JML Growth Consulting

JML Growth Consulting

A fractional CFO & business advisor for small business owners.

We bring the tools, knowledge, and accountability of a full-time CFO to small business owners — at a fraction of the cost of hiring one.

Most small business owners don't need a $200,000 CFO. They need someone in their corner a few hours a month who can read the numbers, ask the right questions, and hold them to the plan. That's what we do.

Schedule an intro call → How it works

How it works

An ongoing relationship, not a one-time deliverable.

1

Connect & assess

Connect QuickBooks. We review your last 12 months, your current cash position, and how the business is actually performing against where you thought it was. We share what we find on an intro call.

2

Build the plan

Revenue targets, expense limits, cash floor, owner pay schedule, distribution policy. We build it together in a system that watches every line and tells us when something drifts.

3

Meet & adjust

A regular check-in cadence — bi-weekly, monthly, or quarterly. Between calls you get weekly or monthly summaries. When a major decision comes up, we work through it together with real numbers.

What we help you track

The things every owner knows they should be watching but rarely have time to.

Cash & liquidity

  • Current cash vs cash floor
  • 13-week rolling cash forecast
  • Owner distribution timing
  • Working capital trend

Plan vs actual

  • Revenue, COGS, OpEx by month
  • Year-end pace projection
  • Margin trend (GP and EBITDA)
  • Variance to the annual plan

Receivables & collections

  • AR aging by bucket
  • DSO (days sales outstanding)
  • 60+ day concentration
  • Slow-pay customer flags

Owner economics

  • Owner compensation schedule
  • Distribution policy + cadence
  • Quarterly tax estimates
  • Net to owner across pay + distributions

Goals & targets

  • Annual revenue and EBITDA targets
  • Per-account spending limits
  • Industry peer benchmarks
  • Quarterly themes for the team

Decisions & accountability

  • Hire / capacity decisions
  • Pricing changes
  • Capex: buy vs lease
  • Action items between check-ins

We scope which of these matter most for each client. Some need everything. Some need three things and a monthly conversation. The point isn't more reports — it's the right ones, on a cadence, with someone to discuss them with.

What you actually get

Recurring deliverables, not a slide deck once a year.

Recurring check-ins

Bi-weekly, monthly, or quarterly — your cadence. We come prepared with the data already pulled.

Annual plan & budget

Built once, refreshed quarterly. Revenue, expenses, cash floor, owner comp, distribution policy.

Weekly pulse email

Monday morning. Cash position, AR aging, watch-list items. Two minutes to read.

Monthly close summary

First business day. Last month's revenue, margin, EBITDA — vs plan and vs the prior month.

13-week cash forecast

Refreshed each check-in. The exact format a bank or lender expects.

Decision support

When you're staring down a hire, a price change, or a major purchase — we run the numbers together first.

Quarterly tax estimates

Projected from YTD. Per owner. So April isn't a surprise.

Action items + accountability

What you committed to last call. What's still open. Closed-loop tracking between meetings.

Mitchell Lindsey

About

Mitchell Lindsey

Founder, JML Growth Consulting

Mitchell started his career in Fortune 500, moved into tech, then started a series of his own businesses. He has sold one and currently owns and operates three: a real estate brokerage and a property management company in Memphis, and an oil and gas company in Texas. He also takes on a small number of independent consulting engagements outside of this practice.

He started JML Growth Consulting because the same problem kept showing up in every business he owned or advised: the owner had no time to work on the business and no structured way to make decisions. They could read a P&L, but nobody was sitting with them every two weeks asking the right questions or holding them to the plan.

The work covers finance, technology, strategy, and planning — the things a CFO does and the adjacent things a small business owner usually has to figure out alone. Each engagement is scoped to fit the moment your business is in, and adjusted as that changes.

Engagement models

Three levels of access. Scoped to what you need.

Foundation

Once-a-month presence.

A monthly check-in plus the platform doing the work in between. For owners who want someone to look at the numbers with them on a regular cadence.

  • Monthly check-in
  • 13-week cash forecast
  • Plan-vs-actual reporting
  • Quarterly tax estimates
  • Async access

Most common

Active

An operator in your corner.

Bi-weekly check-ins, decision support across finance / tech / strategy, AR support, quarterly strategic review. For owners in growth or transition.

  • Bi-weekly check-ins
  • Decision support on demand
  • AR + collections review
  • Quarterly strategic review
  • Priority async access

Embedded

In the seat with you.

Board prep, lender packages, annual planning, frequent contact. For owners running a business that's about to outgrow them.

  • Bi-weekly + quarterly board prep
  • Lender / SBA package prep
  • Annual plan build
  • Direct text access during business hours

Pricing is scoped on the intro call once we understand the engagement.

Want to start with a conversation?

Send a quick note. We'll set up a no-obligation call, walk through your business, and see if there's a fit.

Email Mitchell →

mitchell@jmlgrowth.com