Levo Finance Wise | Business Finance Guide

Overview

Give your business a CFO‑level view without the complexity

Every business generates numbers. Very few turn those numbers into a clear, consistent story. Strong business finance practices connect sales, expenses, assets, and cash into one understandable picture.

Levo Finance Wise helps owners and management teams build that picture with clean books, meaningful reports, and practical recommendations that fit their industry and stage of growth.

Common goals we support:

Improving profit margins and cash flow
Preparing for funding, banking, or investor conversations
Streamlining finance processes across locations
Building a finance function that scales with the business

Cash flow

Understand and manage your cash conversion cycle

Profits on paper do not guarantee cash in the bank. Your cash conversion cycle measures how long it takes to turn inventory and customer credit into actual cash.

Track days sales outstanding (DSO) for receivables
Monitor inventory turnover and slow‑moving stock
Negotiate supplier terms that match collection timing
Review cash forecasts weekly, not just monthly

Shortening this cycle can release trapped capital and reduce the need for external borrowing.

Practical steps to improve cash:

Introduce deposits or milestone‑based billing
Automate invoicing and late‑payment reminders
Offer small discounts for early payments where justified
Regularly cleanse your customer and supplier lists

A simple weekly cash report can highlight upcoming gaps before they become emergencies.

Profitability

See which products and clients truly drive profit

Top‑line revenue can grow while profitability quietly erodes. Segmenting your financials by product, service line, or customer group reveals where you are really creating value.

Separate direct costs from overhead before analyzing margins
Allocate overhead using industry‑appropriate drivers
Identify low‑margin clients or offerings that consume capacity
Model price changes and cost improvements before implementation

This approach supports more confident pricing, product, and resource decisions.

Key margin metrics:

Gross margin by product or service line
Contribution margin by customer or channel
Operating margin after overhead
Break‑even sales volume for new initiatives

Levo Finance Wise can help you design management reports that highlight these insights in a single dashboard.

Planning

Build an annual budget that actually guides decisions

A budget is most useful when it becomes the baseline for monthly decision‑making, not just a spreadsheet created once a year.

Start with realistic revenue scenarios, not wishful targets
Map fixed and variable costs against each scenario
Link budget lines to specific owners and review dates
Compare actuals against budget monthly and investigate variances

We help teams convert static budgets into living tools that support accountability and agility.

Rolling forecast approach:

Extend your view 12–18 months ahead every quarter
Update assumptions for pricing, costs, and hiring plans
Model best‑case, base‑case, and downside scenarios
Align cash and funding plans with each scenario

This method keeps your plan current in fast‑changing markets.

Funding

Choose the right funding mix for your stage

Debt and equity each have trade‑offs. The right mix depends on your growth rate, margins, industry, and appetite for risk.

Short‑term working capital lines for recurring cash swings
Term loans for equipment and long‑lived assets
Equity or quasi‑equity for higher‑risk growth initiatives
Vendor and customer financing arrangements where available

Well‑prepared financial statements and projections strengthen your position in lender and investor conversations.

Before speaking with a lender:

Ensure your bookkeeping is current and reconciled
Prepare a simple business overview and use‑of‑funds summary
Develop a base‑case financial projection with key assumptions
Gather tax returns and existing loan documentation

We assist in organizing and presenting this information clearly, increasing your credibility and speed to approval.

Controls

Put simple controls in place as you grow

As teams and transaction volumes grow, informal processes stop working. Basic financial controls reduce risk and prepare you for audits, investors, and potential exits.

Define approval limits for spending and contracts
Separate duties for payments, reconciliations, and approvals where possible
Standardize documentation for expenses and vendor onboarding
Schedule recurring reconciliations for bank, card, and key balance sheet accounts

Technology foundation:

Cloud accounting software with role‑based access
Integrated billing, payroll, and expense tools
Secure document storage for invoices and contracts
Automated backups and audit trails

Levo Finance Wise can help you select and configure tools that match your growth plans and compliance needs.

Next steps

Connect your accounting and strategy

Finance should not operate in isolation. When your accounting, budgeting, and forecasting processes are aligned, you can act faster on opportunities and risks.

Levo Finance Wise supports everything from foundational bookkeeping to virtual CFO support. We help you interpret the numbers, not just produce them.

Schedule a consultation

Prepare for that conversation by:

Bringing your latest financial statements
Listing your top three finance challenges
Clarifying your growth and profitability goals