Fractional CFO + operations for owner-led businesses
We find where your business is losing money.
Then we fix it.
Blue Water is a part-time CFO and operations team for owner-led businesses. Every month we show you where your money went, fix what's wasting it, and help you plan what's next.
- About 12 minutes
- Confidential
- Results on screen
- Banking background
- 10+ years
- working beside business owners
- Industries mapped
- 13
- each with its own diagnostic
- Two scores
- 6 areas
- financial control plus five in operations
- To get started
- $0
- the diagnostic is free
What we do, in three words
See it. Fix it. Grow it.
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1
See it.
Every month we turn your books into a plain-English report: what came in, what went out, what's left, and what changed.
For example: "Margin dropped 4 points because three jobs ran over on labor."
Finance · your part-time CFO
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2
Fix it.
When the numbers point to a leak, we fix the process behind it, with clear steps your team follows and the tools you already use.
For example: a job closeout checklist so every change order gets billed.
Operations · the team that fixes it
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3
Grow it.
With numbers you trust and a business that runs without you in every room, we plan the next move together.
For example: when you can afford the next hire, truck or location, and how to finance it.
Both sides, working together
How it helps you
What changes when we work together.
Most owners we meet are great at the work and short on time for the numbers. Here's the difference.
See where you stand- You find out how the year went at tax time. You see your numbers every month, in plain English.
- Payroll week makes you nervous. A cash forecast shows what's coming, weeks ahead.
- Invoices go out late and extra work never gets billed. A simple process makes sure every job gets billed, fast.
- Everything runs through you. Your team follows clear steps, so you can step back.
- The bank asks for financials you don't have. Clean, lender-ready financials every month.
Built for your industry
Start with your industry.
Each one has its own page: the leaks we find most, what a CFO watches, typical benchmarks, and a diagnostic written in your industry's language.
Who you'll work with
Two founders. One for your numbers, one for your operations.
A decade in business banking taught us what owners need and what lenders look for. You work directly with us, not a junior team.
Meet Bryce and Colin
Find out where your money is going.
Free, confidential, about 12 minutes. You'll see your scores and your biggest leak right away.