Fractional CFO for small business owners

Take finance off your plate. Get it back decision-ready.

Magani gives small business owners a senior finance leader with more than 20 years of finance experience. Cash forecasts, collections, and monthly reporting built from your books, explained in plain English.

Book a call with Beata See how it works
“When she explains something, you walk away actually understanding it.”
Head of Operations, consumer health company

About two hours a month of your time.

Especially strong with ManufacturersConsumer product brandsAmazon and direct-to-consumer sellers
Our mission

Give every small business owner their finance hours back.

The owner's view

Sound familiar?

I'm not sure we can cover payroll six weeks from now.

The cash forecast is a spreadsheet that is wrong by week three.

Customers pay late and nobody owns the follow up.

Receivables creep up and cash gets tight without warning.

Which customers and products actually make money?

Margins are a guess until someone digs into the books.

The bank keeps asking for more reports.

Lender requests get heavier every quarter and eat your evenings.

Can we afford this hire or this purchase?

Big decisions get made on gut feel because the numbers take too long.

Month end takes weeks.

By the time the numbers arrive they are already out of date.

What changes

What working with Beata changes

You see cash 13 weeks ahead

No more payroll surprises. You know the tight weeks while there is still time to act.

Customers pay faster

Someone finally owns collections, so overdue invoices get followed up every week.

Big decisions get easier

Hiring, buying, or borrowing, you get a clear answer grounded in your own numbers.

Your evenings come back

One monthly review replaces hours in spreadsheets, about two hours of your time a month.

Not ready to talk yet? Ask an AI CFO.

Ask any cash or finance question, or paste an alert from your bank or accounting software, and get a plain-English answer. AI tells you what is happening. Beata helps you decide what to do about it.

Ask an AI CFO
Your finance lead

Meet Beata, the person behind every number

20+years in finance
12+years at EY in financial planning and analysis
Small businessbig-company discipline, now sized for owners like you
Hands-onshe does the work herself, no hand-offs

Beata spent more than 12 years at EY in financial planning and analysis, building the forecasts leadership used to make decisions. She also owned global budgeting and variance reporting at a Fortune 100 pharmaceutical company.

More recently she supported finance at a manufacturer operating in five countries and at a consumer products business selling direct to consumer, wholesale, and on Amazon.

She now leads AI workflow automation for a finance advisory firm, building tools that make forecasting and reporting faster and the whole team more productive.

MBA in Finance BS in Accounting AI Workflow Automation for Finance
In their words

What it is like to work with Beata

Beata built our forecast systems that brought real visibility to our financial data and empowered the entire leadership team to make decisions grounded in facts, not assumptions.
CEO and FounderConsumer health company
She made financial collaboration feel easy. When she explains something, you walk away actually understanding it.
Head of OperationsConsumer health company
How it works

Your finance lead, without the full-time hire

  1. Meet Beata

    A 20-minute call where she learns how your business makes and spends money, and what keeps you up at night.

  2. She builds your numbers

    Working from your QuickBooks Online books with read-only access, she sets up your cash forecast, collections tracking, and monthly reporting.

  3. You decide together

    A monthly review where she explains what changed, what it means, and what to do next.

One person who knows your business. Every number explained.

Modern tools, including AI, handle the routine work, so Beata's time goes to your decisions.

See it

See a weekly cash review

Click any figure to see what is driving it.

Sample Products Co.Weekly cash review
Sample data, not a client

13-week cash forecast

Projected ending cash each week

13-week cash forecast Cash starts at 184,000 dollars, falls to a low of 41,000 dollars in week 7, then recovers to 161,000 dollars by week 13.
Projected cashMinimum cash buffer $60,000

Receivables aging

Open invoices by days since due date

Tap a tile, the week 7 point, or any aging bar.

Want this for your business?

Start with the $1,000 Diagnostic
An owner like you

One week with Beata, start to finish

Maria runs Sample Products Co., the company in the sample above. Here is how one tight week plays out. An illustration, not a real client

  1. Monday morning

    The worry

    Maria has a feeling cash is getting tight, but the bank balance says $184,000. She cannot tell if she should worry, and she has a big supplier order to approve.

  2. Monday afternoon

    The forecast flags it

    The 13-week forecast shows cash dropping to $41,000 in week 7, below her $60,000 buffer. A $62,000 supplier payment and payroll land before three overdue customer invoices come in.

  3. Tuesday

    A 30-minute call with Beata

    Together they decide. Ask the supplier to split the payment across weeks 7 and 9, call the three late customers for firm dates, and line up the credit line as a backup.

  4. Week 7

    Payroll goes out on time

    With the payment split, the low point stays around $72,000, safely above her buffer. Maria approves the new order with confidence, and spent about two hours on all of it.

The forecast told her what was happening. Beata helped her decide what to do about it.

Scope

What Beata does and does not do

What she does

  • 13-week cash forecasting
  • Collections and days sales outstanding tracking
  • Monthly reporting and a KPI summary
  • Margin visibility by customer, product, or job once your books are ready
  • Pricing and margin reviews, so you know which products and customers to grow
  • Budgeting and scenario planning
  • Lender and bank reporting packages built from your books
  • Fast answers to "can we afford this" questions

What she does not do

  • Bookkeeping
  • Tax preparation or filing
  • Audits
  • Legal advice

If your books are not ready, she will tell you plainly and connect you with a bookkeeping partner. Then she comes back and takes over from there.

Three ways to work together

Start small. Go as deep as you need.

One week

Diagnostic

Starts at $1,000

A fixed-fee, one-week review. Beata scores the health of your books, then delivers a 13-week cash forecast and the top three places cash is leaking. You keep the results whether or not you continue.

30 days

Takeover

A 30-day handover. Beata takes over your recurring finance work, sets up your monthly reporting rhythm, forecast, and collections tracking, and agrees with you on the numbers that matter.

Ongoing

Ownership

Ongoing support. Beata runs the weekly cash forecast, watches collections, holds a monthly review call with you, and gives you fast answers when decisions come up.

Founding clients

Founding clients get the Diagnostic at a reduced rate in exchange for honest feedback.

Ask Beata about it

Takeover and Ownership are priced to your business and shared on the intro call.

FAQ

Questions owners ask

Something else on your mind? Bring it to the intro call.

Who will I actually work with?
Beata, directly. No hand-offs to junior staff.
What does it cost?
The Diagnostic starts at $1,000. Takeover and Ownership are priced to your business and shared on the intro call.
How quickly will I see results?
Within a week. The Diagnostic delivers your 13-week cash forecast and the top three places cash is leaking.
Does Beata replace my bookkeeper or my CPA?
No. She works alongside them. They keep the books and the taxes, and she turns the numbers into forecasts and decisions.
Do I need QuickBooks Online?
Yes, her process is built around it. If you use something else, ask Beata on the call.
How much of my time does this take?
About two hours a month once everything is set up.
Does Beata use AI?
Yes, for routine work like pulling data and drafting reports. Beata reviews every number and makes every recommendation herself.
My bank or accounting software already has an AI CFO. Do I still need Beata?
Those tools are good at spotting what is happening, like a cash dip coming or a customer paying later. They do not know your customers, your suppliers, or what you are willing to risk. Beata helps you understand what the alerts mean and decide what to do about them, then follows through with you.
Is my data safe?
Beata uses read-only access to your accounting data and treats it as confidential.
How do we start?
Book a 20-minute call with Beata. If it is a fit, you start with the Diagnostic.
For bookkeepers and CPAs

Refer a client who needs more than clean books

Beata works alongside you, never around you. You keep the books and the taxes. She turns the numbers into forecasts and decisions your client can act on.

Talk to Beata about referrals

Get your finance hours back

Twenty minutes with Beata. No pitch deck. She will talk you through where cash surprises you and whether she can help.

Book a call with Beata