Whether you need to stabilize cash flow, restructure your debt, or plan a management change, Thornton CFO wants you to know....
Your Peace of Mind Is In Reach
Let's chart a roadmap to your success.
Your business is your legacy.
You’ve sacrificed a lot for your business, and you’ve invested even more: your heart, your time, and your energy.
Let me help you reach your financial goals. I have over forty years of experience in doing exactly that. I am a recovering banker, and for the last twenty years, I have been working directly with small business owners.
At the end of the day, you want to go home to your family, to celebrate those wins, big and small, to enjoy the fruits of your labors. As the husband of a small business owner and the father of four myself, I want the same thing for you. So let’s roll up our sleeves together and make it happen.
Does This Sound Like You?
You have goals. You are just not certain how to achieve them.
You want your business to be more profitable. You want to grow your team and plot out a succession plan. You want to spend more time with your family.
You are a survivor.
You are an experienced business owner who has been in business at least 3 years.
You are not struggling.
You are past the point of worrying about making payroll every week, and you have sufficient business cash flow to cover your debt service.
But you have hit a plateau.
You want your business to grow and prosper, and you want to operate more efficiently.
Support & Guide
What We Can Do For You
My solution is not going to be a list of everything you are doing wrong in a three-ring binder full of reports. I want to partner with you to help you reach those financial goals. My services include:
Business Planning
We'll set goals and priorities and plug them into a spreadsheet to track. Some narrative is required but mainly it’s about the numbers. A different, less intimidating approach.
Transforming Reports into Management Tools
We will find the reports that help you. We’ll spend time analyzing those accounting reports that are piling up on your desk and then you can use them to better manage your business.
Cash Flow Management
We'll explore how to tighten the invoicing, accounts receivable, and A/R collection process to improve cash flow and set weekly or monthly goals for invoice totals.
Networking
I can introduce you to a compatible CPA or commercial insurance agent using my contacts in those professions. They work for you, so they need to be accessible and have your best interests at heart. We'll interview them and find the best match.
Debt Restructuring
You may not have a commercial lender that pays attention to your business or you find that your lender is not creative enough. I have many sources and many years of experience in helping business owners place or refinance debt.
Get to know John
You don’t want to spend those long hours in the evening crunching numbers, but the financial side of a business is one of the most challenging and most pivotal factors for small business owners. You have your spreadsheets and budgets and dreams. You’re just not certain if you’ve reached the point where you can give your team a raise, do those building renovations you’ve been talking about for years, purchase that equipment that will make everyone’s job more streamlined…
As a fractional CFO, I work with small business owners on an hourly or monthly basis. I provide the strategy and advisory services of a Chief Financial Officer, but in a capacity that allows you more flexibility on a budget.
My solution is not going to come to you in a three-ring binder. I want to partner with you to help you reach those financial goals. We’ll sit down and walk through your spreadsheets and budget together, and we will come up with an actionable plan to make it work for you in your timeframe.
The Roadmap to Your Goals
Let's roll up our sleeves and work on it, so you don't have to work in it.
Get To Know You
We will go over what my role will be as your fractional CFO. I am your partner in this, and no partnership can work without a relationship built on trust. Let's get to know one another.
Establish Priorities
We will come up with a plan together and lay out the goals you have for your business and the timeline in which you want to achieve them.
Plot Your Path
We'll discuss how you can better manage your business and delegate some responsibilities so you can spend more time away from the desk.
A Financing Atlas
We'll study your debt load. Is it time to refinance? Is now the time to look at expanding? Do you have a good relationship with a lender?
Hire An In-House CFO
With the amount of progress we make together, you will be able to afford a CFO. I aim to work myself out of a job!
Trusted Advisor
Our firm has worked with fractional CFO’s for almost three decades. The value of their experience, insight, and resources are invaluable to entrepreneurs. John Thornton is among the best we have ever worked with. John and his team have made a positive difference in all our engagements. There is no one we could recommend more highly, in any environment.
Pat Trammell
Southeastern Commercial Finance, LLC
John worked with me for several years in his role as a part-time CFO for one of my companies. His insight and hands-on participation were very valuable. I anticipate that I will engage him again in the future for special projects.
Guenther Huber
Ornametals Manufacturing
I have worked with John for the last few years first as my lender but now as a trusted business advisor. He has introduced me to a business planning process that is goal-oriented using historical financial information and projections.
Daniel Williams
DW Designs, LLC
John worked very closely with my wife and me when we were in the process of purchasing our business from my wife’s parents. He was there every step of the way in educating us about the financing process and terminology and we still utilize him as an advisor.
J.W. Church
J&M Cylinder Gases, Inc