About the firm
A small firm for owners who carry the financial decisions.
Most owner-run businesses reach a point where the decisions get expensive: a hire, a truck, a price increase, a distribution. Often the owner makes them alone. We work alongside your bookkeeper and CPA on the plan and the decisions ahead.
A full-time CFO fixes that, and almost nobody at this size can justify one. So the work gets done in a spreadsheet at 11pm, or it doesn't get done at all.
We work with owners on the financial decisions and build the systems needed to carry them out.
That is the core of the work: financial leadership, priced for a company that is not ready to hire it. Around it sit two things owners kept asking for. Systems work, when the bottleneck is a workflow rather than a decision. And exit planning, because the same work that makes a business easier to run makes it worth more to a buyer.
The software is not for sale on its own. Before each meeting, we review the numbers and identify the decisions to work through. We work with a small number of owner-run service businesses at a time, mostly construction, trades, field services, and property management between $1M and $15M. If the financial decisions are still landing on your desk alone, that is the conversation worth having.
JML Growth Consulting LLC
What we believe
More sales is not the goal
Growth only matters when the business keeps enough margin, cash, and control to make the owner better off.
Lagging indicators are not plans
Total sales and year-end profit explain what happened. Leading signals tell the owner what to change now.
Measure before you chase
Before buying more leads, inspect pricing, collections, payroll, job cost, close quality, and delivery capacity.
The owner stays the operator
We structure the targets, signals, and cadence. The owner keeps the judgment and the authority.
Advice has to become a system
A useful idea becomes a rule, a number on a screen, a review question, and a follow-up. Otherwise it fades as soon as the week gets busy.
The things owners ask first
Ask yours →- What exactly is a fractional CFO?
- A finance leader on retainer instead of payroll. We own the plan, the cash rules, the owner-pay decision, and the monthly review, for a business that cannot justify a full-time CFO yet.
- How is this different from my bookkeeper or CPA?
- Your bookkeeper records what happened. Your CPA files it. We work forward from those numbers: the budget, the cash you keep in the business, the hiring and pricing calls, the distribution. We work alongside both of them.
- What does exit planning mean if I'm not selling soon?
- Most of what makes a business worth more to a buyer also makes it easier to own: reliable earnings, clean books, less dependence on the owner, and documented processes. We estimate what the business is worth today, show what moves that estimate, and plan toward the day you decide to sell. It is an estimate, not an appraisal.
- What do you build?
- Reporting, automation, integrations, internal tools, and websites, where a workflow is the bottleneck rather than a decision. Each project is scoped and quoted on its own.
- Do I need clean books to start?
- No. The first thing we do is find out how much of the data can be trusted and say so plainly. Cleanup, if it is needed, is part of the proposal rather than a prerequisite.
- Can I buy the software by itself?
- No. JGC Hub is how we deliver the work, and it is included with your engagement.
- How is the fee set?
- After an initial conversation, we send a proposal covering the work, responsibilities, fee, payment schedule, and term. We agree these before work begins.
- Who do you work with?
- Owner-run service businesses: construction, trades, field services, property management, and similar, generally between $1M and $15M in revenue, where the owner still carries the financial decisions personally.
- Is this a replacement for tax or legal advice?
- No. We coordinate with your CPA and attorney. Entity structure, tax filings, and legal decisions stay with them.
Start with a conversation.
Tell us what's going on in the business. If we're not the right help, we'll say so.
A person replies within one business day.