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In today's fast-paced market, companies without a dedicated CFO miss key opportunities. Banks demand more, debt piles up, and decisions made without clear financial insight lead to instability.
Who we can help?
Companies without a CFO or a strong financial leader on their team
Businesses seeking funding for growth, working capital, or investments
1.Secure funding from banks, investors, or alternative sources.
2.Restructure debt and optimize cash flow for financial stability.
3.Build a solid financial recovery plan tailored to your business situation.
4.Negotiate effectively with banks for better terms and reduced risks.
5.Strengthen internal financial management for long-term sustainable growth.
How we can help ↑
Founder with 18 years of experience in banking risk management and corporate finance.
"I've structured hundreds of financial plans and truly understand the reality entrepreneurs face and not just on paper."
Study cases
Financial control and restored confidence
A fast-growing distribution company had lost control over its finances. There was no clear budget, cash flow was unpredictable, and the relationship with the bank was deteriorating. Hill Consulting stepped in to implement an annual budget, liquidity forecasts, and a tailored reporting system. At the same time, we supported management in discussions with the bank. The result? In less than three months, the company regained financial stability and secured a new credit line.
From financial distress to sustainable restructuring
An industrial manufacturer with unbalanced loans was facing a financial standstill. Despite solid revenue, loan repayments weren't aligned with incoming cash flow. We restructured the company's financing, renegotiated terms with the banks, and built a realistic turnaround plan. Within two months, the company restored its liquidity and entered a phase of controlled growth.
How we reduced risk in a growing business
An FMCG company was experiencing strong sales but offered overly generous payment terms. Cash flow was under pressure, and the risk of non-payment was rising. Hill Consulting implemented an internal credit management system – risk scoring, credit limits, and strict policies. Within three months, the average collection period dropped significantly, and liquidity stabilized. The business kept growing – this time, sustainably.
The CFO Brief
FAQ
1. How can I get a clear and predictable view of my cash flow without an in-house CFO?
At Hill Consulting, we build cash flow management systems that give our clients complete visibility over their liquidity. From monthly forecasts and stress test scenarios to automated alerts, we bring the financial discipline your business needs without the overhead of a full-time CFO.
2. What type of financing is right for my company right now?
Many businesses access funding that doesn't fit their operating model. We assess your current capital structure and recommend tailored solutions: credit lines, leasing, factoring, or alternative funding, all aligned with your operational rhythm.
3. How do I know if my company's debt is sustainable?
Without a CFO, many companies overlook early warning signs of financial imbalance. We evaluate your debt load, repayment capacity, and cash flow patterns to provide a clear picture and actionable plan before the banks raise a red flag.
4. How can I manage payment terms and credit risk without hurting sales?
Trade credit is useful but risky if unmanaged. We design credit policies, assess customer creditworthiness, and implement smart monitoring systems that protect your cash flow without adding internal bureaucracy.
5. How do I maintain strong banking relationships without a CFO handling lender communication?
We become your financial voice at the table. From preparing documentation to managing conversations with credit officers, we help support your credit rating and negotiate better terms. We act as your external CFO, deeply familiar with your business.
