CFO-level strategy at a fraction of the cost.

Every engagement includes a dedicated advisor, monthly deliverables, and direct access to Garrett - no junior analysts, no handoffs. Choose the tier that fits where you are right now.

Services

Foundation

$1,500/month - No long-term contract

For businesses who need financial visibility and a trusted advisor in their corner.

  • Monthly financial close & reporting

  • P&L, balance sheet & cash flow statement

  • Custom KPI dashboard

  • 1 monthly advisory call (60 min)

  • Email support between sessions

  • Bookkeeping coordination & oversight

Growth

$3,000/month - No long-term contract

For founders ready to operate from a position of financial strength and make decisions with real data.

  • Everything in Foundation

  • 13-week rolling cash flow forecast

  • Budget vs. actual tracking

  • Pricing & margin analysis

  • 2 monthly advisory calls (60 mins each)

  • Unlimited async messaging

  • Vendor & expense optimization review

Partner

$5,500/month - 3-month minimum

For businesses making significant financial decisions who need a true strategic partner

  • Everything in Growth

  • Board-ready financial reporting packages

  • Scenario modeling & decision support

  • Capital raise or acquisition prep

  • Unlimited advisory calls

  • Direct line access to Garrett

  • Annual strategic financial roadmap

When the Numbers Stop Making Sense

The Sandbar Stabilization Engagement

Some businesses don't need a fractional CFO on retainer. They need someone to walk in, look at the books, and tell them exactly what's happening — and what to do next.

If you're behind on taxes, dodging vendor calls, or running payroll on a wing and a prayer, you don't have a strategy problem. You have a cash flow problem dressed up as a strategy problem. We fix the cash flow first.

The Sandbar Stabilization Engagement is a focused, 21-day project for North Carolina small businesses in financial distress. One fee. One timeline. One clear path forward.

Who is this For?

This engagement is built for you if:

  • You're behind on federal, state, or sales taxes

  • You're juggling vendor payments and don't know who to pay first

  • Your bookkeeping is months behind and you've stopped looking at it

  • You've lost confidence that the business can fund payroll next quarter

  • You know something is wrong but can't pinpoint it on paper

This is not the right fit if:

  • You need bankruptcy counsel or a turnaround attorney (we'll refer you)

  • You're looking for ongoing fractional CFO support (see our retainer tiers above)

  • You're not prepared to share full financial access during the engagement

DELIVERABLES SUMMARY

By day 21, you'll have:

✓ A 13-week rolling cash flow forecast

✓ An accounts payable triage matrix

✓ A tax liability summary with referral to specialized counsel

✓ A prioritized Path Forward memo

✓ A 60-minute strategy session with Sandbar's principal

✓ A clear answer to: can this business be saved, and how?

PRICING

Engagement Fee: $3,000

  • Paid in full at engagement start

  • Includes all deliverables and the day-21 working session

  • 21-day timeline, fixed scope

Continued Support Beginning Day 22

Upon completion of the Stabilization Engagement, clients automatically transition to a Sandbar Foundation Retainer at $1,500/month to continue execution, monitoring, and monthly strategy support.

Clients may opt out of the continued retainer in writing at least 5 business days before the engagement end date. No questions asked.

Schedule a Stabilization Fit Call A confidential 20-minute conversation to determine whether this engagement is right for your business. No cost, no pressure.

Why Sandbar

Sandbar Financial Co. is led by Garrett Hoehler, a financial analyst with 10 years of corporate finance experience at a leading manufacturing operation and active progress toward CPA licensure. Sandbar works with a vetted network of tax resolution attorneys, enrolled agents, and SBA lending specialists to deliver complete stabilization solutions for North Carolina small businesses.

Frequently Asked Questions

  • No necessarily. If you don’t have one, we can recommend a vetted bookkeeper and coordinate with them directly. Our role is advisory and strategic — we work alongside your bookkeeper, not instead of them

  • We work within QuickBooks Online and build client dashboards in Google Looker Studio. If you’re on a different platform, reach out and we can discuss compatibility.

  • Most clients are fully onboarded within 2 weeks. That includes connecting to your books, building your reporting dashboard, and completing your first advisory call.

  • Foundation & Growth tiers are month-to-month — cancel any time within 30 days notice. The Partner tier requires a 3-month minimum to ensure we can deliver meaningful strategic work.

  • We typically work best with businesses generating between $250k and $10M in annual revenues. If you’re outside that range, reach out anyway — we’ll be honest about whether it’s a fit.