CFO Grade

Step 1 — your numbers

Tell us what your books look like.

Use the form, or upload a CSV, Excel, or PDF file with two columns: a label and a number. Leave anything you don't have blank — we'll calculate what we can.

Reading lens

Plain-English memo: what's working, what to fix, and a 30/60/90-day playbook for margin improvement.

Business details
Optional — used in the report header.

Sets the peer benchmark used to grade your ratios.

Used for formatting and the AI memo.

Unlocks in-region peer benchmarks.

Income Statement
What came in and what it cost you to earn it.
USD

Total sales for the period

USD

Direct cost of products/services sold

USD

Excluding depreciation/amortization

USD

Non-cash expense on tangible assets

USD

Non-cash expense on intangibles

USD

Interest paid on debt

USD

Income taxes for the period

USD

Non-operating income

USD

Non-operating expense

Balance Sheet — Assets
What the business owns at period end.
USD
USD

Money customers owe

USD
USD
USD
USD
USD
Balance Sheet — Liabilities & Equity
What it owes and what's left for owners.
USD

Money owed to suppliers

USD

Including current portion of long-term debt

USD
USD
USD
USD

Owners' / shareholders' equity

Cash Flow & Debt Service
Cash actually generated and what you owe lenders this period.
USD

Cash from operating activities

USD

Cash spent on PP&E

USD

Principal due in this period

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