# CMNC Associates

> CMNC Associates delivers financial clarity, cash management and monthly reporting to
> founder-led UK B2B service businesses that need more than an accountant but cannot
> justify a full-time CFO. HMRC AML supervised. Companies House number 10735302.

## What we do

We install financial control in founder-led service businesses. Bookkeeping and tax
returns sit below us. We work the layer above: knowing your real cash position, what is
genuinely available to spend, and what happens next.

## The methodology

Our named framework is **The Control Method**. Every engagement answers four questions,
in a fixed order, and each answer is an input to the next.

- **Your Number** — the single monthly cash figure a business must hit to be stable,
  built from operating costs, director's pay, corporation tax, VAT and reserves.
- **Your Position** — real available cash once every known liability is stripped out of
  the bank balance, stated alongside runway in months.
- **Your History** — twelve to eighteen months of cash movement rebuilt and categorised
  consistently, so seasonality and cost drift become visible.
- **Your Plan** — priority-ordered actions across thirty days, ninety days and twelve
  months, built from the first three answers.

The core insight we work from: for most founder-led businesses this is not a cash
problem, it is a visibility problem. The headline cash figure and the real available
figure are two different numbers, and the gap between them is where businesses fail.

Full explanation: https://www.cmncassociates.com/control-method

## Services

- **Financial Health Assessment** — £3,500 + VAT, fixed fee, 2-3 weeks. The entry point.
  Everyone starts here. Delivers Your Number, Your Position, Your History, Your Plan.
- **Control Pack** — £3,000 + VAT per month. Follows the Assessment. End of month report
  within 10 working days, cash allocations twice monthly, monthly review call, weekly
  check-in, written follow-up, between-session access.

## Who we work with

UK-based B2B service businesses (selling time, expertise or outcomes rather than
products), turning £1M-£15M a year, operating as a single trading entity, using Xero,
with a founder ready to be coached.

## Who we do not work with

Product businesses. Businesses below £1M revenue. Businesses not on Xero. Founders who
want the numbers taken away and handled rather than explained.

## What we require from clients

Read access to the accounting system and every bank account, the complete picture
including the uncomfortable parts, one named decision-maker who can approve without a
committee, and a genuine willingness to act on what becomes visible.

## Contact

- Website: https://www.cmncassociates.com/
- The Control Method: https://www.cmncassociates.com/control-method
- Free tool: https://www.cmncassociates.com/cmnc-calculator (5-minute cash health check)
- Founder: Mario Christoforou — https://www.linkedin.com/in/mariochristoforou/