Business financial consulting
Keltner Financial helps owner-led businesses improve cash visibility, understand profitability, build reliable forecasts, and make better growth decisions.
No pressure. No generic sales pitch. Start with the decision you are trying to make.
The gap we close
Many growing businesses have accurate books but still make major decisions with incomplete information. Revenue may be rising while cash tightens. A profitable service line may be subsidizing an unprofitable one. Hiring may feel urgent without a model showing when the added payroll becomes sustainable.
Keltner Financial converts historical records into decision-ready forecasts, dashboards, and practical operating conversations.
How our approach is differentThree ways to engage
Each engagement is designed to produce usable decisions—not a thicker binder.
A focused review of cash flow, profitability, reporting gaps, and near-term risks.
Designed for one operating business with reasonably current financial records. Additional entities, significant bookkeeping cleanup, or unusually complex analysis are scoped separately.
A custom operating model that connects budget, cash, KPIs, and monthly review.
Final pricing depends on data condition, entity structure, reporting complexity, and the models required.
Monthly financial planning and decision support without adding a full-time finance hire.
Ongoing engagements begin with an initial three-month commitment and are scoped according to reporting complexity, meeting cadence, and decision-support needs.
A disciplined process
Good financial planning is not a one-time spreadsheet. It is a management rhythm.
Clarify the operating model, owner priorities, and decisions at stake.
Reconcile the information needed for useful analysis—not unnecessary complexity.
Translate assumptions into cash, margin, and operating scenarios.
Set a practical monthly cadence for review, accountability, and course correction.
Free planning tool
Use the interactive planner to estimate weekly cash movement and spot the first point where your operating cushion becomes uncomfortable.
Open the cash-flow plannerOwner-focused insights
Profit is not a bank balance. See how receivables, inventory, debt, and growth can create a cash squeeze.
Read the guide →A practical framework for turning weekly inflows and outflows into an early-warning system.
Read the guide →Move beyond the income statement and build a compact management package that drives action.
Read the guide →Founding client program
A limited number of introductory engagements are available for qualified owner-led businesses willing to provide structured feedback.
Testimonials and published case studies are optional and would require separate, explicit permission.
Ask about founding-client availabilityStart with the decision
Tell us what you are trying to understand, fund, fix, or grow.
Start a conversation