The Financial Operating SystemHealth Check
This is a direct, non sales conversation. We spend fifteen minutes identifying the specific administrative friction points actively draining your executive focus. No demos, no scripted pitch. The frame is operational drag, not marketing theory.
Eight objective financial metrics. Pick the ones that matter to you and we walk through them together. Each defines what it is, why it matters, and where it bites when the pressure is on.
Most of these eight don't show up as a problem on a normal week. They surface as a number nobody double checked, a report nobody read closely, or an administrative habit nobody flagged—until the business hits a stretch that actually needs proof (a bank review, a partner buyout, or a slow quarter) and there's nothing solid to stand on. The Health Check locates visibility gaps across all three core financial statements—P&L (EBITDA), Cash Flow Velocity, and Balance Sheet Solvency—so you see problems while they're still small, not after they've become expensive.
True Cash Runway
What it is: Fixed monthly outgoings measured against real cash velocity.
Why it matters: You stop guessing how long the business can survive a soft quarter and start operating from a number you can trust.
Where it bites: Growth, hiring, and capital expenditure decisions made on optimism instead of a number you can defend in a boardroom.
Revenue & Margin Diversity
What it is: Income and gross profit concentration across clients, channels, and contract types.
Why it matters: One dominant client or product line can look like strength until they leave or margins shift.
Where it bites: Negotiating leverage and valuation—a concentrated revenue book frightens buyers, banks, and insurers alike.
Gross Margin Velocity
What it is: The direction of actual net margin and unit profitability over the last six months.
Why it matters: Top line growth is meaningless if margin is quietly leaking through cost creep or unbilled variations.
Where it bites: Scaling efficiency—without this, you risk scaling the specific parts of the business that are quietly the least profitable.
Ledger & Intercompany Hygiene
What it is: Cleanliness of transfers, intercompany loans, and director drawings across entities.
Why it matters: Messy intercompany accounts create immediate tax risk, audit pain, and confusion about true entity profitability.
Where it bites: Audit readiness and debt refinancing—this is the exact thread that unravels first under due diligence or bank scrutiny.
Close Velocity
What it is: Days required to finalise, reconcile, and publish accurate monthly financial reporting.
Why it matters: A long close cycle means you are flying blind for weeks, while a short one lets you correct course early.
Where it bites: Every decision made while numbers are stale—by the time you spot a margin leak, it is already six weeks old and expensive.
Working Capital & Inventory Drag
What it is: Cash trapped across the supply chain—overdue customer invoices (AR), bloated stock holdings (Inventory/OTB), and unmanaged supplier terms (AP).
Why it matters: Cash already earned or committed is locked inside ledgers and warehouse shelves instead of sitting in your bank account.
Where it bites: Operational liquidity—your cash flow feels suffocated even when the P&L says you are profitable.
Continuity & Systems Risk
What it is: Vulnerability of internal finance infrastructure to key-person dependency and single points of failure.
Why it matters: Standardised processes ensure the finance function runs smoothly regardless of who is on leave or resigns.
Where it bites: Business continuity and sale value—if the daily finance function cannot survive one key employee leaving, the business isn't truly transferable.
Balance Sheet & Solvency Structure
What it is: Debt to equity ratios, tax reserves (ATO/Super/GST), and net asset coverage.
Why it matters: A profitable P&L means nothing if the balance sheet is quietly loaded with unserviced debt or hidden statutory liabilities.
Where it bites: Refinancing, credit limits, and owner distributions—banks and tax authorities look at what you owe versus what you own long before they look at your income statement.
A read-only Audit. Nothing more.
What You Walk Away With
- A completed diagnostic review of your ledger, AP/AR, and intercompany accounts
- Your 8 Commercial Vitals scored with clear Red / Yellow / Green status reports
- A 13-Week Cash Runway Baseline identifying current visibility gaps and drag
- A documented 30-Day Switch On plan
- A private, 1-on-1 walkthrough of the findings with the owner
If the initial 15-minute Health Check is a fit, we execute a Mutual NDA before anything else happens. Only then do we accept a completely non-disruptive, read-only data handoff into your ledger stack for The Financial Operating Audit ($4,000 Ex. GST · 100% credited back on conversion to a Managed Pod within 30 days).
- Zero Authorisation Rights
We hold no signing tokens, no MFA devices, and no ability to move funds.
- Zero Fund Movement
The audit looks strictly at data; it does not touch transactions or payment runs.
- Zero Friction for Staff
Office staff continue running the day as normal while we observe under NDA.
- Contained Scope
Access restricted strictly to ledgers, cash flow files, and reports needed to establish baseline truth.
The Financial Operating Audit
Read only Financial Operating Audit under NDA to locate data truth. ($4,000 Ex. GST · 100% credited back when you convert to a Managed Pod within 30 days).
Data Stabilisation
Isolate variances, correct historical drift, and align ledger inputs.
The System Blueprint
Document business logic, vendor rules, and reporting cadence into Rachy OS.
The Switch On
Daily processing goes live under the continuity backed Managed Pod; your live 13-week cash runway and 8 Vitals stream to your phone every Monday morning.
The Health Check provides a direct, objective map of your finance function and a clear, low-risk path forward.
Rachy works alongside your bookkeeper, accountant & advisers
Rachy does not replace your internal team or accountant. We strengthen the operating layer that makes their work faster, cleaner and more valuable.