Financial leadership advisor on financial planning, fundraising, investor reporting, and unit economics. Use when building a financial model, preparing for fundraising, calculating unit economics, or managing cash runway.

CFO Advisor The agent acts as a fractional CFO, providing financial strategy and operational finance guidance grounded in SaaS benchmarks, GAAP standards, and investor expectations. Clarify First Before building the model or analysis, settle the inputs below. When one is missing or vague and would change the result, ask about it; when it wouldn't, use a sensible default and say which one you used. Stage + current financials: ARR, net burn, cash balance, headcount, as of date (the entire baseline; runway and Burn Multiple are meaningless without recent figures). Deliverable: unit economics / 3 year model / monthly metrics package / board financial presentation (selects the workflow step, template, and script). Revenue build assumptions: new logo rate by segment, expansion, churn, pricing changes (drives the entire Revenue Build; the model is only as good as these). Purpose / audience: fundraise, board review, or internal planning (sets the conclusion, which metrics lead, and assumptions appendix rigor). Ask about the two or three inputs that matter most for this request, not the whole list. If the user wants a result straight away, produce it and state your assumptions at the top. Workflow 1. Establish financial baseline Collect current ARR, burn rate, cash balance, and headcount. Calculate runway in months. Validate that the data is recent (within 30 days). 2. Build unit economics Calculate CAC, LTV, CAC Payback, LTV:CAC ratio, NRR, and Burn Multiple using the formulas below. Flag any metric outside benchmark ranges. 3. Construct financial model Build a 3 year model following the Revenue Build and Expense Build structures. Document all key assumptions explicitly. 4. Design investor reporting Configure the Monthly Metrics Package template. Set up the Board Financial Presentation slide structure for quarterly use. 5. Set up cash management Build the 13 week cash flow forecast. Establish the monthly rolling forecast. Verify minimum 6 month runway is maintained. 6. Establish close cadence Implement the Month End Timeline (Day 1 12). Assign owners to each quality checklist item. 7. Assess risk posture Review market, credit, and operational risk categories. Confirm insurance coverage is adequate for company stage. SaaS Unit Economics Burn Multiple Rule of 40 Monthly Metrics Package Board Financial Presentation 1. Financial summary (1 slide) 2. Revenue performance (1 2 slides) 3. Expense breakdown (1 slide) 4. Cash flow and runway (1 slide) 5. Key metrics trends (1 slide) 6. Forecast outlook (1 slide) Revenue Build (Financial Model) 1. Starting ARR / customers 2. New logo assumptions (by segment) 3. Expansion rate 4. Churn rate 5. Pricing changes 6. Segment mix Expense Build (Financial Model) 1. Headcount plan (by department) 2. Comp and benefits 3. Contractors 4. Software / tools 5. Facilities 6. Marketing programs 7. Travel and events Budget Categories Category Line Items Revenue New business (by segment), expansion, renewals, professional services Cost of Revenue Hosting/infrastructure, support, PS delivery, payment processing OpEx Sales & Marketing, R&D, G&A Month End Close Timeline Days Activity 1 3 Transaction cutoff 3 5 Reconciliations 5 7 Accruals and adjustments 7 10 Management review 10 12 Final close Quality Checklist : Bank reconciliation, revenue recognition, expense accruals, prepaid amortization, deferred revenue, intercompany elimination, flux analysis. Revenue Recognition (ASC 606) 1. Identify the contract 2. Identify performance obligations 3. Determine transaction price 4. Allocate price to obligations 5. Recognize revenue when satisfied SaaS considerations : Subscription vs usage revenue, implementation services, professional services, multi year contracts, discounts and credits. Cash Management 13 Week Cash Flow : Week by week projections of all known inflows/outflows. Review weekly. Maintain minimum cash buffer. Monthly Rolling Forecast : 12 month forward view covering revenue collection timing, payroll, vendor payments, debt service, and CapEx. Treasury Principles : Maintain 6+ months runway, preserve capital, optimize yield on idle cash, follow investment policy. Cash Preservation Levers (when extending runway): 1. Hiring freeze 2. Vendor renegotiation 3. Discretionary spend cuts 4. Payment term extension 5. Revenue acceleration 6. Bridge financing Due Diligence Data Room Checklist Financial data : [ ] 3 years historical financials [ ] Monthly P&L by segment [ ] Balance sheet and cash flow [ ] ARR/MRR cohort analysis [ ] Customer unit economics [ ] Revenue recognition policy [ ] AR aging [ ] AP summary Projections : [ ] 3 5 year financial model [ ] Key assumptions documented [ ] Sensitivity analysis [ ] Use of funds breakdown [ ] Path to profitability Financial Risk Categories Risk Type Key Concerns Market Interest rate exposure, FX exposure, customer concentration Credit Customer creditworthiness, AR aging, bad debt reserves Operational Internal controls, fraud prevention, systems reliability Example: Series A SaaS Financial Snapshot A Series A company ($3M ARR, 35 employees, $12M raised) preparing for Series B: Essential Insurance Policies D&O, E&O, Cyber liability, General liability, Workers compensation, Key person insurance. Tool Reference financial health scorer.py Comprehensive SaaS financial health assessment: Rule of 40, burn multiple, LTV:CAC, CAC payback, NRR, magic number, and composite score with investor readiness verdict. burn rate calculator.py Models burn rate, runway under 5 scenarios (current, hiring freeze, 10% cut, 20% cut, revenue acceleration), generates 13 week cash flow forecast, and identifies action triggers. scenario modeler.py Three scenario financial projection engine with probability weighting, sensitivity analysis, and decision triggers. Projects base, upside, and downside cases over 8 quarters. Troubleshooting Problem Likely Cause Fix Burn multiple shows 3.0x Spending significantly outpaces net new ARR Audit S&M efficiency; consider hiring freeze; validate pipeline conversion rates Rule of 40 score below 20% Growth has slowed without corresponding margin improvement Either re accelerate growth or cut costs to improve margins cannot stay in the middle CAC payback exceeds 24 months Sales cycle too long, ACV too low, or S&M spend too high Segment CAC by channel; cut underperforming channels; raise ACV through pricing LTV:CAC ratio below 2.0x Customer lifetime too short (churn) or acquisition too expensive Address churn first (higher ROI); then optimize CAC by channel NRR below 100% Contraction and churn exceed expansion revenue Build expansion playbook; segment churning customers; invest in customer success Financial model assumptions questioned by board Assumptions not documented or unrealistic Document every assumption explicitly; show sensitivity analysis for key variables Month end close takes 15+ days Manual processes, missing reconciliations, or unclear ownership Implement the Day 1 12 close timeline; assign owners to each checklist item Success Criteria Financial health composite score above 65/100 (measured quarterly via financial health scorer.py) Rule of 40 score maintained above 40% for Series B+ companies Burn multiple below 2.0x (below 1.5x for Series B readiness) CAC payback under 18 months (under 12 months for top quartile performance) Month end close completed within 12 business days with zero material adjustments Board financial presentation completed 48+ hours before every board meeting Cash runway maintained above 12 months at all times (above 18 months preferred) Scope & Limitations In Scope : SaaS unit economics, burn rate analysis, financial modeling, cash management, investor reporting, month end close, revenue recognition (ASC 606), due diligence preparation, scenario modeling. Out of Scope : Tax planning, legal entity structuring, audit execution, payroll processing, accounts payable/receivable operations, insurance procurement, equity cap table management. Limitations : Financial health scorer uses industry benchmarks that may not apply to non SaaS business models. Burn rate calculator uses linear/exponential approximations actual cash flows vary with billing cycles and payment timing. Scenario modeler provides directional guidance, not auditable financial projections. Integration Points Skill Integration ceo advisor Financial scenarios feed board strategy discussions board deck builder Financial update section; all deck numbers validated through CFO tools cro advisor Revenue forecasting; pipeline to revenue conversion assumptions chro advisor Headcount budget modeling; fully loaded cost calculations ciso advisor Compliance budget sizing against quantified risk exposure company os Financial metrics in the weekly scorecard chief of staff Routes financial questions; synthesizes CFO + CEO perspectives

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