Flagship Financial | SME Finanial Data Audit & Road Map
The 3 Stage Solution
Most businesses have hidden "holes" in their finances - profit leakage, trapped cash & inefficiency. Our SME Financial Data Audit & Road Map uses a forensic 3 year analysis to identify these gaps, fix them, and prepare your business for real growth.
The Audit & Road Map
How we move from data to dollars.
Fact Find
Collecting 3 Years of P&L and Balance Sheet data.
Forensic Analysis
Applying 13 financial ratios to find trends.
Action Plan
Plugging holes & developing a road map.
The 13 Pillars of Health
We don't just look at the bottom line. We analyze 13 specific financial ratios across 4 categories: Profitability, Strength, Cash Cycle and Efficiency.
The chart below visualizes a typical client's "Health Shape". A balanced shape indicates a robust business. But dips toward the center indicate weaknesses that the banks will question. We help you identify them & fix them.
- Profitability: Are margins eroding?
- Strength: Is debt too high?
- Cash Cycle: Is cash trapped in stock?
Example Data: Client vs. Industry Benchmark
Quantifying the Opportunity
By benchmarking your current performance against your own "Best Year", we can calculate exactly how much profit and cash is leaking from the business. This isn't theoretical - it's recoverable capital.
Financial Impact Analysis
Cash Cycle Velocity (Days)
Are you acting as a bank for your customers? High "Debtor Days" means your cash is in their bank account, not yours.
The Green Light for Lending
Banks look at two critical numbers: DSCR (Debt Service Coverage Ratio) and ICR (Interest Coverage Ratio).
Before we submit an application, we calculate your "Adjusted EBITDA" to ensure you pass these tests. If you fail, we use the "Hole Finder" strategies to fix the numbers before the bank sees them.
DSCR (Target > 1.5x)
Pass
ICR (Target > 2.5x)
Pass