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Clarity

Naveen Meagher

Minnesota

ChatGPT can give you quick answers but not long-term complex & strategic solutions. Need more than a band-aid?

If your business generates $2M to $10M in annual revenue, and if you have outgrown your finance capabilities, then you need a finance partner who can help you understand the numbers, make better decisions, improve profitability, and confidently plan what comes next.

I provide hands-on Fractional CFO, FP&A, financial modeling, cash flow, and strategic finance support to startups and small-to-mid-sized businesses that need experienced financial leadership without the cost of a full-time CFO.

I bring 15+ years of financial management experience spanning Fortune 500 companies and growing businesses, along with an MBA in Finance from the University of Florida. My background includes managing and supporting multi-billion-dollar businesses, complex capital investments, ecommerce and retail operations, real estate development, energy projects, and high-growth companies.

My clients don't hire me simply to prepare another spreadsheet or financial model. They hire me to help answer the questions that actually matter:

• Why aren't we as profitable as we should be?
• Where is our cash going?
• How much cash will we need over the next 6–12 months?
• Can we afford to hire, expand, invest, or take on more debt?
• Which products, customers, locations, or projects are actually making money?
• Are our margins improving or deteriorating?
• What KPIs should management be watching?
• What does the business look like under different growth scenarios?
• Is this investment or project financially attractive?
• How do we turn our accounting data into better business decisions?

HOW I CAN HELP

Fractional CFO & Strategic Finance
• Fractional CFO leadership
• Financial strategy and decision support
• Profitability and margin improvement
• Management reporting and financial reviews
• KPI development and performance management
• Growth and expansion planning
• Executive and management financial support

FP&A | Budgeting | Forecasting
• Annual budgets and operating plans
• Rolling forecasts
• Revenue and expense forecasting
• Budget vs. actual analysis
• Scenario and sensitivity analysis
• Monthly business performance reviews
• Department, product, customer and location profitability

Cash Flow & Financial Management
• 13-week and long-range cash flow forecasting
• Liquidity planning
• Working capital analysis
• Cash burn and runway analysis
• Debt analysis and consolidation
• Cash flow optimization
• Financial process improvement

Financial Modeling & Investment Analysis
• Financial projections and proformas
• DCF models
• ROI, IRR, NPV and payback analysis
• Capital investment analysis
• Project finance models
• Acquisition and investment due diligence
• Risk/reward and sensitivity analysis

Accounting & Financial Reporting Oversight
• P&L, balance sheet and cash flow review
• Month-end financial review
• Accounting process improvement
• QuickBooks financial analysis
• Financial statement cleanup and management reporting
• Coordination with bookkeepers, accountants and CPAs

INDUSTRIES I UNDERSTAND

My experience spans:

I have supported businesses ranging from entrepreneurial companies to major Fortune 500 organizations.

That combination matters.

I understand the financial discipline expected inside a large corporation—but I also understand that an entrepreneur doesn't need corporate bureaucracy. You need clear answers, practical recommendations, responsive support, and someone who understands how financial decisions affect the real business.

WHAT IT'S LIKE TO WORK WITH ME

My approach is collaborative and hands-on.

I don't simply send reports and leave you to interpret them. I dig into the business, understand what is driving the numbers, identify risks and opportunities, and translate the analysis into clear actions management can actually take.

Depending on your needs, I can work as:

Your Fractional CFO — ongoing senior financial leadership

Your FP&A Partner — budgeting, forecasting, KPIs and performance analysis

Your Financial Modeler — projections, investment models, valuations and scenario analysis

Your Strategic Finance Advisor — helping evaluate major business, capital and growth decisions

Or I can step in for a specific financial project when you need experienced support quickly.

NEED A FINANCE PARTNER WHO THINKS LIKE AN OWNER?

Whether you need a Fractional CFO, an FP&A expert, a sophisticated financial model, or simply an experienced finance professional to help you work through an important decision, I'd be happy to learn about your business.

Send me a message with a little context about your business, the financial challenge you're facing, and what you're trying to accomplish.

I'll tell you how I would approach it.

www.profitspear.com

$2.00/min

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Business Analysis Business Valuation Financial Planning Strategic Financial Planning Project Finance Financial Forecasting Budget Development Revenue & Profit Growth Part-Time CFO Services Cash Flow Management

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Accurate Books. Clear Financials. More Confidence in Every Decision.

End-to-end accounting and bookkeeping services that keep your records current, your financial statements tax-ready, and your business prepared for smarter decisions.

Get a dedicated accounting team, transparent pricing, and financial reporting you can trust—without having to hire an in-house accounting team. www.profitspear.com

What better bookkeeping gives you
Clean, reconciled, and current financial records
Tax-ready monthly financial statements
A dedicated accounting team that knows your business
Clear reporting for owners, banks, lenders, and investors

Financial records you can rely on.
Bank, credit-card, cash, merchant, and intercompany reconciliations
Accurate monthly financial statements and general-ledger reporting
Accounts receivable, accounts payable, payroll, and sales-tax accounting
Books organized for tax preparation, financing, and management review

Monthly Bookkeeping
Maintain accurate, current records and close the books consistently every month.
Transaction classification
Bank and credit-card reconciliations
General-ledger maintenance
Month-end close

Financial Statements & Reporting
Receive clear financial reports that support tax preparation and management decisions.
Profit and loss statement
Balance sheet
Cash-flow reporting
Customized management reports

AP, AR & Merchant Accounting
Keep receivables, payables, and payment platforms organized and reconciled.
AR and AP reporting
Stripe/Shopify/Amazon/Merchant reconciliations
Intercompany accounting
Customer and vendor balances

Inventory & Fixed Assets
Maintain better visibility into inventory, equipment, depreciation, and asset values.
Inventory tracking and valuation
Fixed-asset schedules
Complex journal entries
Chart-of-accounts management

Catch-Up & Cleanup Bookkeeping
Bring overdue, inconsistent, or incomplete books back under control.
Historical transaction review
Missing reconciliation cleanup
Account corrections
Tax-ready catch-up reporting

https://www.profitspear.com/accounting-bookkeeping

Institutional-Grade Financial Advisory for Capital-Heavy Project Financing

Profit Spear Consulting develops institutional-grade financial models, lender-ready financing packages, and investment analysis for capital-intensive projects and growing businesses.

We help sponsors, developers, founders, and executive teams demonstrate project economics, debt capacity, investor returns, and financial readiness with clarity and rigor. www.profitspear.com

Financial Modeling & Investment Analysis
• Financial Packages for Lenders and Investors
• Financial projections and proformas
• DCF models
• ROI, IRR, NPV and payback analysis
• Capital investment analysis
• Project finance models
• Acquisition and investment due diligence
• Risk/reward and sensitivity analysis

Clear Project Economics
Revenue, cost, utilization, timing, and operating assumptions all connected in one reliable model.

Complete Capital Strategy
Capital investment, timing, and mix of debt and equity aligned with the project’s cash-flow profile.

Robust Downside Analysis
The base case may be attractive, but capital providers need to understand project risk when assumptions change.

In-depth Due Diligence
Supporting schedules and return calculations are organized to answer detailed lender or investor questions.

Some of our Areas of Expertise:

Energy & Alternative Energy
Green hydrogen
Commercial solar
Fuel cells and storage
Carbon capture
Waste-to-energy

Data Centers & Digital Infrastructure
Data-center development
Energy and utility needs
Phased capacity expansion
Site and project economics

Retail & Business Expansion
Multi-location expansion
Store investment
Warehousing and distribution
New-market entry

Manufacturing & Construction
Production facilities
Equipment investments
Capacity expansion
Construction projects

Ongoing support can include:
✓
Corporate cash-flow forecasting and budgeting
✓
Management, board, and investor reporting
✓
Project-versus-actual analysis and capital planning
✓
Financing strategy and lender communication
✓
Profitability improvement and financial risk management

https://www.profitspear.com/project-finance-capital-advisory

Hands-on Fractional CFO, Accounting, and Financial Advisory for Small Biz

Hands-on fractional CFO, accounting, and financial advisory for U.S. startups and small businesses. Work with seasoned experts. One-time, weekly or monthly.

Profit Spear Consulting gives founders and business owners the financial leadership, accurate reporting, and decision support needed to improve profitability, protect cash flow, and scale without losing control.

We bring the expertise and discipline of a high-performing finance team into your business—without the overhead of building one in-house. www.profitspear.com

https://www.profitspear.com/cfo-services

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Member since August 2026