FOR SMALL BUSINESSES AND SOLO CONTRACTORS

Your business deserves a financial expert in its corner.

Big companies have entire finance teams. You have Klarity. Real financial consulting built for small businesses and solo contractors — clear numbers, honest guidance, finally in your corner.

Book a Free Business Intro Call

We work with all kinds of small businesses and solo operators.

Klarity was built for business owners who do it themselves.

We work with contractors, tradespeople, freelancers, creatives, coaches, consultants, barbers, photographers, designers, online sellers, and every kind of solo operator in between. The industry doesn't matter. The size does.

If your revenue is under $1M and you've never had a real financial advisor in your corner — this is for you.

Contractors & trades

Photographers & creatives

Barbers & stylists

Freelancers & consultants

Online sellers

Designers & artists

Coaches & speakers

Small service businesses

Don't see your industry? If you're a solo operator or small business owner, you're in the right place. Book a free intro call and we'll tell you honestly if we're a fit.

These are the signs.

You check your bank balance instead of a forecast.

A balance tells you what happened. A forecast tells you what's coming. Klarity builds the forecast.

You don't know which jobs actually make you money.

Revenue isn't profit. Some of your busiest months are your least profitable. Klarity finds that.

Tax season surprises you. Every year.

Surprise tax bills aren't a tax problem — they're a planning problem. We fix the planning.

Three ways to work with Klarity.

The Klarity Session

$300 one-time

Your numbers. Laid bare. In 90 minutes. A deep dive into your business finances. We review your real numbers together, show you exactly what's happening, and hand you a clear action plan before you leave. The best first step before any retainer.

Klarity Core (Monthly Retainer)

$397/month · 3-month minimum

Monthly financial consulting designed specifically for solo contractors and small service businesses under $1M in revenue. We handle the numbers so you can focus on the work.

The PROFIT Method

6-month framework

Over 6 months, we work through the full PROFIT Method — a 6-step framework that takes your business from financial chaos to clear, profitable, and cash-healthy.

Klarity Core

Everything you get, every month.

Every Klarity Core client receives all four of these deliverables on the same date each month. No surprises. No chasing. Just clarity.

Klarity Financial Consulting · Klarity Core Deliverables

Acme Plumbing LLC — Monthly Financial Package

June 2026 · DEMO — sample data only

Simple Numbers scorecard — June 2026

Overall health score: 74 / 100 Good — 2 items need attention

Gross Profit Margin

54.9%

Target: ≥ 50%

✓ On target

Net Profit Margin

17.8%

Target: ≥ 10%

✓ On target

Owner Compensation

20.8%

Target: ≥ 10% of revenue

✓ On target

Debt Service Ratio

9.3%

Target: ≤ 10% of revenue

! Watch — approaching limit

Cash Reserve (weeks)

2.6 wks

Target: ≥ 4 weeks of expenses

✗ Below target — build reserves

Revenue per Job

$1,920

Target: ≥ $1,500

✓ On target

Scorecard consulting notes

✗Cash reserves at 2.6 weeks — priority 1. Goal: reach 4 weeks ($34,000) within 6 months. Set aside $1,200/month into a reserve account now.

!Debt service at 9.3% — fine today but leaves no room for growth debt. Plan to pay down the equipment loan by Q1 2027.

✓Gross and net margins both on target. Pricing is working — don't discount jobs to fill slow weeks.

June 2026 — Monthly financial snapshot

Revenue

$38,400

+12% vs May

Gross Profit

$21,100

54.9% margin

Net Profit

$6,820

17.8% margin

Cash in Bank

$22,140

Above floor ✓

Profit & loss — June 2026

Category	Jun 2026	May 2026	YTD
Service Revenue	$38,400	$34,200	$201,800
Cost of services
Labor (subcontractors)	$8,200	$7,400	$44,100
Materials & supplies	$6,900	$6,100	$36,800
Vehicle & equipment	$2,200	$2,200	$13,200
Gross Profit	$21,100	$18,500	$107,700
Operating expenses
Owner salary	$8,000	$8,000	$48,000
Insurance	$420	$420	$2,520
Software & subscriptions	$547	$547	$3,282
Marketing	$800	$600	$3,900
Loan payment	$3,560	$3,560	$21,360
Other	$953	$820	$5,140
Net Profit	$6,820	$4,553	$23,498

Consultant insights — June 2026

✓Revenue up 12% over May — strong month. The seasonal push is working.

✓Gross margin at 54.9% — above the 50% target. Materials cost stayed controlled despite higher volume.

!Net margin at 17.8% — healthy but the loan payment ($3,560/mo) is compressing it. Discuss refinancing at month 9.

→Next 30 days: watch subcontractor costs — labor as % of revenue crept from 21% to 21.4%. Small now, watch the trend.

Profit First allocation — June 2026 revenue: $38,400

Monthly Revenue

$38,400

Jun 1 deposit

Profit Account

$1,920

5% — untouchable

Account allocations this month

Account Target % Current % Amount

Profit 5% 5% $1,920

Owner Pay 30% 30% $11,520

Tax 12% 12% $4,608

Operating Expenses 55% 58% $22,272

Total 100% 105% $38,400

Profit Account

Your reward for running a profitable business. Distributed quarterly. Never touch it early.

Owner Pay Account

Your market-rate salary paid to yourself twice a month like clockwork.

Tax Account

Set aside every deposit so tax bills never surprise you again.

Operating Expenses

Everything that runs the business. If it's not in this account — you can't spend it.

Profit First consulting notes

✓All 4 accounts funded this month — the system is working exactly as designed.

!OpEx at 58% vs 55% target — loan payment is the driver. Focus on paying it down to bring this back in line.

→Q3 goal: move Profit % from 5% to 7% as revenue holds above $35K/month. That's an extra $768/month into profit.

13-week direct cash flow — Jun 1 to Aug 24, 2026

Opening

$18,500

Week 1 cash

Projected Close

$22,140

Week 13 end

Safety Floor

$8,000

Min comfortable cash

Weekly summary

Week	Inflows	Outflows	Net	Balance

Cash flow consulting notes

✓Balance above $8,000 floor in 11 of 13 weeks — solid cash foundation.

!Weeks 4 and 8: quarterly tax payments hit. Set aside $230/week now into a dedicated tax account.

→Average weekly inflow: $10,035. Invoice same-day on every job to maintain this rhythm.

Prepared by Klarity · klarityfinances.com · Demo — sample data only

Delivered by the 10th

Same date. Every month. No chasing.

60-min monthly call

Every number. Walked through together. Every month.

Plain language

No jargon. Ever. Plain language and clear next steps — every time.

You own the data

Every spreadsheet is yours. Export it, share it, keep it forever.

Your numbers. This clear. Every month.

Get Started — $397/month

PRICING

For Small Businesses and Solo Contractors

Best place to start

The Klarity Session

$300one time

90-minute deep dive into your business finances
Review your real numbers together
See exactly what's happening in your business
Clear, written action plan before you leave
Best first step before any retainer

★ Monthly Retainer

Klarity Core

$397/month · 3-month minimum

One 60-minute monthly consulting call
Monthly business financial snapshot
13-week cash flow forecast updated monthly
Simple Numbers scorecard reviewed monthly
Profit First cash management guidance
Job costing and pricing analysis
Annual budget build
Two async questions per week via email
Access to all Klarity business templates

PROPRIETARY FRAMEWORK

The PROFIT Method

Our proprietary 6-step framework for small business financial clarity.

PPicture

Know your real number

RRate

Price your work correctly

OOrganize

Separate every dollar (Profit First)

FFlow

Manage cash proactively

IImprove

Find the leaks and fix them

TThrive

Build for the long game

Questions

Who is this for?

Klarity works best for solo contractors, independent tradespeople, freelancers, and small service businesses with 1–15 employees and under $1M in annual revenue. If you've never had a CFO or financial advisor — this was built for you.

I already have a bookkeeper. Why do I need this?

Your bookkeeper records what happened. We interpret what it means, help you plan ahead, and help you make better decisions. Different roles — they work together.

I can't really afford it right now.

That's exactly when it matters most. The Klarity Session pays for itself in the first conversation — most clients find issues they didn't know were costing them money.

Are you a CPA?

No — Klarity is a Financial Consulting practice, not a CPA firm. We don't do taxes or audits. We do the consulting, cash planning, and financial decision support that most small businesses and solo contractors have never had access to.

What size businesses do you work with?

Solo contractors and small service businesses doing between $50K and $2M in annual revenue with 1–15 employees or contractors. The sweet spot is $150K–$800K revenue.

Your business finances. Finally clear.

Book a Free Intro Call

Or start with The Klarity Session — $300, no commitment.