See your business differently.
- 01 · UnderstandWhat happened, and why it happened.See the dashboard →
- 02 · Look forwardWhere sales and cash are headed, and what happens if the plan changes.See the forecast →Try a what-if →
- 03 · Act earlySee it coming early, and act with a plan.See the warning lights →
See trouble early. Spot opportunity sooner.
Your financial records tell you what happened. Watchtower helps you understand why it happened, what happens next, and what you can do about it.
- Put surplus cash to work
- Grow your best-margin services, and replace what doesn't sell
- Understand your team's capacity to inform staffing decisions
- Protect your cash cushion before a slow month
- Know what you can safely pay yourself
Do we have enough cash?Your cash, week by week
IllustrativeHow to use this site
- 1Pick your business in the box just above, so every example uses your terms. You can change it anytime from the Your business box (top left, or in the Menu on a phone).
- 2Follow the Menu on the left (tap Menu on a phone), or press Next at the bottom of each page.
- 3Watch the checkmarks. A box means you have already seen that page.
Four financial functions of every business.One may be missing.
Most businesses use bookkeeping, accounting, and tax compliance. Strategic finance connects the numbers to decisions about cash, growth, profitability, and risk.
Explore your numbers.
Enter sample or approximate figures. Six plain-language measures update instantly. Everything runs in your browser; nothing is uploaded or saved.
Enter your numbers
The figures below are an example. Replace them with a recent month of your own; round numbers are fine.Demo assumptions: cash runway and break-even use current operating expenses; days to get paid assumes this month's sales are typical.
Your six-month picture.
Illustrative six months: revenue, costs and operating profit
Four questions every business owner should be able to answer
Four ways to work together
Monthly Dashboard
Send us your numbers each month, and we send back your dashboard.
- Simple Excel Template, Sent a Week Before Month-End
- Reminder on Closing Day
- Your Bespoke Operational Dashboard, Returned Each Month
- Six-Month Picture That Sharpens as Your History Grows
Custom Analysis
Go deeper on one question, with scope and a fixed price agreed before work begins.
Ongoing Advisory Services
Make insight a habit. Choose the services you need, reviewed with you each month.
Bookkeeping & Accounting
For new businesses, or owners ready for a change. All your financial records under one roof, so your results are accurate from the first entry to the final report.
- Monthly Bookkeeping in QuickBooks
- Bank and Credit Card Reconciliations
- Month-End Close
- Monthly Financial Statements
Bookkeeping & Accounting and Ongoing Advisory Services can be combined at a bundled rate.
How clearly can you see your business?
Answer each question honestly. It's anonymous: your answers aren't saved or sent to anyone unless you choose to include them in a consultation request. You'll see right away which Watchtower services fit your gaps.
Please answer all ten questions to see your results.
Your results
Present your business at its best.
Buyers, brokers and lenders study your numbers first. Our Sale-Ready Financial Package gives them an executive presentation of your results.
What's in the package
- Adjusted Earnings, With One-Time and Owner-Specific Costs Separated
- Clean Monthly Trend of Sales, Costs and Profit
- 12-Month Forecast That Supports the Asking Price
- Key Operating Numbers Buyers Ask About First
- Executive Summary for the Selling Package
Need a valuation?
We partner with affiliate valuation specialists who bring decades of Big Four consulting experience.
Your bookkeeper and CPA stay involved
We work with them to ensure the accuracy of the results behind the package.
How it works
- Share your recordsFinancial statements, tax returns and reports from your systems.
- We build the packageWorking with your bookkeeper or CPA as needed.
- Ready for buyersReviewed with you, then handed to your broker for the selling package.
Help your sellers make a stronger first impression.
To business brokers: send us your sellers before they list. We prepare an executive presentation of their results for the selling package, in any industry.
Why it helps your listing
- Buyers Get Answers Up Front
- Smoother Due Diligence
- A Forecast That Supports the Asking Price
Valuation support
Our affiliate valuation specialists bring decades of Big Four consulting experience.
Proposed partner incentive
10% of the fee for each Sale-Ready Financial Package you refer.
Subject to written terms, eligibility, and applicable professional rules.
Book a consultation
Tell us a little about your business. If you took the business check-up, your findings are already filled in below.
Institutional financial discipline. Small-business impact.
Watchtower Strategic Finance brings more than 25 years of experience within some of the world's largest banks to the realities of small and mid-sized businesses, where better financial decisions can have an immediate impact on cash flow, profitability, and growth.
Our founder's background spans liquidity management, cash-flow forecasting, financial risk analysis, performance measurement, and scenario planning. These are the disciplines major financial institutions rely on to understand their financial position, anticipate challenges, identify opportunities, and make informed decisions before problems emerge. The four owner questions we help business owners answer are rooted in that experience.
Watchtower applies the same principles to owner-operated businesses, delivering sophisticated financial insight without the complexity, cost, or overhead of a large corporate finance department.
Our promise
We turn the financial and operating information your business already produces into foresight, early warning, and better decisions.
So you can see your business differently.
What we do, and don't
- Strategic finance for your business
- Forecasting, cash planning and early warning
- Bookkeeping and accounting in QuickBooks
- Sale-ready packages for businesses going to market
- Tax returns, audits or attest work (we're not a CPA firm)
- Investment advice
- Legal advice
For tax, audit and legal work, we coordinate with your CPA, attorney and other specialists. Need a CPA? We can refer you to a trusted CPA we work with.
Refer a business. Help them see what's next.
To bookkeepers, accountants, CPAs and trusted advisors:
Watchtower complements your client relationships with forward-looking analysis.
To business brokers:
We give your sellers an executive presentation of their results for the selling package. See Selling a Business →
Any individual who refers a business that goes on to purchase a Watchtower service is also eligible for the referral program.
We build on the work you do
Our strategic finance sits on top of your services, alongside your client's bookkeeper, accountant or CPA. If a client needs a new bookkeeper, we also offer Bookkeeping & Accounting in QuickBooks.
Target Client
Owner-operated service businesses that have financial records but need more visibility into future cash, operating performance, and the economics of important decisions.
How referrals work
- Introduce usto a business owner who could use more visibility, using the referral form.
- Free consultationWe meet with the owner to see if Watchtower is a fit.
- Proposed partner incentive10% of collected recurring revenue for 24 months, or 10% of the fee for a one-time service.
Subject to written terms, eligibility, and applicable professional rules.
Refer a business
Send us the introduction here, and we'll reach out to the owner. Your information and the owner's are never shared or sold.