This review follows a real Aperio engagement for a $10M Calgary services business. It highlights the specific problems we look for and the measurable shift that occurs when someone is finally paying attention.
Problem: A major receipt arrived late. Nobody noticed until the bank balance hit a critical low.
Result: Eliminated avoidable cash-flow anxiety.
Problem: Corporate deposits were earning 2% below market because rates hadn't been challenged.
Result: Five-figure annual lift on existing cash.
Problem: Predictable cash cycles were unmapped, making recurring "tight" weeks feel like emergencies.
Result: Total command of future obligations.
Problem: Suppliers were paid 10+ days early out of habit, unnecessarily trapping working capital.
Result: Immediate boost to working capital.
Hardening the bookkeeping foundation to ensure data integrity.
Mapping predictable patterns to eliminate liquidity surprises.
Establishing triggers for late receipts and collection delays.
Optimizing deposit rates and payment timing.
Using forward-looking data to de-risk hiring and expansion.
Viewing financials through a banking lens for lending readiness.