Examples

Show the method before claiming the result.

Keltner Financial has not yet published client success stories. The examples below are explicitly hypothetical demonstrations of the questions and analyses an engagement may include.

Hypothetical case 01

A profitable $2 million service company facing a cash squeeze

Illustrative

Situation

Revenue is growing, but the owner is using a line of credit more frequently. Financial statements show positive net income, and the owner cannot reconcile that with the bank balance.

Likely analysis

Receivable aging and collection timing
Gross margin by service type
Payroll and vendor payment calendar
Debt principal and equipment spending
13-week cash scenarios

Potential decision

Change billing milestones, tighten collections, delay an equipment purchase, and establish a minimum cash threshold before hiring.

Reported monthly profit$24,000

Receivables increase($31,000)

Debt principal + equipment($16,000)

Illustrative cash change($23,000)

Hypothetical case 02

A growing contractor deciding whether to add a crew

Illustrative

Situation

Backlog is strong, but management is unsure whether one more crew creates profitable capacity or simply adds fixed cost and coordination strain.

Likely analysis

Incremental payroll and vehicle cost
Required utilization and gross margin
Ramp time and training drag
Revenue conversion from backlog
Downside cash runway

Potential decision

Hire only after a defined backlog threshold is met, stage equipment commitments, and track crew-level utilization during the ramp.

Founding client program

The first real case studies must be earned.

Founding clients receive a clearly scoped introductory engagement. Feedback is requested, but testimonials or published case studies are never required and will only be used with explicit permission.

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