Countermark
A fractional CFO with an AI finance team behind it

Find the money
your business
is losing.

Then keep it from happening again.

You pay dozens of vendors, run half a dozen systems, and have employees handling money without anyone watching. Nobody has time to check whether any of it is right. In one week, our $500 diagnostic shows you what it's costing you, in dollars. If we don't find at least $5,000, you get the $500 back.

Book a 20-minute call See the $500 diagnostic
Found at one home services company $160K the company was owed and didn't know $112K in vendor overcharges 40 → 10 hrs to close the month
General ledger · October Flagged for your CFO review
Date Vendor / customer Ref Amount Review
10/02 Coastal Supply Co.Materials BILL-4398 2,418.00
10/08 Coastal Supply Co.Same amount, new bill number BILL-4471 2,418.00 paid twice
10/09 Job 2207, Henderson residenceMarked complete, no invoice JOB-2207 6,950.00 never billed
10/14 Fleet fuel cardWithin normal range CARD-0921 1,286.55
10/15 Card processor feesEffective rate 3.4%, agreement says 2.6% STMT-OCT 1,912.30 over contract
10/15 Estimating software, 6 seats2 people still log in AUTO-PAY 474.00 cut 4 seats
10/21 Ridgeview HOA3 invoices, no payment on file INV-1180 11,380.00 91 days late
10/31 PayrollTies to payroll register PR-1031 48,212.40
Illustrative page. Names and amounts are examples. 5 flags · 3 checked
Case study · Multi-location home services company

A multi-location home services company. Here's what we found.

Five branches, several of them recently acquired, run as six legal entities. Each branch had its own vendors, crews and customer accounts, and bills, payments and invoices lived in different systems. Nobody had time to read all of them.

$160Kthe company was owed and didn't know about: funds a card processor was holding, plus payroll tax overpayments
$112Kin vendor overcharges: surcharges nobody agreed to, a prepay deal that cost more, and branch pricing gaps
10 hrsto close the month, down from 40, without a bookkeeper
What the review found

  1. A card processor holding money it owed

    $126,000

    Matching processor statements against bank deposits and the processor agreement showed the processor was holding $126K that belonged to the company. Nobody inside the business knew it was there.

    Vendor agreement check

  2. Payroll taxes overpaid

    ~$34,000

    Comparing payroll records with what was actually withheld and paid to the tax agencies turned up withholding errors and overpaid payroll taxes, money the company was owed back.

    Payroll check

  3. Surcharges nobody agreed to

    $55,000

    Reading every supplier invoice line by line turned up an extra surcharge that wasn't in any agreement. It had been added quietly and paid without anyone noticing.

    Vendor agreement check

  4. A prepay deal that cost more, not less

    $32,374

    The largest supplier's prepay program was pitched at 5–10% below normal prices. We compared all 173 lines ($268.7K) with what the branches normally paid for the same items. It came out 9.8% more expensive. A credit claim went to the supplier with line-by-line support.

    Credit claim filed

  5. Same item, different price at each branch

    $25,000 / yr

    With every branch's purchases in one place, the same products turned out to be priced differently from branch to branch. Moving every branch to the best price is worth $25K a year.

    Fixed
Recurring savings

On top of the one-time findings, the same review cut $217,000 a year in recurring costs: insurance on idle trucks, liability and workers' comp rates, a benefits overpayment, supplier pricing, and unused contractors and software seats.

The monthly close

Closing six sets of books took about 40 hours a month. With bank, card and supplier data flowing in daily and transactions classified automatically, it now takes about 10 hours, without a bookkeeper.

What we check

We connect read-only to the systems your money moves through, then an AI reads every line and a CFO reviews what it flags.

≠

Vendors against their agreements

Surcharges, price increases and missing discounts that nobody agreed to.

%

Card processor

The rate you signed for against the rate you pay, plus any funds being held.

W-2

Payroll and payroll taxes

Withholding errors, overpaid taxes and benefits you're paying for by mistake.

?

Employees handling money

Refunds, discounts, voided invoices, overtime and card spending that don't look right.

$

Work never billed, money never collected

Finished jobs with no invoice, and customers who quietly stopped paying.

2×

Duplicates and dead weight

Bills paid twice, software seats nobody uses, insurance on things you no longer own.

The $500 diagnostic

One week, read-only, nothing for you to export. If we don't find at least $5,000, you get your $500 back.

  1. 1

    A 15-minute call

    You click "invite" to give us read-only access to your accounting, bank and payroll, and forward any vendor agreements you have. That's all we need from you.

    Day 1
  2. 2

    We read everything

    The AI goes through every transaction, statement and agreement. A CFO reviews what it flags and puts a dollar amount on each item.

    Days 2–6
  3. 3

    You get the list

    A marked-up report of what you're losing and how to get it back, walked through with you on a call. It's yours to keep either way.

    Day 7
After the diagnostic

Keep it from happening again.

If you want it running permanently, we build the system into your business and stay on as your fractional CFO.

  • One-time build: live connections to all your systems, daily checks, real-time reporting and forecasts. Quoted from what the diagnostic shows, with your $500 credited.
  • Monthly: the system kept running, plus a CFO who reviews your numbers with you every month and helps with cash, pricing and hiring decisions.

Led by the working CFO of a multi-location company. Tax work stays with your CPA.

What's
leaking
in yours?

Pick a time for a 20-minute call. We'll walk you through what the diagnostic found at a company like yours, and you can decide if you want one.

Book a 20-minute call

Or email us:

sam@countermarkhq.com