Most small businesses are navigating complex financial decisions without a dedicated controller, using spreadsheets never designed for the complexity they now face.
That's exactly why M&S Financial Consulting exists. We give you access to the same quality of financial expertise that enterprise companies rely on tailored to your scale, your budget, and your goals.
Whether you're trying to get your books in order, prepare for a loan, plan your next hire, or think through an acquisition, we're the financial partner you've been looking for.
We translate complex data into decisions you can act on today.
Stop guessing. Start planning with models that actually work.
We move fast so you don't lose momentum on what matters.
We're not vendors. We work as part of your team.
"Know your numbers. Own your future."
M&S Financial Consulting
Five specialized practices that work independently or as part of a full financial transformation.
Your financial operations, workflows, and payroll redesigned for accuracy, speed, and scale.
Budgeting, forecasting, modeling, automation — a modern FP&A function built around your strategy.
Capital allocation, turnaround strategy — guidance on your most consequential decisions.
Connect your customer data to your financial strategy — driving profitability and reducing churn.
Transform your purchasing from reactive to strategic — cutting costs and building lasting supplier relationships.
Book a free 30-minute call. We'll listen, assess your situation, and recommend the right path forward.
We don't parachute in, drop a report, and leave. We work alongside your team while learning your business and staying until the job is done right.
We translate complex financial concepts into plain language that you can act on. You'll always understand what we're doing and why it matters.
Whether you're a 10-person company or a 500-person enterprise, we bring the same analytical and strategic thinking to every engagement.
Every engagement is measured against one bar: did it generate real, tangible impact for your bottom line? That's the only metric that matters to us.
We've designed our engagement process to be straightforward and focused on getting you results fast.
A 30-minute conversation to understand your business, your challenges, and your goals.
We'll share a clear proposal with transparent pricing.
We partner with your team and begin delivering results.
With the right financial foundation in place, your team can make smarter decisions and move faster.
For small businesses, we offer flexible engagement models from one-time projects to ongoing advisory retainers so you get expert support that fits your budget.
Ready to take the first step?
Whether you're a small business owner or an enterprise finance leader, we're here to help.
Tell us about your business — we'll reach out to schedule your free call.
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We founded M&S with a simple belief: every business, regardless of size, deserves access to high-quality financial expertise and advisory.
M&S Financial Consulting was founded to close a gap that we saw repeatedly throughout our careers: small and mid-sized businesses were making major financial decisions without the data, models, or expertise they needed to do it well.
Meanwhile, enterprise companies had entire departments dedicated to financial planning, analysis, and strategy. The disparity isn't necessary.
We built M&S to bridge that gap — bringing the same financial thinking to growth-stage companies and forward-thinking leaders.
Our Mission: To empower every business with the financial clarity, tools, and strategic guidance they need to make confident decisions, grow sustainably, and achieve lasting success.
We build models that eliminate guesswork and give leadership the clarity to make confident decisions.
We design frameworks that anticipate challenges and surface opportunities before they become obvious.
We're embedded advisors, not outside vendors. Your success is our success.
Every engagement is measured by one standard: real, tangible, bottom-line results for your business.
Whether you're a small business owner or an enterprise finance leader — we'd love to learn about your business and explore how we can help.
Your financial operations and workflows redesigned for accuracy, speed, and scale.
Most businesses don't have broken financials; they have broken processes underneath their financials. Manual workarounds, disconnected systems, and outdated workflows that drain time and cause errors.
Our Business Process Solutions practice diagnoses exactly where your operations break down and engineers a better way forward without disrupting what's working.
We audit your current accounting processes end-to-end and identify inefficiencies, control weaknesses, and bottlenecks that cost you time and money.
We identify the manual, repetitive financial tasks eating your team's time and help you automate them to create capacity for deep analysis.
Book a free 30-minute call. We'll identify your biggest process pain points and discuss a clear path forward.
Budgeting, forecasting, modeling, automation — a modern FP&A function built around your strategy.
Finance transformation is about moving from reactive to proactive. We combine reporting what happened with predicting what's coming and positioning your business to win.
We help you build the budgeting processes, forecasting models, and analytical infrastructure that turn your finance function from a cost center into a strategic asset.
We build dynamic, driver-based budgets and rolling forecasts that reflect how your business operates, not just what happened last year.
We build the financial models your business actually needs - whether that's a three statement model, a forecast scenario analysis, or a custom dashboard for your board.
We help you implement and connect the right tools, from Excel to enterprise FP&A platforms, so your team spends less time pulling data and more time using it.
Book a free consultation. We'll assess your current state and build a roadmap to get you where you need to be.
Capital allocation and turnaround strategy — guidance on your most consequential decisions.
The biggest financial decisions your business will ever make — launching a new product or pivoting your model- deserve more than gut instinct.
Our Strategy & Transactions practice brings financial analysis and strategic clarity to your high-stakes decisions, so you can move forward with confidence.
How you allocate capital is one of the most important strategic decisions you make. We help you make it with data, not gut feel.
When a business is underperforming, fast and clear financial analysis is critical. We help diagnose the root causes and build a path to recovery.
Bad deals, poorly allocated capital, and delayed turnarounds cost businesses millions. Our work often pays for itself many times over by preventing costly mistakes or unlocking hidden value.
Let's talk through your situation — confidentially, with no commitment required.
Connect your customer data to your financial strategy to drive profitability and reduce churn.
Your customers are your most important financial asset. But most businesses don't have a clear picture of which customers are actually profitable, which are at risk, and where their best growth opportunities lie.
Our Customer Solutions practice bridges the gap between your customer data and your financial strategy - helping you make smarter decisions about where to invest, who to serve, and how to grow sustainably.
Not all customers are created equal. We help you identify your truly profitable customers, the ones costing you money, and the ones with the most upside.
Customer churn is one of the biggest hidden costs in any business. We quantify the financial impact of churn and model the ROI of retention investments.
We help you align your sales, marketing, and customer success investments with financial outcomes — ensuring every growth dollar is working as hard as possible.
Book a free consultation to explore how we can connect your customer data to your financial strategy.
Transform your purchasing from reactive to strategic — cutting costs and building lasting supplier relationships.
For most businesses, procurement is reactive — you buy what you need, when you need it, at whatever price the supplier offers. That approach leaves significant money on the table.
Our procurement practice transforms your purchasing function into a strategic capability that reduces costs, improves vendor relationships, and builds processes that scale with your business.
We analyze your full procurement expenses to identify where you're overpaying, where you can consolidate suppliers, and where quick wins are available.
The best procurement outcomes come from strategic supplier partnerships, not adversarial negotiations. We help you build relationships that deliver long-term value.
Without clear procurement processes, spend control is impossible. We design the policies, approval workflows, and systems your team needs to buy smarter.
Book a consultation. We'll discuss your top savings opportunities and how we can deliver on reduction.
Practical financial insights for business owners and finance leaders who want to think differently about growth, strategy, and performance.
Each of our five services has a dedicated resource library. Click any service to learn more.