About The Business Reference

Why This Site Exists

Most small business owners don't have a CFO on staff. They're making decisions about debt capacity, pricing, cash flow, and profitability with a calculator, a spreadsheet, and whatever they've picked up running the business. The formulas that would normally sit inside expensive financial software, or come from a consultant billing by the hour, aren't complicated — they're just not accessible.

This site exists to close that gap. Every calculator here is built to answer a real question a business owner or contractor runs into — how much debt can I actually carry, is this change order priced correctly, what's my real labor cost once burden is factored in — without a login, an email capture, or a sales pitch at the end.

Who's Behind It

This site is maintained by a Certified Public Accountant with an MBA and over two decades of experience in financial leadership roles across construction, manufacturing, and other industries — including full-time financial leadership positions at organizations ranging from $50 million to $500 million in revenue, as well as fractional CFO work for privately held companies in the $5 million to $30 million revenue range. That background shapes every calculator on this site: these are the same formulas and questions that come up in real financial leadership work, not generic content pulled from a textbook.

Who This Is For

Construction companies, contractors, and small business owners who want a straight answer to a financial question without wading through a 3,000-word article to get there. If you run a business with real numbers — payroll, job costs, debt, pricing — the tools here are built for you.

A Note on Accuracy

Every calculator is built around standard financial formulas used in accounting and finance. Results are only as accurate as the numbers you put in, and none of this replaces advice from your own accountant, CFO, or financial advisor who knows your specific business. Think of these tools as a starting point for a conversation, not a replacement for one.