What Strategic Finance Did for a Mid-Market Services Business

How a Seasonal Company Recovered Liquidity, Regained Control, and Secured New Capital in Just 7 Days

A fast-growing seasonal business had strong customer demand and ongoing access to equipment financing. But beneath the surface, the financial condition had deteriorated to a dangerous level. The business was in a fragile position and without immediate intervention, was at serious risk of tipping into distress.

What Financiario Found

• Cash was tight.

• The business didn’t have enough liquidity to cover short-term bills without borrowing.

• Debt payments were unaffordable.

• By 2025, cash flow only covered half of what was owed on loans.

• The company was upside down.

• Liabilities were higher than assets. On paper, it had negative net worth.

• Margins collapsed.

• Profits turned into steep losses, with net income falling to –21% of sales.

• Dividends were still being paid.

• $130K was distributed despite losses and a nearly $1M deficit damaging lender trust.

• No financial leadership.

• No CFO. No internal oversight. Just bookkeeping and unaudited numbers.

• No access to bank credit.

• Only equipment lenders were still funding and only because they could repossess.

WHAT HAPPENED NEXT

Given the severity of the situation, the leadership team engaged Financiario immediately.

Within 7 days, the company transitioned from blind spots and spreadsheet chaos to a fully integrated, real-time strategic finance system capable of tracking liquidity, margin, debt, cash flow, and long-term capital capacity.

WHAT FINANCIARIO DELIVERED

• A 60-month institutional-grade model, tied directly to historical audits and real-time actuals

• A rolling forecast and liquidity tracker, updated monthly and weekly for short- and long-term cash planning

• Dashboards presenting real-time financial health, covenant monitoring, and funding capacity

• Scenario planning for dividends, expenses, and loan structures run with live data

• Variance analysis through the most recent closed month, supporting internal accountability and lender conversations

• A full strategic capital plan aligned with revenue, margin, debt amortization, and reinvestment strategy

• Lender-ready outputs and documentation to support immediate financing applications

THE OUTCOME

Armed with real visibility, the business paused dividend distributions, implemented expense controls, and stress-tested repayment schedules based on actual operating cash flow.

They deferred a $5M equipment purchase that would have breached covenants, flagged and halted a $1.2M underperforming project, and pre-arranged financing to cover a projected $7M liquidity shortfall before it became critical.

Most importantly, they secured new capital with lender confidence fully restored.

STRATEGIC FINANCE, DELIVERED ON TIME

Instead of spiraling further into financial distress, this business turned things around fast. With Financiario’s system in place, leadership stopped reacting to problems and started making informed, strategic decisions with confidence.

This wasn’t a report.

It was a system.

And it was delivered in 7 days.

Ready to stop reacting and start leading?

Financiario gives you the system, strategy, and foresight you’ve been missing.

Book a demo → financiario.com