Eliminating Net-60/90 cash flow gaps, renegotiating bank facility caps, and plugging hidden profit leaks. Strategic financial leadership for companies doing ₪1M - ₪50M - without a ₪45,000/mo full-time executive salary.
Daniel Igelnik · CFO & financial advisor
20+ years in finance (since 2006) · 5.0 on Google
Your accountant looks backward to report tax liabilities. We look forward to safeguard your cash, optimize gross margins, and engineer scalable growth models - without the $150k+ full-time executive overhead.
SKU & Client-level margin analysis: discover which accounts actually generate profit.
13-Week Cash Flow radar to eliminate Shotef+90 payment lag surprises.
Bank-ready financial model to secure State-Guaranteed lines at optimal interest.
A quantified financial breakdown revealing exactly where your business is leaking cash and what levers will boost net profit.
From 13-week dynamic cash flow forecasting and non-dilutive debt procurement to fractional CFO leadership - driven by live ERP and banking data.
Joint in-depth analysis of P&L, balance sheets, cash flow, and bank statements with Daniel Igelnik. Identifying profit leaks and building an actionable 90-day turnaround or scaling roadmap.
Transform liquidity from a constant fire drill into predictable momentum. Complete control over receivable gaps and buffer safety.
Outsourced executive finance: managerial P&L, granular margin analysis, budget guardrails, and capital protection.
Seamless data pipelines from Priority, Hashavshevet, CRMs, POS, and banking APIs into live, automated executive intelligence.
Strategic scaling grounded in unit economics: expansion due diligence, margin-aligned sales incentive architecture, and price re-engineering.
Optimal working capital and growth financing: Israel State-Guaranteed Funds, Tier-1 banks, and specialized credit lines.
Data-driven financial models proving repayment capacity, unit economics, and return on investment to lenders and investors.
Not every business requires full-time executive CFO retainers right now. For independent founders, sole proprietors, and scaling SMBs, we packaged UMoney's institutional models into turnkey Excel & Google Sheets templates: 1-2 concurrent banks, 3 credit card debit schedules, Spitzer debt amortization, VAT reserve tracking, and visual overdraft alerts.
A focused 15-minute diagnostic call with our financial analysts: we map cash flow bottlenecks, credit headroom, and profit leaks with zero obligation.
Different business models leak cash in different places. We bring tailored financial architecture.
Extreme mismatch between monthly payroll on the 10th and client disbursements arriving months later.
13-week rolling project cash runway, cash flow shields, and working capital credit backed by signed contracts.
Revenue grows while net profits are drained by escalating ad spend, gateway fees, customer returns, and dead stock.
SKU unit economics, CM3 contribution margin protection post-marketing, and dynamic inventory purchasing cycles.
A packed dining room but empty bank balances: kitchen waste, volatile ingredient prices, and unmonitored shifts.
Daily Prime Cost control (Food + Labor Cost < 60%), menu engineering, and separating dine-in vs delivery profitability.
Mandatory payroll on the 10th of every month, while institutional clients hold off settlement for 60 to 90 days.
Full loaded labor rate costing (pension, vacation, severance) and working capital bridge lines against receivables.
A rare synthesis of academic accounting rigor, over 20 years of battle-tested financial and CFO execution (in finance since 2006), and modern algorithmic Data Science & AI.
Pleased to meet you, I am Daniel Igelnik. Active in corporate finance and commercial banking since 2006 (over 20 years), I have directed financial divisions, orchestrated treasury flows, and structured debt facilities for hundreds of Israeli commercial entities spanning ₪1M to ₪500M+ annual turnover - across industry, wholesale, logistics, B2B services, and tech.
UMoney was established to eradicate a pervasive SME paradox: why do financial statements show healthy profit while bank accounts constantly face overdraft limits? We bridge the dangerous gulf between theoretical accounting and true commercial liquidity.
Our core edge lies in bridging formal fiscal credentials (BA in Accounting & Economics, Senior Payroll Auditor, Certified Director, and Executive CFO) with advanced Data Science and Agentic AI. We don't hand you a static PDF binder. We deploy live decision models, eliminate loss-making client accounts, and give leadership complete cash mastery.
Uncompromising transparency and verified expertise. Click any certificate to inspect full resolution:
Open University of Israel
Corporate Strategy & Capital Sourcing
Institute of CPAs in Israel
Corporate Officer & Audit Readiness
Growth & Operational Scaling
Valuation, Pricing & Unit Economics
Predictive Analytics & ML Algorithms
Autonomous Financial Agents & Automation
Real financial management is measured by figures on balance sheets and cash balances. Below is the firsthand experience of executives who entrusted us with data modeling, scaling, and capital defense.
CEO, Restaurant & Hospitality Chain
Facebook
"My restaurant chain expanded from 3 to 9 locations. Daniel built an airtight financial model for each branch, locked down food-cost controls, and prevented crippling cash crunches during rapid expansion. Highly recommended!"
CEO, Cleaning & Manpower Outsourcing
Google Review
"Our company managed to weather tough economic conditions solely thanks to your financial advisory. We calculated the exact hourly cost for every employee and eliminated unprofitable contracts. Highly recommended!"
CEO, Driving Academy & Professional Training
Google Review
"Automating our financial and operational processes delivered instant results: within six months turnover and operational scale grew more than 2.5 times. Complete cash transparency. Thank you. Highly recommended!"
CEO, Marketing & Strategy Firm
BIZmakeBIZ
"You are truly the best in financial management! I wholeheartedly recommend Daniel: trustworthy, honest, principled, and deeply understands Israeli cash flows while rigorously safeguarding the founder's interests."
Book a complimentary 72-hour diagnostic review without obligation.
In-depth guides on corporate finance, data modeling, and profitability architecture in Israel.
Cash Flow
How to manage Shotef+ credit terms, predict liquidity gaps 6 weeks early, and avoid unforced banking emergencies.
Daniel Igelnik
Unit Economics
Factoring in blended CAC, returns, 3PL logistics, and clearing fees to determine true SKU-level profitability.
Daniel Igelnik
Credit Strategy
Why 40% of standard applications get declined and how an institutional financial dossier secures lowest Prime margins.
Daniel Igelnik
CFO Leadership
CPAs look in the rearview mirror for tax compliance. Fractional CFOs steer forward to maximize equity value and cash returns.
Daniel Igelnik
Hospitality
A tactical framework for restaurant chains navigating food inflation, labor shortages, and aggregators' margin squeeze.
Daniel Igelnik
Leave your details for an initial financial diagnostic call.