Know your numbers. Make better decisions. Keep more of what you earn.
ATA Advisory Group pairs an accountable advisor with ATA Metrics, so owners see where the business stands, what lies ahead and what to do next.
| Line | Nov | Dec | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Own cash | 100.0 | 61.8 | 57.5 | 100.0 | 91.2 | 66.4 | 29.6 | 8.8 | 59.0 | 59.8 | 100.0 | 100.0 |
| Borrowed on line | none | +13.2 | +17.4 | none | none | +8.6 | +45.4 | +65.9 | none | none | none | none |
| Repaid | ✓ (30.1) | none | none | ✓ (20.5) | none | none | none | none | none | none | ✓ (48.0) | ✓ (12.2) |
| Month-end cash | 100.0 | 75.0 | 75.0 | 100.0 | 91.2 | 75.0 | 75.0 | 74.8 | 59.0 | 59.8 | 100.0 | 100.0 |
| Below minimum | none | none | none | none | none | none | none | (0.2) | (16.0) | (15.2) | none | none |
| Line balance | 19.9 | 33.0 | 50.5 | 30.0 | 30.0 | 38.6 | 84.1 | 150.0 | 150.0 | 150.0 | 102.0 | 89.8 |
Month-end cash: where it comes from
Next 13 weeks of cash
Owners make the big calls — pricing, hiring, borrowing — with last month’s bookkeeping report and instinct. Generic advice rarely fits, and a full-time CFO costs $200,000 or more.
We show you what is coming — a cash squeeze in late January, a margin slipping on installs — weeks before it arrives, and what to do about it.
Ask a question in plain English. ATA runs it through your own numbers, shows what changes, and lets you switch the levers on and off. Your advisor reviews it with you before you commit.
Higher borrowing costs, tighter margins and lenders asking for more have raised the stakes on every financial decision. Owners need forward-looking judgment — on cash, pricing, hiring and financing — more than another report.
Most growing businesses need that judgment without the cost of a full-time executive. Our engagements are a standing monthly advisory relationship, scoped to each business after its Health Check and priced at a fraction of a full-time CFO.
Technology does the gathering and the arithmetic. Your advisor does the thinking — and is accountable for it.
A senior finance professional who knows your business, reviews every figure and stands behind every recommendation.
Your books and bank data, organized around the measures that matter in your industry — with forecasts and early warnings.
Review, decide, act. A standing meeting and a written plan, so decisions are made deliberately — not under pressure.
Invoice-level forecasts show where the pressure points are — and what your credit line can and cannot cover.
Each month, the levers ranked in dollars: price, volume, cost and overhead.
The figures that matter for a contractor, a restaurant or a clinic — with reporting lenders and boards respect.
A standing monthly meeting, a written plan and follow-through, so decisions actually get made.
Moments from a typical month — the kind of answers that arrive before you have to ask. Sample company.
An honest view of the usual options. Many owners use more than one — we work alongside them.
| BOOKKEEPER ALONE | SOFTWARE ONLY | FULL-TIME CFO | ATA ADVISORY GROUP | |
|---|---|---|---|---|
| Records what happened | Yes | Yes | Yes | Yes |
| Forecasts cash weeks ahead | Not typically | Partly | Yes | Yes |
| Measures built for your industry | Not typically | Partly | Partly | Yes |
| Someone accountable for recommendations | Not typically | Not typically | Yes | Yes |
| Works alongside your bookkeeper and CPA | Not typically | Not typically | Partly | Yes |
| Lender-ready reporting | Not typically | Partly | Yes | Yes |
| Typical cost | Monthly fee | Monthly subscription | $200,000+ a year | A fraction of a full-time CFO |
A complimentary review of your last twelve months, prepared by an advisor. Engagement options and fees are discussed afterward — only if there is a clear fit.
Each engagement starts from an industry playbook — the handful of measures that decide how a contractor, a restaurant or a clinic is really doing.
Cash through slow seasons, pricing that keeps up with costs, staffing you can afford.
Runway you can trust, the true cost to win a customer, investor-ready reporting.
Budgets, lender packages and covenants, and acquisition analysis.
“Our bank wanted a 13-week cash flow forecast before renewing our line of credit. That used to cost me a weekend in spreadsheets. ATA built it from our own books in a day — and the banker’s questions were answered before he asked them.”
“Every month I get the numbers I actually run the business on — margins by product line, who is paying slowly, where cash will be in a few weeks — within days of the close, not a month later.”
If you’re making decisions about pricing, hiring or borrowing, yes — and a monthly advisory relationship gives you that judgment for a fraction of a full-time salary.
They record the past and handle tax. We use those numbers to help you decide what comes next — and we work alongside them, not instead of them.
Most are. The Health Check shows what needs attention first, and we coordinate any clean-up with your bookkeeper.
Your numbers are updated as the books close, you receive a short written summary of what changed and why, and we meet to agree on the next steps — with a plan and owners for each.
Your bookkeeper keeps the books and your CPA handles tax. We bring forward-looking analysis and a clear monthly plan — and send questions their way, not work away from them.
Information for partners →We never move money or change your books.
Your data is never sold and never used to train AI.
Technology does the busywork; your advisor approves every figure and recommendation.
No commissions from software vendors, lenders or providers.
A Health Check answers that from your own numbers — then we talk about what’s ahead for your business.