Revenue may be up, but owner activity, one-time costs, margin leakage, and timing issues can hide the true operating result.
Reports, trackers, and decision materials
I prepare your financials for the next serious business conversation.
Capital Control prepares financial reports, trackers, and decision materials for SMB owners before growth, financing, professional review, or sale conversations. I organize transactions, cash flow, assets, debts, and support materials so you and your advisors can understand what the business is really showing.
The real issue
Most owners do not need more financial noise. They need their financials prepared in a way that helps them act.
You may have QuickBooks, tax returns, bank statements, and reports, but still not know what the business actually earned, where cash went, what cash is available, what the business owns and owes, what a buyer or lender will question, or what needs to be cleaned up before growth or sale conversations.
Cash in the bank is not automatically usable once taxes, debt, payroll, reserves, upcoming bills, and working capital are separated.
A new person may look affordable until payroll burden, downside revenue, reserves, and recurring obligations are tested together.
More spend only helps if it solves the right constraint and comes with a clear ceiling, KPI, and stop condition.
Owner draws, debt, taxes, inventory, payroll, AR timing, CapEx, and one-time costs can all make profit and cash tell different stories.
A buyer, lender, advisor, or broker needs clean statements, supportable add-backs, visible working capital, known obligations, and records that can stand up to questions.
Meet Cole
I built Capital Control because owners were still guessing after the reports were done.
Again and again, businesses had accounting records, reports, advisors, and software, but still could not confidently answer what cash was available, what risks were hidden, or what decisions the business could safely support.
Capital Control exists to categorize and organize transaction-level financial activity into accurate reports, cash and obligation views, decision maps, and operating trackers before major capital decisions are made.
Finance foundation
Cole Hover, BSBA Finance, with Series 7 background and Life and Health Insurance licensing experience.
Current focus
Bookkeeping architecture, transaction cleanup, classification rules, management views, capital availability views, and decision support packets.
The current company
Capital Control helps owners organize source records, clean transaction activity, identify what cash is truly available, and prepare clearer decision support before hiring, reinvesting, borrowing, distributing cash, expanding, or preparing for a desired sale.
The outcome
You get financial reports and materials that show what happened, what is committed, what is safe, what is risky, and what buyers, brokers, valuation professionals, advisors, or lenders are likely to question.
Primary offer
Financial Control Setup
Build the financial base before the business commits to hiring, reinvestment, debt, distributions, expansion, acquisition, or sale preparation.
01
Find what happened
02
Separate what matters
03
Protect what is spoken for
04
Decide what is safe
What Capital Control does first
Prepare financial reports, decision tools, and sale-ready materials from the numbers you already have.
Capital Control takes existing reports, statements, accounting exports, and transaction activity and turns them into a clearer financial picture: accurate reports, classification logic, cash movement views, reserve and obligation schedules, and decision rules the owner can actually use.
Prepare the reports
Categorize and organize transactions so the Income Statement, Balance Sheet, and Statement of Cash Flows tell a more accurate story.
Show what professionals will ask
Prepare the materials a buyer, broker, valuation professional, advisor, lender, CPA, or fractional CFO would likely request or question.
Map the growth path
Use the financials to make the best available paths for growth objectives and a desired sale visible with a plan, map, budget, and tracker.
Save professional time
Give certified and licensed professionals, brokerages, and finance teams cleaner materials so they can spend less time reconstructing the basics and more time adding value.
Example: expansion looked affordable until the cash was clarified.
Owner view
The business had cash in the bank and wanted to move forward with expansion.
Financial control found
Tax obligations, reserve requirements, upcoming debt commitments, and cash already spoken for.
Result
Expansion was delayed, liquidity stayed protected, and the next decision became conditional instead of emotional.
Usable tools and examples
Templates you can use now, and also see as parts of the system.
The workbooks below are usable templates. They also act as visual examples of functions inside Capital Control: modeling, cash allocation, reporting, assumptions, monthly financials, and dashboard outputs. They are useful on their own, but they are not a complete Financial Control Setup by themselves.
Financial Templates
A usable workbook for valuation thinking, cash allocation, monthly statements, reporting, and recommendation-style analysis.
SMB Granular Model Template
A usable operating model for assumptions, revenue streams, costs, working capital, debt, monthly financials, and dashboard outputs.
How the work moves
An async-first process from decision pressure to usable financial control.
The workflow is intentionally written-first. You send the reports you have. If the reports are incomplete, I work from the last 24-48 months of transactions to create a clearer picture of the story the business is telling.
01
Send the starting point
You send the Income Statement, Balance Sheet, Statement of Cash Flows, or the transaction exports needed to rebuild those views.
02
Review for financial reality
I review what is recorded, reconciled, categorized, or displayed properly, then identify what is unclear, missing, or likely to get questioned.
03
Create the clearer story
Transactions and reports are organized into useful layers: financial reports, cash movement, performance, assets, debt, AR, WIP, capital availability, and decision readiness.
04
Deliver the map and materials
You receive the reports, tracker, decision map, implementation plan, or professional packet needed for growth, reinvestment, sale prep, or advisor review.
How the work develops
After financial control is set up, the financial layers become reusable.
The first job is concrete: clean up the base, define the classification rules, and show what the records can actually support. Once that base is trustworthy, Capital Control can organize the work into repeatable accounting, management, capital, and decision views.
That is where the decision tools become useful: not as a replacement for the cleanup, but as a layer built on sourced records, categorized transactions, cash schedules, obligation timelines, and tested assumptions.
Current work
Bookkeeping architecture, transaction cleanup, source maps, classification rulebooks, management views, and capital availability models.
Decision support
Hiring, reinvestment, debt, distributions, expansion, acquisition, cash preservation, and sale readiness.
Source-level work
Starts with transactions, reports, statements, vendors, categories, owner activity, and the assumptions hiding inside the books.
Bounded scope
Prepares cleaner records, models, and decision support for professional judgment without pretending to replace tax, legal, investment, lending, or CPA decisions.
First: clean and map the base
Clean the records, map the sources, identify unclear items, separate commitments, normalize the view, and show what the business can actually support.
Then: build the views
Turn the cleaned base into accounting integrity, management visibility, cash movement, asset/liability position, capital availability, and decision rules.
Finally: govern the next move
Use the source-backed views to decide whether money should move, stay protected, be staged, or wait for better evidence.
The point
The point is not more finance language. It is giving the owner a clearer basis for action.
The first step stays low-friction on purpose: no system access, transaction upload, calendar call, or full financial handoff is required before fit, scope, and trust are clear.
The four layers
Accounting, management, capital, and decision books.
Capital Control is useful when financial data exists, but it has not been structured to answer the decisions that matter. The work turns fragmented records into repeatable views for record integrity, business performance, cash availability, and decision safety.
Accounting Book
Clean historical records, reconciled accounts, categorized transactions, loans, owner activity, financial statements, and CPA-ready support.
Management Book
Revenue drivers, margins, recurring expenses, one-time noise, KPIs, normalized profit, and performance by stream, property, product, service, location, team, or channel.
Capital Book
Cash available after reserves, required reserves, restricted cash, debt obligations, tax holds, liquidity runway, owner distribution capacity, and capital movement rules.
Decision Book
Hiring gates, reinvestment rules, safe spend ceilings, downside stress tests, acquisition readiness, monitoring metrics, stop conditions, and reevaluation triggers.
Offers and pricing
Choose how much finance help you want.
Capital Control can be done for you each month, used for one major reinvestment or sale-readiness decision, or bought as templates your team can use directly. The common goal is simple: turn your financials into a clearer path for growth, cash control, professional review, or a desired sale.
What I offer
Fractional CFO / Financial Manager work powered by a finance-specific AI system.
I use Google Docs, Google Sheets, Gemini, Codex, Claude, and ChatGPT inside a financial workflow to organize records, build reports and trackers, analyze the numbers, and turn reinvestment or sale objectives into a plan the owner can understand.
Done for you
Monthly finance support
Best for businesses without a finance person. I create, update, and analyze the trackers and reports every month.
Decision tools
Reinvestment map
A decision engine and implementation plan that makes the best available paths for growth objectives and a desired sale visible.
Budget path
DIY templates
Best for businesses with finance help already. Use the templates yourself, or have me adapt tools for your team.
- KPI tracker
- Performance budget and tracking
- Income statement / P&L generator
- Cash flow tracker and statement generator
- Asset and debt tracker / balance sheet generator
- DSCR tracker
- AR collection tracker
- WIP template
Free first step
Capital Control Assessment
Free
A written first read for owners who are unsure whether the issue is messy books, unclear cash, missing reports, hidden obligations, weak decision support, or something outside Capital Control's scope.
- Decision pressure review
- Current visibility review
- Source material check
- Likely problem type
- Recommended next step
First paid review
Financial Visibility Review
$500 founding / $1,500 standard
A fixed-scope review of the business's existing reports, records, and financial picture to identify what is clean, what is unclear, what would get questioned, and what needs to be organized before a sale, valuation, loan, reinvestment, or professional review.
- Financial Visibility Packet
- Source Material Map
- Reporting Issue List
- Decision-Readiness Gap List
- Cash and commitment red flags
- Buyer or advisor question list
- Fix-first checklist
- Recommended next-step path
Build the base
Financial Control Setup
$3,500 founding / $5,000 standard
A defined setup that categorizes and organizes transactions into a clearer financial story: accurate reports, classification rules, cash movement visibility, capital availability logic, and a written Financial Control Memo.
- Source map
- Transaction review and cleanup within defined scope
- Classification rulebook and labeling logic
- Income Statement / P&L view
- Balance Sheet support view
- Statement of Cash Flows view
- Cash movement and capital availability view
- Financial Control Memo
- Buyer, broker, or advisor prep notes
Reinvestment support
Decision Map + Implementation Plan
$1,500-$3,500
Uses your financials and growth objective to map one specific decision: what paths are available, what should be avoided, what the cash impact is, and how to implement the decision if it is supportable.
- Available options
- Blocked and conditional options
- Cash impact
- Risk points
- Decision gates
- Deployment ceiling where applicable
- Implementation path
- KPI, budget, and review triggers
Monthly support
Monthly Financial Manager
$750-$2,500+/month
Recurring support where the trackers and reports are created or updated, reviewed, and analyzed monthly so the business keeps a current view of performance, cash, debt, AR, and decision readiness.
- KPI tracker updates
- Performance budget and tracking
- P&L and cash flow updates
- AR, debt, DSCR, reserve, or WIP tracker updates where applicable
- Monthly issue list
- Plain-English analysis notes
- Decision gate refreshes where applicable
- Ongoing tool and template support
Budget / team option
Templates and Finance Team Tools
DIY or scoped build
Use the templates yourself, or have Capital Control build a specific tracker, model, reporting workbook, or workflow that increases the capacity of a finance professional or internal team.
- Copyable Google Sheets templates
- KPI, budget, P&L, cash flow, AR, debt, DSCR, and WIP tools
- Team update workflow
- Monthly reporting structure
- Decision-support workbook
- Custom tool scope available after review
How the monthly work works.
The monthly option is for businesses that want the finance work maintained for them. I update the trackers and reports, review what changed, and send plain-English notes about cash, performance, risks, and the next decision.
The template option is the cheaper path when you already have a finance person or team who can update the workbooks themselves.
If the financials are not recorded, reconciled, categorized, or displayed properly, the engine cannot produce as accurate a path or map. In that situation, the Financial Manager / Fractional CFO work comes first.
Base scope assumptions
- One primary business or entity unless otherwise stated
- Usable source exports or system access
- Timely client responses
- Limited historical period
- No major missing records
- No tax, legal, valuation, audit, or investment opinion
- No unlimited revisions
- No open-ended advisory
Who this is for
For anyone responsible for making, supporting, financing, or evaluating capital decisions.
Capital Control supports the people who need source-backed financial views before money moves: owners, operators, family businesses, SMB teams, real estate owners, holding companies, CFOs, CPAs, bookkeepers, advisors, bankers, lenders, investors, and deal professionals.
Owners and operators
The business needs to hire, reinvest, borrow, distribute, expand, or preserve cash.
Clarify what is allowed, blocked, or conditional before the next commitment becomes a recurring obligation.
Finance and advisory teams
A CPA, CFO, advisor, banker, or lender needs cleaner records to work from.
Organize the source material so high-level professionals spend less time finding the truth and more time producing strategic value.
Capital and deal work
An investor, buyer, lender, or partner needs confidence in risk, cash flow, and capital structure.
Prepare clearer support around EBITDA, add-backs, working capital, obligations, liquidity, and buyer or lender readiness.
Trust and boundaries
The first step is designed to build trust without forcing a call.
No system access, transaction upload, phone call, or 24-month data dump is required for the assessment.
The first deliverable is designed to be useful on its own, even if you decide not to move forward.
Most follow-up can happen by email or text so context stays written, searchable, and easier to turn into deliverables.
Capital Control is not a CPA firm, tax preparer, investment advisor, portfolio manager, lender, or generic bookkeeping subscription.
The work prepares cleaner records, cash views, obligation schedules, and decision support so owners, operators, and their professional teams can make better decisions.
Calls are available when they genuinely help establish trust or unblock financial access, but they are not the default.
Tools and templates
Use the templates now, or use them as a starting point for a larger system.
These workbooks are practical tools you can copy and use. They are the budget path for owners or finance teams that can update the work themselves, and they also show individual functions inside the broader Capital Control process: modeling, cash allocation, reporting, assumptions, monthly financials, and dashboard outputs.
Financial Templates
A usable workbook for valuation thinking, cash allocation, monthly statements, reporting, and recommendation-style analysis. Use it yourself, or treat it as one slice of the broader Capital Control toolkit.
SMB Granular Model Template
A usable operating model for business assumptions, revenue streams, direct costs, opex, working capital, debt, monthly financials, and dashboard outputs.
Before entering company information, open the workbook and use File > Make a copy. Use these as standalone tools, budget templates for your finance person, or entry points into the larger Capital Control process. If the template helps but the decision still feels unclear, the assessment is the next step: Capital Control can read the context, identify the constraint, map the missing records or assumptions, and turn the model into a clearer plan.
Start here
If financial records exist but capital decisions still feel unclear, start with the assessment.
You will get a written first-read deliverable that clarifies whether the issue is accounting cleanup, management reporting, capital availability, decision rules, or something outside Capital Control's scope.