My company is small. Is this really for me?

Support is aimed at owners of SMEs and startups with established operations, typically around EUR 1 to 30 million in annual revenue. Size alone is not enough: there needs to be recurring analytical work, available data and decisions to work on together.

I already have a coach. What would your role be?

We work on earnings, margins, cash and the economic assumptions behind decisions. A coach working on leadership or organisation may address a different need. We start by defining the financial visibility you lack and what your existing advisers already cover.

How long does ongoing support last?

We propose annual support billed monthly to analyse changes and follow decisions over time. The proposal specifies scope, fees, duration and applicable terms. The free introductory call establishes fit before any commitment.

How is this different from my accountant?

Your accounting firm may already provide advice, dashboards or forecasts. We first check what is covered. Within the agreed scope, Mercova adds recurring interpretation of earnings and cash, scenarios and decision follow up, with clearly allocated responsibilities.

Where should I begin?

Explore the sample report to see the method, or book the free 20 minute introductory call directly. We discuss your business, data and an upcoming decision. This first discussion is not a full audit and does not commit you to an engagement.

Financial support for owners

Your business is moving forward. Your numbers should help you decide.

You want to earn more, hire or grow the business. But you lack perspective on what it really earns and the cash available. Mercova helps owners of SMEs and startups interpret their numbers each month and prepare what comes next.

Book my free introductory call See a sample report

The decisions you face

The questions behind your decisions

Revenue alone cannot answer them. Connect margins, commitments and payment dates to make decisions with the full picture.

Do I have enough cash?

Payroll, tax, a large order, a slow paying client. Without a forward view of cash you are steering by the rearview mirror, and surprises always cost more than a plan.

Can I pay myself more?

Separate earnings, available cash and what the business needs to retain. We assess financial capacity to discuss with your advisers, alongside tax and legal analysis.

Which clients or activities justify our effort?

A popular offer may consume too much time or resource. We examine its contribution to fixed costs and available data to understand what actually remains.

Can we afford to hire or invest?

Costs often arrive before receipts. A forecast with several scenarios helps examine commitments, the lowest cash balance and the conditions needed before deciding.

Fictional example illustrating our financial management method.

5. Can you hire before the receipts arrive?

Starting with month M’s €90,000 cash balance, we compare three paths. This fictional hire costs €6,000 a month, plus €6,000 of initial spending. These are assumed total costs, not a salary benchmark.

Hiring reduces closing cash in M+1 to €58,000. Before deciding, we check the lowest balance within the month, the buffer required by commitments and genuinely secured receipts. Three positive closing balances do not establish that hiring is affordable.

See the figures and assumptions

Ongoing financial support, decisions every month

A dashboard is a starting point. We propose annual support around your results, cash and upcoming decisions, with a retainer billed monthly according to the agreed scope.

01
Understand your need
In a free initial 20 minute call, we discuss your business, available figures and a specific decision that concerns you.
02
Agree a clear annual scope
If there is a fit, the proposal sets out deliverables, meetings, data requirements, monthly fees and duration terms. You decide before committing.
03
Analyse, decide and review actions
Each month brings an interpretation of the figures and a discussion of decisions. Cash reviews can be more frequent when the need, data and scope support it.

For owners of SMEs and startups with an established business, typically around 1 to 30 million in annual revenue. The need for recurring analysis, data quality and your involvement matter as much as size.

Book my free introductory call

20 minutes to discuss your situation. No obligation.

How Mercova helps

Support that meets you at every stage

Mercova focuses on finance and economic decisions. A coach may address leadership or organisation; your accountant may already advise you. We clarify what is missing from your financial view and follow up agreed decisions.

Stage 1 · Get a grip on cash

See your runway and steer with numbers

A rolling cash forecast, clean monthly reporting and the five to eight KPIs that actually drive your business, delivered by a fractional CFO instead of a full time hire.

Tool: EBITDA to cash bridge Service: Fractional CFO

Stage 2 · Finance growth

Prepare financing for your plans

Assess repayment capacity, prepare financial information and compare scenarios before a bank discussion. Financing approval and terms depend on the lender.

Tool: Debt capacity calculator Service: Fractional CFO

Stage 3 · Build value and prepare to sell

Be ready long before the buyer calls

We close the gaps that erode value in due diligence, from quality of earnings to clean reporting and dependency on you, so the business sells for what it is worth.

Tool: Exit readiness score Service: Exit readiness

Free tools

Size the question in minutes

Three calculators built on the same logic we use with clients. No sign up to run them, just clear numbers you can act on.

Debt capacity calculator

Estimate how much debt your cash flows can responsibly support, before you talk to a single lender.

Open the calculator

Exit readiness score

A short diagnostic that scores how ready your business is for a sale, and where the value gaps sit.

Score my business

EBITDA to cash bridge

See why a profitable year does not always mean cash in the bank, line by line.

Build my bridge

Why owners trust Mercova

Investment bank rigor, owner pragmatism

You get the discipline of a top tier finance function, applied to the daily reality of running a founder led SME or startup.

Senior finance experience built in investment banking and corporate finance.
Independent and conflict free: we never sell financial products and earn nothing on your debt.
Direct, founder friendly communication, with no jargon and no theater.
Hands on with your tools, your accountant and your bank, not just slides.
One partner across cash, debt, reporting and exit, so nothing falls between advisers.

Not sure where to start?

Leave your email to request a discussion about your priorities in cash, debt, reporting or a future sale. Mercova reviews your request individually.

FAQ

Questions owners ask us

Straight answers on how Mercova works with founders and what it costs.

Start with the visibility you are missing

A free 20 minute call to understand your business and a decision ahead. If there is a fit, we then define annual financial support billed monthly.