Our Practice

Senior finance expertise, applied where it matters most.

Tide & Anchor Advisory provides hands-on financial leadership across eight core practice areas — each designed to help e-commerce and consumer businesses gain clarity, improve performance, and build the financial discipline required to scale.

01

Fractional CFO Leadership

Executive-level financial leadership, without the full-time commitment.

Many growing businesses need a CFO but are not ready to hire one full-time. Tide & Anchor provides experienced CFO-level leadership on a fractional basis — working directly with founders and leadership teams to support strategic decision-making, financial planning, capital allocation, and performance management. We become a genuine partner to your business, not a consultant who delivers a report and disappears.

What this includes

Strategic financial planning and decision support
Capital allocation and investment prioritization
Performance management and accountability
Board, investor, and lender communication
Finance team leadership and development
M&A support and due diligence

02

Financial Planning & Analysis

The financial intelligence your business needs to move with confidence.

Good decisions require good information. Tide & Anchor builds and operates the FP&A infrastructure that gives leadership teams a clear, current view of business performance. From annual budgets to rolling forecasts and scenario models, we design reporting that is practical, actionable, and built for the way your business actually operates.

What this includes

Annual budgeting and planning
Rolling forecasts and variance analysis
Long-range financial planning
Scenario and sensitivity modeling
KPI development and management reporting
Board and investor reporting packages

03

Cash Flow & Working Capital

Know where your cash is, where it is going, and how to protect it.

Cash is the lifeblood of any business, and managing it well is one of the most important — and most overlooked — financial disciplines. Tide & Anchor provides rigorous cash-flow forecasting, liquidity planning, and working-capital analysis to help businesses maintain adequate runway, avoid surprises, and make smarter decisions about inventory, purchasing, and capital deployment.

What this includes

Thirteen-week cash-flow forecasting
Liquidity planning and runway management
Inventory analysis and purchasing discipline
Accounts receivable and payable optimization
Working-capital improvement initiatives
Cash preservation in constrained environments

04

Profitability & Margin Improvement

Understand what is driving your margins — and what is eroding them.

Revenue growth means little if margins are thin or declining. Tide & Anchor conducts detailed profitability analysis at the customer, channel, product, and SKU level to identify where your business is truly making money — and where it is not. We then work with your team to address pricing, cost structure, and operational inefficiencies that are holding profitability back.

What this includes

Customer, channel, and product profitability analysis
SKU-level unit economics and contribution margin
Pricing strategy and price realization
Cost reduction and margin leakage identification
Trade spend and promotional ROI analysis
Gross margin and EBITDA improvement planning

05

Turnaround & Performance Improvement

Stabilize the business, preserve cash, and build a path back to profitable growth.

When a business is underperforming — whether due to rapid growth, margin compression, operational dysfunction, or financial distress — it needs experienced leadership that can act quickly and decisively. Tide & Anchor brings a structured, practical approach to financial stabilization and performance improvement, with a focus on cash preservation, cost restructuring, and building the accountability required to execute a recovery.

What this includes

Financial stabilization and cash preservation
Cost restructuring and business prioritization
Operating accountability and performance tracking
Creditor and lender communication support
Recovery planning and execution
Post-turnaround finance infrastructure build

06

Board, Investor & Lender Reporting

Clear, credible financial communication for the people who matter most.

Boards, investors, and lenders need financial information that is accurate, well-organized, and tells a coherent story about business performance. Tide & Anchor designs and produces reporting packages that give stakeholders the clarity they need — including performance narratives, forward-looking forecasts, scenario analysis, and decision-ready financial summaries.

What this includes

Monthly and quarterly board reporting packages
Investor and lender financial updates
Performance narratives and management commentary
Forward-looking forecasts and scenario analysis
Covenant compliance and lender reporting
Private equity sponsor reporting support

07

Finance Infrastructure

Build the financial foundation your business needs to scale.

Many growing businesses outpace their finance infrastructure — operating with spreadsheets, informal processes, and reporting that no longer serves the complexity of the business. Tide & Anchor helps companies build or improve the forecasting processes, reporting packages, management cadences, financial models, approval controls, and scalable finance workflows required to operate with discipline and confidence.

What this includes

Financial model design and build
Reporting package development
Management cadence and operating rhythm design
Approval controls and financial governance
Finance process documentation and standardization
Scalable workflow and system improvement

08

AI-Enabled Finance

Practical artificial intelligence for finance teams that want to work smarter.

Artificial intelligence is creating real opportunities for finance teams to work more efficiently, analyze data more deeply, and generate insights more quickly. Tide & Anchor helps finance teams identify and implement practical uses of AI — including reporting automation, data analysis, forecasting support, repeatable financial workflows, management insights, and agentic AI tools. We emphasize responsible implementation, human review, and measurable business value over novelty.

What this includes

AI opportunity identification for finance functions
Reporting and workflow automation
AI-assisted data analysis and forecasting
Agentic AI tools for repeatable finance tasks
Responsible AI implementation and human review protocols
Measurable ROI and business value assessment

Not sure which service fits your situation?

Most engagements begin with a conversation. We will listen to what you are dealing with and tell you honestly whether and how we can help.