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Tradepoint CFOs

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Woonsocket, RI
Tradepoint CFOs

CFO advisor, Bookkeeping and Tax Professional. I am a
Certified Quickbooks Online and Xero ProAdvisor.

My goal is to help small business owners to have a growing and successful business!

09/04/2026

Being busy is not the same as being profitable.

Fully booked. Phones ringing. Team slammed. And somehow the bank account never reflects it.

Busy hides a lot of sins - underpriced work, jobs that lose money, a few great clients subsidizing a bunch of bad ones. Volume feels like success, but volume without margin is just exhausting your way to break-even.

The goal was never to be the busiest. It was to keep the most.

What would change if you tracked profit per job instead of jobs per week?

09/02/2026

Your line of credit is not a growth strategy.

A line of credit is a bridge - useful for a gap you can see across. It becomes dangerous when it quietly turns into the thing funding your operations every month.

If you're drawing on it just to make payroll or cover the slow weeks, that's not growth financing. That's a cash flow problem wearing a disguise. The fix isn't a bigger limit - it's a forecast that shows the gap before it hits, and a plan to close it.

Be honest: is your credit line a bridge, or a crutch?

08/31/2026

Revenue is vanity. Profit is sanity. Cash is king.

You can post a record sales month and still not make payroll. Revenue is what you bill. Profit is what's left after costs. Cash is what's actually in the bank when the bills come due.

Chasing the top-line number feels great - until the money to fund it isn't there. The businesses that last watch all three, in that order, with cash as the one they never take their eyes off.

Which of the three are you actually managing to right now?

08/28/2026

You didn't start your business to spend Sunday night wrestling a spreadsheet.

But that's where a lot of founders end up: doing the finances themselves at 11pm because it's "too important to hand off" and "not worth a full-time CFO salary."

Here's the reframe. Every hour you spend reconciling accounts is an hour you're not spending on the two things only you can do: building the product and driving sales.

A CFO Advisor isn't a luxury for big companies. It's how growing owners buy back their most expensive resource - their time - and still get financial decisions made with confidence.

The goal isn't just better numbers. It's you, out of the weeds, back to running the business.

What's the one task you'd hand off tomorrow if you could?

08/26/2026

The worst time to try to raise money or get a bank loan? When you actually need it.

By then you're negotiating from weakness, and your financials are a mess of catch-up work that makes lenders nervous.

What a bank or investor actually wants to see:
- Clean, current financials.
- A forecast that shows you understand where the business is going.
- Clear unit economics that prove the model works.
- A founder who can speak to the numbers with confidence.

Funding-ready isn't a document you produce in a weekend. It's a foundation you build before the opportunity - or the emergency - shows up.

Getting ready 6 months early is the difference between "yes" and "let's revisit next year.""

08/24/2026

How many months could your business survive if revenue stopped tomorrow?

If you don't know that number in your sleep, you're not alone - but it's the single most important number you own. It's called runway: cash in the bank divided by how much you burn each month.

Why it matters: runway is time. Time to fix a slow quarter, negotiate a better deal, or walk away from a bad customer instead of clinging to them out of fear.

Founders who know their runway make calm decisions. Founders who don't make desperate ones.

You don't need a finance degree to track it. You need it updated and in front of you, every single month.

08/21/2026

"Unit economics" sounds like an MBA word. It's actually the most important question in your business:

Do you make money every time you make a sale - after ALL the costs?

Not revenue. Not gross margin. After everything it took to win and serve that customer.

Because if you lose a little on every sale, growing faster just means losing money faster. You can scale yourself straight into a hole.

Get these three: cost to acquire a customer (CAC), what a customer is worth over time (LTV), and your true margin per sale.

When those numbers are healthy, growth is your friend. When they're not, growth is the accelerant on a fire.

Do you know your real profit on a single sale?

08/19/2026

"Can I afford to hire?"

Almost everyone tries to answer it by staring at their bank balance. Wrong tool.

Your bank balance tells you what you have today. A hire is a bet on the next 6-12 months.

The real question: does this person generate (or free up) more than they cost, and do I have the runway to cover them until they do?

A quick gut-check before any hire:
- Monthly fully-loaded cost (salary + ~20-30%).
- The payback: what they produce or unlock.
- Months until that payback lands - and can my cash survive the gap?

Revenue makes hiring feel possible. Cash flow tells you if it actually is.

08/17/2026

You can be profitable and still run out of money.

Sales are up, the P&L looks great, and then payroll week arrives and the account is scary-low.

Here's why: profit is an opinion (it lives on a report). Cash is a fact (it's what's actually in the bank). The gap between them is where businesses die - money tied up in unpaid invoices, inventory, or a customer who pays in 60 days while your bills are due in 15.

The fix isn't working harder. It's a simple 13-week cash flow forecast that shows you the squeeze before it happens.

If "profitable but broke" sounds familiar, you're not bad at business. You're missing a forecast.

08/14/2026

You didn't do anything wrong. You just grew.

3 signs it's time for a CFO Advisor, not just a bookkeeper:

1. You're profitable on paper but somehow always tight on cash.
2. You're making 6-figure decisions off a gut feeling instead of a number.
3. Your books tell you what happened last month, but nobody's telling you what's coming next quarter.

A bookkeeper keeps the scoreboard. A CFO Advisor helps you win the game.

Which of these 3 hits closest to home right now?

Address

Woonsocket, RI

Opening Hours

Monday	9am - 9pm
Tuesday	9am - 9pm
Wednesday	9am - 9pm
Thursday	9am - 9pm
Friday	9am - 9pm
Saturday	9am - 5pm

Telephone

+14012165295

Website

https://tradepointcfos.com/, https://www.libertytax.com/21668

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