Wise Consulting Financial Diagnostic 

To help you achieve financial clarity and to identify where you need accounting and financial support, the Wise Consulting team offers a financial diagnostic.

Give us a half hour, and we’ll share strategic insights and recommendations after reviewing your:

  • Profit and loss (P&L)

  • Balance sheet

  • Debt Service Coverage

  • AR, Sales & AP

Learn more about the financial assessment here.

To request a financial diagnostic, call (708) 268-9094 or fill out the form:

Why Get a Financial Diagnostic?

If you have any of the following issues, our financial diagnostic could be right for you:

  • You want a second set of eyes on your books

  • You want to fully align your financial management to your organization’s strategic goals

  • You’re considering hiring to handle growth

  • You need a resource to help you with due diligence because your team doesn’t have time—or your client’s company needs another resource if you are a business broker

  • You have concerns about payroll accounting

  • Transactions from your bank don’t match your accounting system

  • Loan payments are confusing

  • Your bookkeeper or AP/AR person left

To identify where you need accounting and financial support, the Wise Consulting team conducts a financial diagnostic.

Profit & Loss (P&L) Analysis

This measures profitability over a specific period (monthly, quarterly, annually), and includes a review of your:

  • Revenue Trends: by product/service, customer segment, etc.

  • Cost of Goods Sold (COGS) and Gross Margin

  • Operating Expenses (marketing, payroll, admin)

  • EBITDA (earnings before interest, taxes, depreciation, and amortization)

  • Net income: bottom-line profitability

  • Profit margins: gross, operating, net

  • Year-over-year or period-over-period comparisons

Balance Sheet Analysis

This shows your financial position at a specific point in time, and includes a review of your:

  • Assets

    • Current: cash, receivables, inventory

    • Long-term: equipment, property, intangible assets

  • Liabilities

    • Current: accounts payable and short-term loans

    • Long-term: long-term loans and other debt

  • Equity: retained earnings, owner contributions

  • Working Capital: current assets and liabilities

  • Debt-to-Equity Ratio

  • Liquidity Ratios: current and quick ratios

Cash Flow Analysis

This assesses liquidity and your ability to fund operations and growth, and includes a review of your:

  • Operating Cash Flow: cash generated from core operations

  • Investing Cash Flow: asset purchases, investments

  • Financing Cash Flow: loans, repayments, equity contributions

  • Free Cash Flow: available cash after capital expenditures

  • Burn Rate: for startups or early-stage companies

  • Cash Flow Consistency & Seasonality

Strategic Insights & Recommendations

Our diagnostic will provide you with the following:

  • How to optimize your accounting functions: bookkeeping, AR, AP, payroll, reconciliations, etc.

  • Profitability improvement opportunities

  • Expense control suggestions

  • Liquidity and solvency risk alerts

  • Capital allocation effectiveness

  • Growth capacity and funding needs