Tier 2

Financial Diagnostic

Find out what your financial data is actually telling you. A structured, CFO-level analysis — delivered as a ranked report with actionable recommendations.

Buy Now — $497

The Problem

You get a P&L once a quarter. It's 45 days old. It tells you what happened — not why. Not what to do about it.

You have the data. Nobody has sat down and interpreted it for you.

You're making pricing, hiring, and investment decisions on gut feel — and you know it.

The Solution

Drop in your P&L, balance sheet, and AR aging as CSVs. The Financial Diagnostic runs a structured analysis across five modules and delivers a ranked report.

Every finding is labeled CRITICAL, WARNING, or OBSERVATION — with a plain-English explanation and a specific recommendation.

You'll know exactly where to focus, what's urgent, and what to watch.

Five Analysis Modules

Revenue Analysis

Revenue trends, concentration risk, recurring vs. one-time mix, and anomaly detection.

Margin Health

Gross margin, operating margin, EBITDA proxy, and margin trajectory over time.

Expense Patterns

Expense concentration, payroll ratio, OpEx vs. revenue growth, unusual items, and missing categories.

Balance Sheet

Liquidity ratios, leverage, working capital, asset quality, and equity structure.

AR Aging

Aging distribution, customer concentration, days sales outstanding, and bad debt risk.

Executive Summary

Cross-module synthesis with overall health assessment. Ready to share with your board, lender, or leadership team.

What Findings Look Like

CRITICAL

Revenue Declined 18% Over Three Periods

Revenue has fallen from $2.4M to $1.97M over the last three reporting periods while operating expenses remained flat. At this trajectory, the business will face a cash shortfall within 90 days.

Recommendation: Conduct an immediate review of customer churn and pipeline. Adjust operating expenses to match current revenue run rate.

WARNING

40% of Receivables Are 60+ Days Overdue

AR aging shows significant collection delays. $184K of $460K total receivables are past 60 days. This may indicate a collections problem masquerading as a revenue problem.

Recommendation: Implement a structured collections process. Consider offering early payment discounts for the top 5 delinquent accounts.

Who This Is For

  • Companies with 10–100 employees and $1M–$20M revenue
  • Owners who get financials but don't know what they mean
  • Companies approaching a bank, lender, or investor
  • Businesses where decisions are made on gut feel
  • Controllers who need a structured second opinion

What You Need to Run It

  • Required: P&L export (CSV) + Balance Sheet export (CSV)
  • Optional: AR Aging (CSV) for deeper analysis
  • Python 3.9+ installed on your computer
  • No API keys. No internet connection. No cloud.
  • Run time: seconds

Get Your Diagnostic for $497

Financial Diagnostic

$497

  • Full diagnostic report (all 5 modules)
  • Ranked findings with recommendations
  • Executive summary
  • Getting Started guide
  • One purchase — run it every month
Buy Now — $497

Your Diagnostic Will Point to the Next Step

If expenses are the problem

Automation Audit (Tier 3)

Your diagnostic found expense concentration, high payroll ratios, or ops inefficiency. The Automation Audit maps every manual process and builds a 90-day fix plan with ROI.

$1,497

Learn About Tier 3
If the close is the problem

CFO Close (Tier 4)

Your diagnostic found stale financials, inconsistent close timing, or balance sheet anomalies. The CFO Close runs 15 automated steps and delivers a board-ready package.

$2,997

Learn About Tier 4

Not Ready for the Diagnostic?

Start with Tier 1: Spreadsheet Kit ($97) — get your accounting documented first. Or take our free Financial Health Checklist to see where you stand.

What Happens After the Diagnostic?

Every diagnostic tells a story. CRITICAL findings about expenses lead to Tier 3. Findings about the close lead to Tier 4. The diagnostic shows you which path to take.