Most consultants sell motivation and slogans. At UMoney we turn the financial data from your ERP, banks and sales into a data-driven profitability model. Fractional CFO services that grow your net profit and stabilize your cash flow.
We don't just write recommendations. We sit with you at the management table, make decisions together and put them into practice with your banks, suppliers and sales teams.
A senior CFO function sized to your needs: annual budget, variance control, bank representation and monthly management reports for companies with ₪2M-80M in revenue.
Connecting ERP, CRM and payment data into live dashboards in Power BI and Excel. Pinpointing profit leaks down to the single SKU and client.
Controlled growth: branch feasibility checks, repricing, sales incentives tied to net profit and protection from a cash flow collapse as you scale.
Precise break-even and product pricing calculations. Spotting loss-making products, repricing and growing gross and operating profit.
A forward-looking schedule of payments and receipts that bridges gaps from long payment terms and avoids surprises and penalties on your bank credit lines.
State-guaranteed loans, new bank credit lines and better terms from funds and lenders, backed by a tight financial model.
Most consultants give generic advice on "time management" or "social media marketing" without knowing what is happening in your cash flow and with your banks. With us, everything starts and ends with hard numbers.
Pulling data from Hashavshevet, Priority, banks and payment processors to build an objective picture.
Testing every move in advance: what happens to profit if you hire another employee, buy equipment or open a branch.
A fixed weekly status meeting to track performance, correct deviations and make decisions in real time.
It's the question CEOs ask us most. Here is the key difference between someone who reports on the past and someone who leads the future:
We work with small and mid-sized businesses (annual revenue from ₪1.5M to ₪50M) where revenue is growing but net profit isn't, or that are at a growth crossroads, raising financing or dealing with cash flow challenges. Our clients include trade, services, restaurants, construction, e-commerce, cleaning and staffing companies. At this size a full in-house finance department is expensive, while an external advisor pays for itself quickly.
It depends on the task. The first step is free: a 15-minute diagnostic call. If you need an in-depth review, the next step is a strategy session with a statement audit, from ₪1,850 + VAT (held in Hebrew or Russian). We quote the exact amount before work begins. Ongoing fractional CFO support is billed monthly.
Two formats. A project with a defined outcome: a diagnosis, a business plan or raising credit. Or ongoing support: a fractional CFO with regular meetings and monthly reporting.
Building the foundation (diagnosis, financial model, cash flow and pricing) usually takes 30-45 days. After that, most clients continue with ongoing CFO support on a monthly retainer to protect the results, manage the bank relationship and drive growth.
First conclusions from the numbers are usually ready 1-2 weeks after we get access to the data. The payment calendar and expense control start working in the first month, and the effect of revised pricing and product mix shows up after 2-3 months.
Not at all. Your accountant represents you before the tax authorities and reports on the past. We act as your internal management arm: the finance leaders of your management team, focused on growing net profit and keeping cash flow under control. We work alongside your accountant and help you decide what prices to set, which business lines to develop, how to finance growth and how to avoid cash gaps.
Meetings, reports and correspondence are in Hebrew or Russian. Documents for the bank, your accountant and the state-guaranteed funds are prepared in Hebrew, and we communicate with your accountant directly.
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