Fractional CFO
Carlos Mendez
I help restaurant owners find the 10% of margin hiding in their P&L
Drag to orbit · hover a satellite
Phoenix, AZ English, Spanish 15 yrs experience
Taking clients · 5 hrs/week Remote · Phoenix area + remote
Carlos can help you
- 01Prepare for a bank loan or SBA application
- 02Monthly numbers review in plain English
- 03Cut recurring costs you forgot about
- 04Clean up and catch up your books
Real results
$350K SBA 7(a)
Family hardware store
- The problem
- Needed an SBA loan but the books were two years behind.
- What Carlos did
- Caught up the books, produced lender-ready statements and a 3-year forecast.
- The result
- Loan approved on the first submission.
+11% net margin
Taqueria with 3 locations
- The problem
- Busy every night but always short on cash by the 20th.
- What Carlos did
- Rebuilt the chart of accounts, found two mis-priced catering packages and renegotiated a produce contract.
- The result
- Positive cash every month within one quarter.
“Paid for herself in the first month. Not exaggerating.”
About Carlos
Carlos spent 15 years at companies like Deloitte and Sysco before going independent to work with owner-operated businesses. Carlos keeps things practical: small steps, clear numbers, no jargon.
Best fit: Owner-led businesses with 7–41 employees that are growing but stretched thin.
Clinics & practicesProfessional servicesSBA loansCost controlXeroBudgetingQuickBooks
Experience
- Fractional CFOIndependent · 2021–Present
- Senior AccountantDeloitte · 2017–2021
- Finance ManagerSysco · 2010–2016
CPA QuickBooks ProAdvisor
Ways to work: By the hour · Monthly retainer · Fixed project
Talk to Carlos this week.
Tell us a little about your business. We'll set up a free 15-minute intro call — if it's not a fit, we'll suggest someone who is.
