Take Control of Financials.


Transform Your Business.


Maximize Profits!

Make Smart Financial Decisions.


Unlock Your Profit Potential.


Grow Your Small Business.

U.S. Small Business problems

As a business owner or leader, every decision you make shapes your path to profitability and growth. Our dedicated fractional CFO services for small businesses in U.S. help you invest your time and resources where they matter most. We guide you in optimizing financial strategies, maximizing returns, and balancing risk and reward — so you can drive stronger, more sustainable results. Book a free consultation today and start building a more profitable future.

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With 15+ years of financial expertize in industries like energy, retail, tech, finance, real estate, and eCommerce, we understand what it takes to help businesses thrive. Our fractional CFO services for U.S. small businesses are designed to manage risk, boost profitability and drive sustainable growth.

NextEra Energy, Inc
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Ameriprise Financial
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Best Buy
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Bluestem Brands
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Bunker 27
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Renew Developers
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Orbital Composites, Inc

"Every U.S. Small business wants to make more money;
our fractional CFO services will help you do just that".

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We take the worry out of 'figure-out-the-financials' so you can be free to focus on achieving your business goals!

In providing actionable insights, solutions, and recommendations that solve your biggest challenges, we’ll stand by you on your path to stability, growth, and prosperity.

Client Case Studies

bunker 27www.bunker27.com
Bunker 27 is a Texas based premium retailer of US military and patriotic-themed fine apparel with multiple retail outlets across the country.
Profit Spear has been fully engaged in financial management and accounting/bookkeeping services for Bunker 27 since 2023.
Click here to see case study->
bunker picture
renew devwww.renewdevelopers.com
ReNew Developers is a Connecticut based sustainable real estate development firm that specializes in land acquisition and build-out for data centers and utility scale renewable energy projects ranging from $20M to more than $100M in capital investments.
Profit Spear has been actively engaged in supporting Renew Developers since 2022.
Click here to see case study->
bloom energy
Click here to see our client success stories!

Fractional CFO Services

Smart decisions fuel profitable businesses. With our fractional CFO services for small businesses in the U.S., you get tailored financial strategies that strengthen your bottom line and power your growth. Let’s build your success together!

Business Planning & Analysis

Move your ideas and expansion plans forward with confidence. Our fractional CFO services provide robust cost-benefit analysis, detailed risk-return assessments, and expert financial insights tailored for U.S. small businesses. You bring your story and vision — we’ll bring the financial expertise to craft a compelling, investor-ready deck complete with solid financial analysis, profitability metrics, and future projections. Our mission is to empower growth, attract funding, and drive small business profitability across the U.S. Partner with us today to fuel your next stage of success!

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Cash Flow Management

Never get blindsided by cash shortages again. Our advanced cash flow projection models give U.S. small businesses full visibility into their operating cash flow, showing key levers you can use to maintain a healthy cash position at all times. We analyze major drivers of cash flow, identify where valuable cash is trapped in your business, and recommend actionable strategies to free up and optimize your cash flow. Partner with us today to strengthen your financial foundation and drive sustainable growth.

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Financial Management & Strategic Planning

Smarter financial management drives better financial outcomes. Do you have a strategic financial plan to achieve your profitability and growth goals? Is there a review process in place to ensure financial and operational effectiveness? Our fractional CFO services for U.S. small businesses create and manage a tailored financial management and planning process aligned with your goals and aspirations — laying out a clear, actionable path to success. This strategic financial guidance is essential for achieving sustainable profitability and long-term growth. Let’s build your roadmap to success today!

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Maximizing Profits

Wondering how to maximize your profits? We bring a full suite of tools and strategies to target the most critical element of your business — profitability. From driving revenue and margin expansion to managing and reducing costs, creating smart capital structures, and implementing efficient cash flow management, we help U.S. small businesses unlock sustainable financial growth. Our proven financial strategies reveal key levers to improve profitability and build long-term success. Let’s maximize your business potential today!

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Capital Investment & Planning

Move forward with confidence on your capital investment decisions — whether you're investing in physical assets, technology, marketing, or new equipment to drive growth and improve operating performance. Our fractional CFO services for U.S. small businesses provide thorough financial analysis to evaluate the soundness of each investment and ensure your capital is spent wisely for the right ROI. This strategic financial oversight empowers you to make smarter investments that fuel profitability and sustainable growth. Let’s maximize the impact of your investments today!

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KPIs (Key Performance Indicators)

Having a clear view of what's happening beneath the surface can save U.S. small business owners significant time, money, and frustration. With the right KPIs, you gain real-time insights to spot opportunities for improvement, reduce risk, and act proactively. Our fractional CFO services design customized Key Performance Indicators to help you measure business performance, ensuring profitability and reducing stress. Implementing these performance indicators is key to unlocking sustained growth and maximizing profitability. Let’s optimize your business performance today!

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Every profitable business decision needs great insights, robust analysis and sound recommendations. Our CFO services are designed to impact every aspect of your business and provide you with customized financial solutions to support you in your decision making to run and grow your business profitably!

Business Planning & Analysis

Take your ideas and expansion plans forward confidently with our robust cost-benefit and risk analysis, and a clear picture of risk and returns. You bring your stories and vision, and we will bring our financial expertise to help curate a well-crafted deck with sound financial analysis, projections, and profitability metrics, that tells the whole story and presents your ideas and vision to lenders and investors in the best possible light.

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Cash Flow Management

Never be blindsided by lack of cash to run your business.Our superior cash flow projection models will give you visibility to your operating cash flow situation and show you levers that are at your disposal to improve and maintain healthy cash position at all times.We will analyze all major drivers of cash flows and see where valuable cash is being trapped in your business and recommend actions you can take to free-up and improve cash flows.

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Maximizing Profits

Are you wondering how to maximize profits? We will bring all our tools to bare in going after this most critical element of your business. Starting from revenue and margin expansion, to managing and reducing costs, while creating smart capital and financial planning mechanism, down to efficient cash flow management. When we combine and harmonize these financial tools, it unlocks the drivers of profitability and reveals the levers that are at your disposal to maximize profits.

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Capital Investment & Planning

Move forward confidently with your capital investment decisions. Whether it's investing in physical assets that are needed to meet growth, or new equipment needed to boost operating performance. We help with your decision making by providing you with thorough financial analysis to gauge soundness of your investments and ensure it's money well spent and brings in the right ROI.

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Financial Management & Analysis

Smarter financial management leads to better financial outcomes. Do you have a financial game plan for clarity on what needs to be accomplished to meet profitability and growth goals? We will create and manage your financial planning process that embodies your goals and aspirations, and path forward to realizing them.

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KPIs (Key Performance Indicators)

Having a heads-up on what's brewing beneath the surface can save business owners a lot of frustration, time and money. This also provides timely opportunities for corrective action to reduce risk and uncertainty. We can design KPIs for your business so you can have a smart way of gauging performance to ensure efficient business operations and avoid unnecessary stress.

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Accounting and Bookkeeping Services

In addition to our expert fractional CFO services, our team of experienced accountants provides comprehensive accounting and bookkeeping services for U.S. small businesses. We ensure accurate record-keeping, create clear and transparent financial statements, and guide you in making smart financial decisions. We also help reduce taxes where possible and ensure your books are always ready for presentation to banks, lenders, and investors. Whether it's maximizing small business profitability or offering robust financial solutions, we provide customized support for every aspect of your business’s financial health. Let’s optimize your finances for growth and success!

Accounting

Accurate Monthly Financial Statements

Tax Ready Financials

CPA and Tax Support

Sales Tax and Payroll Accounting

Accounts Management & Reporting

Catch-up Accounting & Clean-up

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Bookkeeping

Complex Journal Entries

Bank & Credit Card Reconciliations

Merchant Account Transactions

AR/AP Reconciliation & Reporting

Tracking Inventory & Fixed Assets

Managing Chart of Accounts

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Tax & Audit

Tax Filing Support

Tax Accounting

Accounting Advisory

Audit Support

Compliance & Regulations

Banking & Investor Support

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Create your own dedicated finance team by bundling accounting and bookkeeping services along with Fractional CFO services !

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What's keeping you up at night?

We take the worrying out of 'figure-out-the-financials' so you can be free to focus on achieving your business goals!

In providing actionable insights, solutions, and recommendations that solve your biggest challenges, we’ll stand by you on your path to stability, growth, and prosperity.
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Schedule a free consultation to see how we can help your business!

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How We Help Our Clients

Your clear and confident path to Profitability and growth.

Let Profit Spear Consulting LLC help you unlock your business's true profit potential. Learn more about our solutions->

A trusted partner by your side; on your path to growth and profitability.

Our Purpose And Passion Are Deeply Linked To Your Success!

Our Process is Simple!

Let’s discuss about your business challenges, and how we can help you with targeted financial services and solutions.We will gather all relevant information, get to know your business, and start working on curating customized solutions to meet your specific needs.We will deliver top-notch solutions and services, answer all your questions, provide actionable insights and recommendations, and set you up for success in solving your business challenges.
Ready to get started?

Kickstart your path to profitability and growth!

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We honor our armed forces veterans. Please ask about our special pricing for veteran-owned businesses!
Free Templates and Resources
Business Model Canvas (BMC) Template
Business Model Canvas (BMC)

"What am I going to sell, who is going to buy it, and why will they buy it from me?"
Also get a step-by-step guide to help you create an organized and well-crafted business plan/pitch deck that will impress your target audience and present your business ideas and plans in the best possible light to investors and lenders.
Let us help you take your ideas and expansion plans forward confidently by providing robust cost-benefit and risk analysis while giving you a clear picture of risk and returns.

Discounted Cash Flow (DCF) Proforma Model
Discounted Cash Flow (DCF) Model Template

Investing valuable capital dollars in growth and expansion plans can make or break a business. We want to make sure you are spending your hard-earned money wisely and getting returns that drive long-term success.
It's very important to do proper due diligence and understand the cost-benefit and risks associated with your investment. Download a free discounted cash flow model to calculate NPV, IRR, payback of your investments, and grow your business with confidence.

Profit and Loss Template
Profit and Loss Template

A dynamic financial planning and management process will allow you to be nimble and react quickly. Whether it's changing sales and revenue strategy, decreasing operating costs and other expenses, managing labor/staffing, or payroll and other overhead expenses, you can be better prepared to navigate changes, plan for uncertainty, and be well-positioned to achieve your financial objectives.

Cash Flow Forecast Template
Profit and Loss Template

Don't be blindsided by lack of cash to run your business. Predict and identify cash crunch before it happens. Have clear line of sight on cash inflows versus outflows and be prepared to navigate unexpected expenses with confidence. Be ready and aware on when and how much cash to raise and avoid costly business disruptions.

WE MAKE SMALL BUSINESS DREAMS REALISTIC, ATTAINABLE, AND SUSTAINABLE.

With sound guidance and top-notch financial expertise, Profit Spear reduces small business owners’ most common growth strategy hurdles. Our approach to thoroughly getting the ins and outs of your business helps us zero in on your absolute best chances for advancing your vision and extending your reach.We want to make sure you move forward confidently in everything you do and have a robust cost-benefit and risk analysis framework to successfully run and grow your business.

YOUR CLEAR AND CONFIDENT PATH TO GROWTH AND PROFITABILITY.

We provide actionable insights, solutions, and recommendations that allow you to make better decisions and take more effective action, which we believe will be game changers and help you transform your business and take it to the next level.

It doesn’t matter who you are or what business you’re in—we’ll identify your best chances to succeed, help you build a brighter future, and unlock the full profit potential of your business.

Maximize profits with our strategic financial management solutions.

A TRUSTED PARTNER BY YOUR SIDE ON YOUR PATH TO GROWTH AND PROFITABILITY.

Our promise is to always be aligned and dialed into every on of your business realities. More than one-time consultants, we are your partners who are focused on finding your most profitable and risk-reduced path to growth, and will be by your side throughout every stage of your growth journey.

We’re committed to understanding what’s needed for you to truly thrive—no matter where you are on your growth trajectory.

OUR PURPOSE AND PASSION ARE DEEPLY LINKED TO YOUR SUCCESS!

Just as you are focused on growing your business and providing the best for your customers, so are we on having your back and standing alongside you with the financial expertise and solutions you need to be successful.

Minnesota-based Profit Spear Consulting, a Minnesota based LLC, was launched to address a unique need that small businesses have, i.e., the right combination of top-notch financial expertise, actionable insights, and solutions, combined with reliable and trusted relationship, to guide small business owners in making right tactical and strategic decisions necessary, and help them steer their business towards greater profitability.