Estero Bay Strategic Management
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What we do

A disciplined operating rhythm from field work to bank file.

Estero Bay steps inside the business to make billing, cash, and lender reporting run on a cadence owners can see and use. The work is hands-on, local, and built for capital-intensive operators.

01 · Back-office takeover

Back-Office Management & Accrual Accounting

We take over the work between the field and the ledger: invoicing, AP/AR workflows, project cost tracking, and the handoffs that make a completed job billable now instead of weeks later.

  • Field sign-offs connected to accounting software
  • Digital AP invoice validation and scheduled pay runs
  • Work-in-Progress job cost matching
  • Audit-ready monthly close by the 10th business day

02 · Rolling cash stewardship

13-Week Cash Flow Forecasting

The forecast is not a spreadsheet that gets filed away. It is a weekly operating rhythm for knowing when collections arrive, when vendor payments clear, when payroll drafts, and what can safely wait.

  • Weekly liquidity review with ownership
  • Receivables aging triage before accounts reach 60 days
  • Vendor, payroll, tax, and capital expenditure timing
  • A rolling schedule updated as the business changes

03 · Bank credit packaging

Commercial Loan & Bank Line Packaging

Banks need a financial story they can underwrite. We document legitimate owner add-backs, rebuild collateral reporting, and prepare a complete credit file for the lender conversation.

  • Normalized operating statements and add-back schedule
  • Borrowing-base and receivables eligibility review
  • Debt Service Coverage Ratio modeling with a >1.30x target
  • Preparation for commercial bank loan committees

The required first step

Foundation Diagnostic

Every new engagement begins with a focused 30-day sprint. It gives owners a clean baseline and gives the ongoing work something reliable to manage.

Schedule the diagnostic

What happens in 30 days

  1. 01

    Forensic GL audit

    Review the general ledger, balance sheet, and source records to find misclassifications and missing operating detail.

  2. 02

    Normalize the picture

    Document legitimate owner add-backs, calculate a baseline DSCR across the trailing twelve months, and align the numbers with how the business actually operates.

  3. 03

    Put the rhythm in place

    Set up the first 13-week cash model, close cadence, WIP process, and clear handoffs for the monthly retainer.

How the cadence works

Clear work. Clear timing. Fewer surprises.

Daily

Field tickets, AP validation, invoice release, and payment follow-up move while the work is still fresh.

Weekly

The 13-week schedule gets updated with actual collections, vendor payments, payroll, tax reserves, and capital needs.

By day 10

The accrual close is ready for owner decisions, lender conversations, and the next cycle of planning.

We work on-site across Southwest Florida when the situation calls for it. That proximity matters when the fastest way to fix billing or job costing is to sit with the people doing the work.

Talk through your operating rhythm