes by without understanding them is another year of borrowing capacity left on the table.

These aren't complicated. They're three numbers from your balance sheet. But they're the difference between a banker who calls you back and one who sends a polite letter saying no.

In two minutes, you'll know exactly where your business stands.

Three Numbers Your Banker Already Knows

Your banker pulls these three numbers before your meeting. Now you can too. It takes under five minutes.

✓ Plain English interpretations of every number

✓ Branded PDF report you can share or save

Free. No credit card. No software to install. By continuing, you agree to receive occasional emails from Grumpy CFO®. Unsubscribe any time.

What you'll find inside:

1

The one number that quietly kills borrowing capacity while your accountant calls it good tax planning.

2

The ratio bankers use to decide if you've got room to borrow more, and what a healthy number actually looks like.

3

The short-term health check that tells your banker whether you can handle new debt right now.

Already know your three numbers and want to go deeper?

Book a call with Phil to discuss your balance sheet and how to make your business more fundable.

The Grumpy CFO® | grumpycfo.com

Strategic CFO and Growth Expert for Mid-Market B2B Companies

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