
Discover what's blocking your access to capital
See where you're actually making (or losing) money
Scale from $3M-$50M without the chaos
Increase what buyers will pay for your business
BLAST™ Borrowing Power Assessment
Growth Ceiling Assessment
The Funding Readiness Checklist
Profit Leaks: Where Your Money Goes
The Growth Bottleneck Diagnostic
Valuation Multipliers Explained
Blog: Strategic Growth Insights
Newsletter: The Grumpy CFO Weekly
Fractional CFO Guide
Hire Phil to Speak
Phil's Book: "The Business Wealth Builders"
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.

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.
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.

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

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