Tier 3 · Finance Partner · $4,997/mo
Every document a lender asks for already exists
For developers, ADU builders, and 75-door operators: everything in Back Office, plus a forward-looking finance function with a named senior contact. Reconciled by the 7th.
Maturities & covenants
updated at every close| Kern land loan · balloon Mar 2027 | DSCR 1.28 ✓ |
|---|---|
| Fourplex refi · balloon Aug 2027 | DSCR 1.41 ✓ |
| ADU line · matures Nov 2026 | 4 mo runway ⚠ |
| Cash low point · forecast | Feb 2027 |
| Flagged action | refi ADU line by Sep |
Sound familiar?
- You find out about cash crunches when they arrive, not two quarters out
- Lot costs, capitalized interest, and cost-to-complete live in a spreadsheet only you understand
- Every capital conversation starts with “let me pull that together”
- Your balloon dates and DSCR covenants live in your head
What you get
- Everything in Back Office, plus:
- 12-24 month rolling cash forecast across projects and entities, updated monthly
- Debt covenant and maturity tracking: every balloon date and DSCR requirement on one schedule, with runway warnings
- Financing comparisons and kill/proceed input on deals, from a cash standpoint
- Lot-level cost allocation for land · per-unit tracking for ADU builds
- Capitalized carry (interest, taxes, insurance) during development
- Cost-to-complete reporting per project and phase
- Lender and capital packages maintained current: PFS, debt schedules, pro formas
- LP contribution and distribution tracking
- Reconciled by the 7th, reviewed by the 15th · monthly CFO meeting with a named senior contact
A bookkeeper plus a fractional CFO runs $100-140k/year, hired and managed separately. One funded deal pays for years of this tier.
Included allowances, posted add-on rates
Projects are unlimited at this tier. Everything else has a published allowance and a published rate.
| Included in $4,997/mo | Need more? |
|---|---|
| Up to 15 entities | +$150/mo per entity |
| Up to 75 doors · unlimited projects | — |
| 150 bills/mo | +$150/mo per 25 bills |
| 25 employees · 2 payroll states | +$30/mo per employee · +$150/mo per state |
| Monthly CFO meeting | +$400 per additional meeting |
Never metered: questions, calls, emails, lender packages. When your add-ons reach about $2,997/mo, Accounting Department removes the volume limits and adds consolidation and fund accounting. We raise it before you have to.
When you outgrow Finance Partner
You launch a fund or syndication with 5+ LPs, pass 15 entities, face a fund audit, or need consolidated financials across an integrated operation. That’s Accounting Department at $9,997/mo.
Finance Partner questions
Is the CFO work real or a fancier report?
Defined deliverables: the 12-24 month rolling forecast, the covenant and maturity schedule, kill/proceed cash input on deals, and a standing monthly meeting with a named senior contact. In the agreement, not implied.
Do you make investment decisions?
No. We model the cash; you decide. We never execute transfers, trades, or wires. We prepare and recommend; you execute.
Is this built for ADU work?
Yes. Per-unit cost tracking, capitalized carry during the build, and cost-to-complete per phase, built for ADU pipelines and small development.
What does “capital readiness” actually mean?
Your PFS, debt schedules, and project pro formas maintained current, every month. When a lender or capital partner asks, the package already exists. No more ‘let me pull that together.’
Financing the future, not just recording the past?
If your next 12 months include a ground-up, a land deal, or outside capital, this is the conversation. 30 minutes.
Book a fit call