Finnovate Advisors combines clean books, decision-ready reporting, and fractional CFO guidance in one dependable monthly rhythm—so owners can protect cash flow, understand profitability, and grow with greater control.
Co-founders Kathy Bartlett and Stephen Hartley each bring more than 20 years across finance, operations, executive leadership, and P&L management.
Months of runway at current burn
Rolling 12-month cash projection updated with every monthly close.
The books may be getting done, but reporting is late, hard to interpret, or disconnected from the decisions that matter most.
Categorization drifts, reconciliations lag, and every report starts with a question about whether it is right.
Month-end closes weeks after the decisions were already made, so the numbers describe history instead of guiding action.
Top-line growth hides which services, jobs, or locations actually carry the business.
Payroll, taxes, and growth spend all compete, and nobody can say with confidence what next quarter looks like.
Hiring, pricing, and expansion get decided in the dark because the financial picture is not decision-ready.
The setup that worked at one location and three people quietly breaks at five locations and thirty.
Our approach is built around a reliable monthly financial cadence, not reactive support that shows up only at tax time. The goal is better control, fewer surprises, and clearer decisions over time.
Core, Build, and Insight are designed to meet you where the business is today — and grow from there.
Core
Get the foundation done right
Build
Stronger reporting for growing businesses
Insight
Ongoing guidance for bigger decisions
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Co-Founder
Kathy co-founded Finnovate Advisors to help owners build the financial structure and discipline needed to grow with confidence. She brings more than 20 years of experience across finance, operations, and executive leadership, including work as a fractional CFO with startups and growth-stage companies. Kathy helps clients strengthen reporting, improve cash flow visibility, and build financial systems that support better decisions.
Connect on LinkedIn →
Co-Founder
Stephen co-founded Finnovate Advisors to help owners connect stronger financial visibility with better business decisions. He brings more than 20 years of leadership experience across growth strategy, commercialization, and P&L management. Stephen helps clients connect the numbers to decisions around profitability, pricing, staffing, and growth.
Connect on LinkedIn →We model the fully loaded cost of the role against your cash position, seasonality, and contribution margin — so the answer is a date and a number, not a hunch.
Revenue is not profit. We break results down by service line, job, or location so you can see what actually carries the business and what quietly drains it.
Monthly margin tracking against prior periods and targets, with the drivers named: pricing, labor, materials, or scope creep.
A rolling cash forecast that reflects real commitments — payroll, taxes, debt service, and planned spend — updated with every close.
Before a new location, product, or market, we pressure-test the plan against cash, margin, and operating capacity — and tell you what has to be true first.
Digital intake, structured onboarding, and a close schedule you can plan around.
A short conversation about where the business is, what is working, and what is not. No tier decision required.
We look at the current books, platform, and reporting to see what needs cleanup and what needs structure.
Chart of accounts, QuickBooks Online configuration, historical cleanup, and the reporting package you will actually use.
A dependable close, delivered on schedule — profit and loss, balance sheet, and the KPIs that fit your model.
Review conversations that connect the numbers to hiring, pricing, margin, and growth decisions.
Let’s make the financial side match.
