Is Your Financial Foundation Ready for What Comes Next?
A Free Business Financial Health Scorecard.

A free 5-minute scorecard for professional service businesses generating $300K to $2.5M in revenue.

Most business owners know something is off before they can name it. Revenue is coming in, the calendar is full, and the business still feels harder to run than it should. That gap is usually the clearest signal of where your business financial health actually stands.

In most cases, the issue is not the business model. It is the financial foundation underneath it. 

A financial foundation is the layer underneath your operations: how accurately your numbers are captured, how quickly you can see what happened last month, whether you know which work is actually profitable, and whether your cash position is something you understand or something you discover. When that layer is weak, growth creates pressure instead of confidence. 

This scorecard covers six foundations that determine whether your finances can support the business you are building. It takes about five minutes. Rate each statement honestly, submit your score, and you will get a clear picture of where you stand and what to do next. 

The Financial Readiness Scorecard

Rate each statement from 1 to 5. Use 1 if it is not true today, 3 if it is partly true, and 5 if it is consistently true. 

Accurate Data
12345
Our financial records are accurate, reconciled, and reviewed regularly.
We can trust that revenue, expenses, receivables, and payables are properly captured.
Our financial function has the right level of expertise and oversight.
Timely Visibility
12345
We know how the business performed last month within a predictable timeframe.
Reports arrive early enough to inform current decisions.
We have a consistent monthly close process.
Meaningful Reporting
12345
Our reports are easy to understand and connected to real business decisions.
We can explain what changed, why it changed, and what needs attention.
Reports inform our pricing, hiring, and growth decisions.
Cash Flow Awareness
12345
We have visibility into expected cash in and out over the next 30 to 60 days.
We understand the factors driving cash flow, including receivables, payroll, payables, and taxes.
We anticipate cash pressure before it becomes urgent.
Profitability Insight
12345
We understand how the business makes money, keeps money, and uses capacity.
We can identify which clients, services, or revenue streams are most profitable.
We know our cost to deliver and which work truly supports the business.
Decision Readiness
12345
We use financial information before making major business decisions.
We are willing to adjust plans when the numbers challenge our assumptions.
We can clearly explain why we need capital and whether the business is ready for it.
Please rate all 18 statements before submitting.

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Your score out of 90

Your foundation has real gaps. The good news is they are fixable.

Score range: 18 to 41  |  Reactive

Your score suggests that accuracy, visibility, or reporting are not yet working the way your business needs them to. Before your next growth move, you need a clear picture of where the gaps are and a structured plan to close them.

The Financial Foundation System is built for exactly this stage. It is designed to give you accurate books, timely reporting, and a clear view of your numbers, so growth decisions are grounded in something real.

A 30-minute conversation with Daniela to map out where your foundation stands and what it needs.

Book a Call with Daniela
Your score out of 90

Some of your foundation is working. The gaps are costing you more than you realize.

Score range: 42 to 66  |  Developing

You have structure in some areas, but there are specific foundations that are not keeping pace with your growth. Those gaps tend to show up as cash pressure, difficult pricing decisions, or financial information you receive but do not fully trust.

The Financial Foundation System can help you close those gaps in a structured way, without disrupting what is already working.

A 30-minute conversation with Daniela to identify the specific gaps and what it would take to close them.

Book a Call with Daniela
Your score out of 90

Your foundation is solid. The next question is whether it is working strategically.

Score range: 67 to 90  |  Ready

Your financial function is in good shape. The conversation at this level is not about fixing gaps. It is about using your financial clarity to make better decisions on growth, capital, and the next stage of the business.

This is where virtual CFO advisory becomes relevant, not as an expense, but as a lever.

A conversation about what strategic financial leadership looks like at this stage of your business.

Schedule a Conversation with Karem

Who we are

Ospino Consulting is a virtual CFO and outsourced accounting firm based in Englewood, NJ. We work with founder-led service businesses that are building something real and need their financial function to keep up. 

We do not do one-size-fits-all. Every engagement starts with understanding where a business actually is, not where it thinks it is. 

Our Financial Foundation System is designed for businesses in the $300K to $2.5M range that are ready to build the structure their growth requires

Ospino Consulting offers virtual CFO, and financial advisory services

Not sure where to start?

A 30-minute call with our team is the fastest way to get a clear picture of where your financial foundation stands. 

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