Mercova Advisory
A fractional CFO who runs your finances like a pro
Senior finance leadership for owner run SMEs and startups: clear reporting, cash flow you see coming, lenders that back you, and a business ready for exit the day you decide to sell or buy.
Sound familiar?
You run the business. The finances run you.
Most owners we work with are profitable on paper yet flying blind on the numbers. These are the symptoms we hear most often.
Cash flow surprises
You discover cash is tight only when a payment falls due. No forecast, no early warning, no room to plan ahead.
No reporting rhythm
The numbers arrive late, change every time, and nobody owns them. You manage on gut feel because the data is never ready.
Pressure from the bank
Your lender wants forecasts, covenants and a credible story. Right now you struggle to give them that confidence, and it costs you.
Selling or buying
You are weighing an exit, a partner buyout or an acquisition, with no real sense of what your business is worth or whether it is ready.
What we do
Four ways we put you back in control
From day to day financial control to once in a lifetime transactions. Take what you need now, scale up when it matters.
Fractional CFO
A fractional CFO who owns your numbers: monthly reporting, budgeting, board prep and the financial decisions that move the business.
Exit readiness
A clear eyed review of value drivers, risks and blind spots, so your business is sale ready well before you go to market.
Acquisition analysis
Independent financial due diligence on a target: quality of earnings, valuation, financing and the risks the seller keeps quiet.
FP&A
Forecasts, budgets and scenarios you can trust, so decisions rest on numbers rather than hope.
Reporting
A reliable monthly reporting pack and dashboard that tells you, at a glance, how the business is really doing.
Cash flow and debt capacity
A thirteen week cash forecast and a realistic read on how much debt your business can carry without breaking.
How it works
From first contact to lasting partnership
We earn the work before we ask for it. No hard sell, no long contract up front. Just a path that lets you judge the value first.
1. Content
You read our analysis, use our tools and see how we think about finance, value and capital decisions for SMEs and startups.
2. Trust
You score your exit readiness or run a calculator, and get a concrete, useful read on where you stand.
3. Diagnostic call
A free, focused conversation to understand your situation and see whether we can genuinely help.
4. Paid diagnostic
A fixed fee deep dive that delivers a clear assessment and an action plan, valuable in its own right.
5. Recurring mandate
When it makes sense for both sides, we move into an ongoing CFO mandate or a transaction engagement. By then you know exactly what you are getting.
Why Mercova
Institutional finance, built for SMEs and startups
You get the rigor of a top tier finance team, without the cost or the distance. We have sat on both sides of the table.
- Former institutional finance leaders with two decades of experience
- Credit Suisse background across financing, valuation and transactions
- Hands on with owner run businesses, not just spreadsheets and slides
- Plain language, concrete numbers and decisions you can actually act on
Pricing
Transparent, senior level pricing
Indicative ranges so you know what to expect. Final scope and fees are agreed after the diagnostic call.
CFO retainer
Ongoing fractional CFO support, scaled to your size and needs.
- Monthly reporting and board pack
- Cash flow forecasting and control
- Banking, budgeting and key decisions
Exit readiness review
A one off review to make your business sale ready.
- Value drivers and risk assessment
- Indicative valuation range
- Prioritized action plan
Acquisition analysis
Independent financial due diligence on a target you want to buy.
- Quality of earnings review
- Valuation and financing view
- Key risks and deal red flags
Ranges are indicative and depend on complexity. We agree a clear, fixed scope before any work begins.
Ask about our practical finance notes
Leave your email to request information about the resources available on cash flow, valuation and capital decisions. Mercova reviews each request individually.
Frequently asked questions
What owners usually want to know before reaching out.
Get a clear read on your finances
Book a free diagnostic call and leave with at least one concrete thing to act on, whether or not we work together.