Our Services
Advisory Services Built for the Decisions That Define Your Business.
Every engagement is led directly by Joseph Padilla — a seasoned CFO and M&A advisor who brings executive-level financial leadership to privately held and lower-middle-market companies.
Fractional CFO Leadership
Senior financial leadership. Flexible engagement.
Most privately held companies don't need — or can't justify — a full-time CFO. But they do need CFO-level thinking. Pinnacle Financial fills that gap with a structured fractional engagement that puts executive financial leadership directly in your corner.
We attend leadership meetings, own the financial narrative, manage the month-end close process, and serve as a strategic partner to the owner and executive team. You get the depth of a seasoned CFO without the full-time cost.
What's Included
- Monthly financial review and leadership reporting
- KPI development and performance monitoring
- Cash flow management and working capital oversight
- Banking, lender, and investor relationship support
- Strategic financial planning and scenario modeling
M&A & Exit Readiness
Prepare your business to transact on your terms.
A successful exit doesn't happen by accident. It's the result of deliberate preparation — clean financials, a compelling story, and a business that can withstand scrutiny. Pinnacle Financial works with owners 12 to 36 months before a planned transaction to close the gaps that erode enterprise value.
We help you understand what buyers will see, address it before they do, and position your business to command the strongest possible valuation.
What's Included
- Exit readiness assessment and gap analysis
- EBITDA normalization and add-back identification
- Financial statement cleanup and presentation
- Deal process support and advisor coordination
- Management presentation and data room preparation
Financial Due Diligence & QoE Support
Transact with confidence. No surprises.
Whether you're acquiring a business or preparing to sell, financial due diligence is where deals are won or lost. Pinnacle Financial provides rigorous buy-side and sell-side due diligence, including Quality of Earnings analysis, to ensure you understand exactly what you're buying — or what a buyer will find.
We identify the risks, validate the numbers, and give you the clarity to negotiate from a position of strength.
What's Included
- Quality of Earnings (QoE) analysis
- Revenue and EBITDA sustainability assessment
- Working capital analysis and peg determination
- Debt and liability identification
- Financial model review and validation
Cash-Flow Restructuring
Visibility, control, and liquidity — when it matters most.
Cash flow problems rarely announce themselves clearly. They show up as stress, missed opportunities, and difficult conversations with lenders. Pinnacle Financial diagnoses the root causes — not just the symptoms — and builds the systems and structure to give you real visibility and control over your liquidity position.
We work with businesses navigating rapid growth, seasonal volatility, or financial distress to stabilize cash flow and create a sustainable operating foundation.
What's Included
- 13-week cash flow modeling and monitoring
- Working capital cycle analysis
- Accounts receivable and payable optimization
- Lender communication and covenant management
- Cash flow forecasting and scenario planning
Budgeting & Forecasting
Replace guesswork with a financial compass.
A budget that sits in a drawer isn't a budget — it's a document. Pinnacle Financial builds dynamic financial models and rolling forecasts that reflect your business reality, integrate with your operations, and give leadership a reliable basis for decision-making.
We design the process, build the model, and work alongside your team to make budgeting and forecasting a genuine management tool — not an annual exercise.
What's Included
- Annual budget development and departmental modeling
- Rolling 12-month forecast maintenance
- Variance analysis and management reporting
- Revenue and expense driver modeling
- Scenario and sensitivity analysis
Not Sure Which Service Fits Your Situation?
Most engagements begin with a confidential conversation. We'll listen, ask the right questions, and tell you honestly what we think you need.
Schedule a Confidential Consultation