The Foundation
The Financial Physical
A complete diagnostic of your business's financial health —
with answers you can act on immediately, whether you work with us or not.
What you receive
What You Walk Away With
Your Leak Report
A detailed report showing exactly where your business is losing money — ghost expenses, misclassified transactions, and margin gaps — with a dollar amount attached to every finding.
Your Financial Snapshot
A clear picture of your current financial health — revenue trends, margins, expense breakdowns, and cash position. Not a data dump. A readable summary that actually makes sense.
Your Bankability Assessment
We calculate the key ratios that lenders look at when you apply for a loan or line of credit. You'll know exactly where you stand and what would need to change to get approved.
Your 90-Day Roadmap
A prioritized list of what to address first, what it's worth, and what steps to take — with or without Saldo. This roadmap is yours to keep regardless of whether you continue working with us.
How It Works
How the Financial Physical Process Works
Although every business is different, every Financial Physical follows the same structured process — designed to be simple for you and thorough on our end. Here's what to expect:
Book a Discovery Call
A free 15-20 minute conversation to learn about your business and make sure the Financial Physical is the right fit.
Share Your Documents
We send you a secure link to upload your financial records — P&L, balance sheet, bank statements. Don't worry if they're messy or if you're missing any of these items. You send us what you have.
We Do the Work
Our team reviews everything, runs the analysis, and builds your Leak Report, Bankability Assessment, and 90-Day Roadmap.
We Walk You Through It
We schedule a delivery call to go through every finding together. You'll understand exactly what we found and what it means for your business.
What Happens After