Cash Flow Advisory for Clarity and Confidence
Running a business often means carrying the weight of uncertainty: Which numbers matter most? Are we on track? How do we prepare for the next stage?
North Point CFO provides ongoing Cash Flow Advisory services designed to turn uncertainty into clarity.
We partner with owners who are “too small for a full-time CFO but too complex to thrive without one,” offering steady guidance, structured conversations, and a clear path forward.
Who We Serve:
(And why this model fits)
Businesses with $500k–$10M in annual revenue
Owners who face recurring financial questions without clear answers
Teams who want priorities and accountability, not just reporting
Entrepreneurs who prefer collaborative, ongoing guidance over temporary fixes
If you want long-term financial clarity without the overhead of a full-time CFO, this model is built for you.
How It Works:
North Point CFO follows a step-by-step, cadence-driven process that ensures owners always know where they stand:
- Are We A Good Fit?
Evaluation – Review of your last three years of financials to identify pain points and fit.
Discovery Meeting – Walk through findings, priorities, and potential impact.
- Engagement Begins – Address the most pressing drivers affecting your results.
Annual Goal Setting – Define success based on your objectives: margin improvement, debt reduction, succession, or growth readiness.
About David
North Point CFO was founded by David M. Bornhorst, a financial professional who believes closely held businesses deserve the same level of clarity and insight as larger organizations—without the cost or complexity of a full-time CFO.
David’s approach combines deep financial experience with a calm, methodical style. He helps owners slow the noise, focus on what matters, and make informed decisions that align with long-term goals.
What Are “Drivers”?
Drivers are the controllable factors behind financial performance. Instead of focusing only on outcomes, we break down the operational levers that actually shape them.
Labor efficiency:
Scheduling, overtime, and turnover impact margins.
Receivables:
How quickly invoices become cash.
Operate Behind the Wheel
If improving a metric by 10% could change your results, it’s a driver worth tracking.
Materials waste:
Shrinking losses improves cost of goods sold.
Pricing discipline:
Protects margins without relying on volume.
Materials waste:
Shrinking losses improves cost of goods sold.
Pricing discipline:
Protects margins without relying on volume.
Operate Behind the Wheel
If improving a metric by 10% could change your results, it’s a driver worth tracking.
Why Cadence is Key
Understanding how we work helps clients understand that we are here for the long haul, dedicated to not only guiding you to clarity but helping you understand how to repeat the process.
Here's How it Works:
Weekly check-ins:
Check in on pain points and driver performance.
Monthly meetings:
Deeper driver assessment and analysis of new pain points.
Quarterly reviews:
Zoom out, assess drivers, measure progress, re-prioritize.
Annual reset:
refresh goals and strategic direction.
Common Owner Problems We Solve:
“I’m profitable—why isn’t there cash in the bank?”
Profit is an accounting measure; cash is about timing and flow. You may show profit on your income statement while cash is tied up in unpaid invoices, upfront expenses, or debt repayments. Growth can make this worse—more sales often mean more receivables before collections catch up.
At North Point CFO, we track cash flow drivers—receivables, payables, inventory, and terms—to explain where the money is and how to align profit with liquidity.
“I know there’s a problem, but I don’t know what it is.”
Many owners sense strain—tight margins, uneven results, or unpredictable cash—but can’t pinpoint the cause. Reports provide history, not insight.
Our approach starts by breaking down the business into drivers (labor, materials, pricing, receivables, etc.). By reviewing financial statements through this lens, we isolate which driver is off track and quantify its impact. This turns vague concern into clear action.
“I know the problem, but I’m not sure how to fix it.”
Even when owners identify the issue—like high labor costs or slow collections—it’s not always obvious what to do next. Fixes can feel risky, and the wrong move can make things worse.
We work step by step: define the driver, set a measurable target, and implement small changes that compound over time. For example, improving invoicing discipline by a few days or adjusting pricing consistency can significantly shift outcomes. With ongoing check-ins, the solution becomes manageable instead of overwhelming.
Working Alongside Your CPA, Bookkeeper, & Team
North Point CFO does not replace your CPA or bookkeeper. Instead, we work alongside them to ensure clean data, accurate compliance, and actionable insight.
How We Differ from Fractional CFOs
A Fractional CFO is typically a temporary executive who steps into a business for a defined project: raising capital, restructuring debt, or managing a transaction.
Where They Excel:
When a company faces a high-stakes event, fractional CFOs provide hands-on, directive leadership.
Where We Differ:
North Point CFO isn’t a temporary solution. We’re a long-term guide, providing continuity after the project ends—ensuring decisions stick and owners stay accountable.
If you need an executive to drive a specific event, a fractional CFO is right. If you want steady, ongoing clarity and support, CFO Advisory is the better fit.
How We Differ from a Scaling Up Coach
A Scaling Up Coach helps leadership teams align around growth frameworks: people, strategy, execution, and cash. They focus on organizational culture and rhythm.
Where They Excel:
Building leadership alignment, accountability, and growth strategies.
Where We Differ:
North Point CFO focuses specifically on financial clarity and driver-based actions. We often complement coaches, ensuring the financial side matches the growth strategy.
Where They Excel:
Building leadership alignment, accountability, and growth strategies.
Where We Differ:
North Point CFO focuses specifically on financial clarity and driver-based actions. We often complement coaches, ensuring the financial side matches the growth strategy.
How We Differ from a Scaling Up Coach
A Scaling Up Coach helps leadership teams align around growth frameworks: people, strategy, execution, and cash. They focus on organizational culture and rhythm.
If culture and growth frameworks are the need, a Scaling Up Coach is ideal. If you want your numbers and decisions to align with those strategies, CFO Advisory is the right partner.
Preparing for Advanced Strategy
With strong foundations, your business will be ready for next-level opportunities:
- Tax strategy and planning
- Scaling operations with confidence
- Exit or succession readiness
We remain your steady partner while bringing in specialists as needed.
Outcomes & Value
Clarity: Know which numbers matter and why.
Durability: Build systems that support steady results.
Optionality: Be ready to scale, sell, or step back—on your terms.
Let's Get Started!
The process begins with a simple evaluation of your financials. From there, you’ll see the opportunities, the plan, and the path forward.
Let's Get Started!
Ready to run the business you deserve? Our process begins with a simple evaluation of your financials. From there, you’ll see the opportunities, the plan, and the path forward.
Get Started Today!