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Bookkeeping
Business Valuation
CFO/Controller on Call
Management Advisory
New or Start-up Business
Tax - Business
Tax - Individual

Even the most qualified business owners and managers can benefit from competent, objective feedback.


Hutchison & Gray, PLLC provides management advisory services in the areas of Cash Flow Management, Bank Financing, and Business Performance Monitoring.

Cash Flow Management

In business Cash is King. As a business owner it is important to know the timing of the inflows and outflows of cash. A cash crisis can be emotionally

devastating and it can even cripple a business. If you
have ever had to beg, borrow, or rob Peter to pay Paul, you know how important cash flow is to your business.

Our Cash Flow Management service allows you to:

• know when, where, and how your cash needs will occur
• know what the best sources are for meeting your additional cash needs
• be prepared to meet these needs when they occur, by keeping good relationships with bankers and
   other creditors

The starting point for avoiding a cash crisis is allowing Hutchison & Gray to develop a cash flow projection for you. We can help you develop both short-term (weekly or monthly) cash flow projections for you to help you manage daily cash, and long-term (annual or 3-5 year) cash flow projections to help you develop the necessary capital strategy to meet your business needs.

Creating an accurate cash flow projection is just one of the many cash management services Hutchison & Gray can provide. Hutchison & Gray can also assist in:

• Obtaining an appropriate line of credit
• Implementing cash collection acceleration techniques
• Implementing proven effective collection policies
• Implementing proven effective payment policies
• Assist in obtaining the maximum rate of return on idle cash

Contact us for your free initial consultation on how the Cash Flow Management service can work for you.

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Bank Financing

Need money to expand and grow your business? Need money to get you through the tight spots during the year? Hutchison & Gray, PLLC can help.

Requesting a business loan without adequate preparation can send the wrong message to the lender, your business is high risk. Therefore, it pays to be prepared and organized in your approach to obtaining financing.

Put your best foot forward by allowing us to prepare a winning loan proposal for you. Proposals prepared by Hutchison & Gray have a high likelihood of success because the loan proposal is prepared from the lender’s perspective.

You get the money you need because we know exactly what banks want to see. Even more importantly, we know how to prove to them that you’ll be able to pay them back.

A loan proposal prepared by Hutchison & Gray comes complete with the following:

• Executive Summary
The executive summary concisely states the purpose of the loan, the exact amount of money required, the collateral used to secure the loan, and an explanation of what the loan will be used for and why its needed.
• Pro-forma Cash Flow Projection based on integrated Income Statement and Balance Sheet
We use your data and underlying assumptions to develop a fully integrated model that your banker can easily read and buy into.
• Owners Personal Financial Statements
We make copies of the last 3 years of personal tax returns for the banks.
• Representation
We help substantiate your financial needs/position to your banker in person.

If you would like to obtain money to grow your business please contact us today.

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Business Performance Monitoring

Continually monitoring the performance of your business is critical. Through continuous monitoring you can spot negative trends early and take corrective action before serious operational and financial problems arise. Hutchison & Gray can assist you in the development and analysis of operational and financial key performance indicators (KPIs).

The Business Performance Report gives business owners a quick and easy to read report that turns financial data into information on a timely basis to keep you up-to-date on where your business is now and what direction your business is going.

The Business Performance Report consists of:

• Key Financial Data charted by month
• Condensed Historical Monthly Financial Summary
   - Balance Sheet
   - Profit & Loss (P&L)
   - Cash Flow
• Ratio Analysis
   - Liquidity/Stability Ratios
   - Profitability Ratios
   - Overall Efficiency Ratios
   - Specific Efficiency Ratios
• Ratio and Trend Analysis in Plain English
• Business Valuation – Short Form1
• Recommendations
• Action Items

How it works. You provide Ash Hutchison, CPA with the financial statements you prepare or we use the financial statements prepared as part of the Monthly Write-Up or Controller on Call services. This financial information is incorporated into the Business Performance Report. The Business Performance Report is then used as a tool during a monthly consulting meeting to understand how well the business is performing compared to prior months, where the cash went, whether the value of the business increased or decreased, accounts receivable management, etc.

If you want to pursue faster growth and bigger profits then the Business Performance Report is an excellent tool you can use to accurately decipher the information your accounting system provides and really understand what the numbers mean.

Contact us for your free initial consultation on how the Business Performance Report can work for you.

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