Finance Operations.

Convert target margin to correct price. Not markup.

Operators consistently underprice by confusing markup for margin. This resolves it.

True hourly labor cost after taxes, insurance, and overhead.

Your fully-loaded labor cost per hour. The number your estimates should be built on.

Verify estimate margin before submitting.

Submit bids knowing exactly what margin you are accepting before the job starts.

Revenue and units required to cover all costs.

Fixed cost, variable cost, and price — resolved to the revenue floor you must hit.

90-day cashflow projection from burn and receivables.

Forward visibility into cash position. Know when you run out before it happens.

Months of operation remaining at current burn rate.

Cash on hand divided by true monthly burn. The only metric that matters in a downturn.

Accounts receivable aging — current, 30, 60, 90+ buckets.

Aging analysis for every open invoice. Collections priority and recovery probability.

Annual income target → minimum billable rate.

Work backward from income goal to the hourly floor. Accounts for non-billable hours.

Customer acquisition cost, LTV:CAC ratio, and payback period.

Full customer economics: what it costs to acquire, how long to recover, and lifetime value.

Business valuation via revenue multiple, EBITDA, and DCF.

Three-method valuation: revenue multiple, EBITDA multiple, discounted cashflow. Side by side.

Real estate NOI, cap rate, cash-on-cash return, DSCR.

Investment property economics. Net operating income, debt service coverage, and yield.

Retainer pricing from team cost, utilization, and target margin.

Set retainer pricing that accounts for team cost, bench time, and margin at the account level.