Recommended starting point
One-page Financial Clarity Diagnostic summary
Condenses financial condition, operating signals, immediate risks, and a prioritized 90-day owner action plan.
See the diagnostic scope →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.
Example deliverables
See the structure, calculations, and management questions before an engagement begins.
These examples use fictional operating data. They demonstrate how Keltner Financial turns accounting history and operating assumptions into concise decision tools.
Liquidity planning
13-week cash-flow model
Shows the timing of collections and committed payments, the minimum projected balance, and the weeks where flexibility narrows.
Try the simplified planner →
Management reporting
Owner KPI dashboard
Connects financial outcomes with operating drivers, targets, trends, named owners, due dates, and explicit decisions.
Read the reporting guide →
Performance review
Budget-versus-actual report
Separates timing from structural variance and translates the largest misses into actions, owners, and forecast updates.
See the reporting build →Audit the mechanics
Download the illustrative workbook.
The Excel file contains the four examples, formula-driven calculations, an input-color legend, and a model-check sheet. No client information is included.
How the analysis supports decisions
Illustrative situations, not fabricated client claims.
Hypothetical case 01
A profitable $2 million service company facing a cash squeeze
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
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.
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 availability