Business Advisory Services Financial Modeling, Budgeting & Projections

Financial Analysis & Management Reporting

Business Advisory Services

Zinner's team of experts can help you get the financial reports and data you need to make educated and impactful decisions for your business. 

In addition to historical financial reporting, the following reports provide data needed to make proactive management decisions. 

Financial Modeling

Constructing a financial model requires a strategic approach and a careful evaluation of financial and other economic factors that affect a business. When constructing a financial model, we take a multi-variable approach. In addition, the modeling process must be flexible in changing variables to demonstrate stress points at which decisions will need to be made about adding employees, purchasing additional equipment, extending terms of financing, etc. 

This sophisticated, multi-dimensional model allows management to evaluate a variety of "what-if" scenarios to determine favorable course of action for the business. These financial models can also be used to create forecasts for internal management, lenders, investors, as well as other third-parties.


Constructing a budget is an important aspect of the management of a business and can help provide important guidance on how an organization procures and utilizes resources. But constructing a meaningful budget can be a time-consuming and intimidating task. Zinner's team can help you develop detailed budgets for individual departments as well as an entire enterprise.

Zinner's team can also help you evaluate your performance against the budget and help you identify areas of risk and potential improvement, allowing you to make better business decisions. The budgeting process is dynamic and acting upon actual variances against the budget has a direct impact on profitability. 

Cash Flow Projections 

Cash flow analysis and projections are an important part of proactively managing your business. Even profitable businesses can experience challenges related to cash-flow management. Zinner's team of accounting professionals help you anticipate cash-flow needs and events which may cause a cash short fall. We help you plan for these events and help you develop contingencies to help ensure you have adequate cash to continue profitable business operations. 

Zinner's team evaluates the following to ensure adequate cash flow:

  • Accounts payable and receivable
  • Debt load and service
  • Capital purchases
  • Inventory requirements
  • Tax payments
  • Employee incentive compensation
  • Shareholder return

Trend Analysis and Benchmarking 

Zinner's team of industry experts can help you identify key trends in your organization's performance, and provide you with vital insights into your Key Performance Indicators (KPIs); recognizing opportunities for growth and areas of potential risk.

Benchmarking is a highly useful way to measure your business's performance against your competitors in the industry. Zinner's team can help you calculate and compare these critical data points with industry averages and benchmarks. Typical benchmarks may include:

  • Profitability (Gross Profit Margin)
  • Revenue per client
  • Profit per client
  • Profit per product line
  • Revenue per employee
  • Liquidity ratio
  • Expense ratios
  • Debt to income ratio
  • Debt to asset ratio
  • Inventory turns
  • Utilization/realization rate

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