Contact us
Contact us

Why You Can’t Ignore Your Finances

Small-business cash-flow is fragile. One late invoice or unexpected expense can force you to
juggle bills, miss payroll, or pass up growth opportunities. Without a clear picture of your
finances—today and six months from now—you’re making decisions by guesswork.

Growth Readiness Quiz

How We Help

Step 1
Step 1

Comprehensive Financial Review

We partner with specialized CPAs to audit your P&L, balance sheet, and cash-flow statements. We identify unnecessary expenses, uncollected invoices, or costly loan terms that are draining your resources.
Step 2
Step 2

Rolling Forecast & Budgeting

Based on historical trends and growth targets, we build a 12–18 month forecast that updates regularly. You’ll see exactly where you stand and what happens if revenue dips
or costs rise.
Step 3
Step 3

Tax Planning & Credits

Through our CPA network, we find every credit, deduction, or grant you qualify for—whether it’s R&D incentives, small-business breaks, or provincial programs. We
coordinate with your bookkeeper so year-end surprises are a thing of the past.
Step 4
Step 4

Capital & Debt Strategy

If you need a loan, line of credit, or investor buy-in, we help you assess options, prepare financials, and negotiate terms. You get the best rates possible because you’re armed
with accurate, credible forecasts
business-person-looking-finance-graphs-scaled

What Sets Stegas Apart

80
Integrated with Marketing & Construction
Because we handle your marketing campaigns and construction projects too, we can forecast cash needs down to the month—so you never overextend or scramble to cover a draw payment.
80
Quarterly Business Reviews
Every quarter, we meet (virtually or in person) to walk through actuals vs. forecast. We explain what’s working, where you’re off track, and how to adjust. No finance jargon just clear action items.

What to Expect

Week 1: Financial Discovery
Kickoff call with you (and your bookkeeper, if applicable). We request P&Ls,
balance sheets, aging reports, and any existing forecasts.
Initial “red flag” summary highlighting major areas of concern (cash crunch,
overdue receivables, high-interest debt).
Weeks 2–3: Baseline Model & Gap Analysis
We build a baseline financial model—revenue, expenses, debt service, tax
liabilities.
Present a “scorecard” showing profitability by product/service line and cash-flow
risks.
Weeks 4–5: Forecast & Scenario Planning
Create a rolling forecast that factors in seasonality, planned expenses (e.g., new
equipment, marketing campaigns), and potential downturns.
Run “what-if” scenarios so you can see the impact if revenue dips 10%, costs rise
15%, or a key client leaves.
Month 2: Dashboard Setup & Monthly Reporting
Connect bank feeds and accounting software (QuickBooks, Xero) to a
dashboard.
Deliver a monthly “financial pulse” report: runway, burn rate, margin trends, and
brief commentary.
Ongoing: Quarterly Reviews & Adjustments
Every quarter, review actuals vs. forecast. Update assumptions based on real
performance.
If there’s a major event (new location, loan application, unexpected expense), we
run an ad-hoc analysis so you make decisions from a place of clarity
Cart (0 items)

Create your account