# LopezCFO.com


## Posts

- [This Company Adds 240 Customers a Year. Why Isn’t It Growing?](https://lopezcfo.com/think-like-a-cfo/boat-mechanics-maintenance-plans-churn/): Case 6 · Recurring Revenue & Retention. A boat mechanics business sells 240 new maintenance plans a year and loses about as many. Should the owner hire more sales and service staff?
- [Would You Buy This Business for $3 Million?](https://lopezcfo.com/think-like-a-cfo/pest-control-business-3-million/): Case 5 · Recurring Revenue. A pest-control company appears expensive at $3 million until normalized EBITDA, retention, churn and the Rule of 78 reveal the recurring-revenue engine.
- [WorldCom: When Reported Earnings Stop Meaning What They Say](https://lopezcfo.com/think-like-a-cfo/worldcom-reported-earnings/): Case 4 · Earnings Quality. WorldCom showed how moving ordinary operating costs to the balance sheet can turn losses into reported profit and make earnings stop reflecting economic reality.
- [How Do I Read This P&L?](https://lopezcfo.com/think-like-a-cfo/how-to-read-a-profit-and-loss-statement/): Case 3 · Earnings Quality. Learn how a CFO reads a P&L — from revenue and gross margin through EBITDA, normalization and the cash obligations the income statement does not show.
- [Would You Take $7M for an HVAC Business You Think Is Worth $10M?](https://lopezcfo.com/think-like-a-cfo/hvac-business-7m-offer-10m-value/): Case 2 · Earnings quality. An HVAC owner thinks his business is worth $10 million. A buyer offers $7 million. Here is how a CFO rebuilds the earnings and decides whether to sell or keep building.
- [Would You Buy This HVAC Company for $4.2 Million?](https://lopezcfo.com/think-like-a-cfo/hvac-company-perfect-cash-flow/): Case 1 · Earnings quality. A seller presents $1.1 million of “owner cash flow” to justify a $4.2 million asking price. Normalize the add-backs, replacement management and capex before you believe it.

## Pages

- [Think Like a CFO](https://lopezcfo.com/think-like-a-cfo/): Every week, David Lopez, CPA breaks down one financial problem from a different CFO angle — buying a business, making an owner decision, reading a financial report, or studying what caused a company to fail.
- [Case Study: The 35% Markup That Wasn't a 35% Margin](https://lopezcfo.com/markup-vs-margin-case-study/): Markup vs margin: how one line in a spreadsheet quietly cost a profitable construction management firm nine points of gross profit on every job it bid — and what it took to find it.
- [Thank You](https://lopezcfo.com/thank-you/): Your message came straight to me — not a call center, not an intake team. Here's exactly what happens next.
- [QuickBooks Cleanup Services](https://lopezcfo.com/quickbooks-cleanup-services/): Months — or years — behind on your books?
- [The Real Cost of Doing Business on the Water](https://lopezcfo.com/cost-of-doing-business-on-the-water/): Three financial realities every marine and coastal business shares — and why they make margin discipline matter more than growth.
- [Cash Flow Management](https://lopezcfo.com/cash-flow-management/): Most businesses that fail were profitable on paper. They ran out of cash — because money came in slower than it went out, and nobody was watching the timing.
- [Bookkeeping Services](https://lopezcfo.com/bookkeeping-services-for-small-business/): Bookkeeping services for small business owners across South Florida — reconciled accounts, coded transactions, and a monthly close that lands on the same date every month.
- [Outsourced Accounting Services](https://lopezcfo.com/outsourced-accounting-services/): Bookkeeping, controller oversight, and CFO strategy under one roof and one flat monthly fee.
- [How Much Does a Fractional CFO Cost?](https://lopezcfo.com/fractional-cfo-cost/): Across the market, fractional CFO services generally run $2,000 to $10,000 per month depending on scope — versus $250,000+ in salary and benefits for a full-time hire.
- [Fractional CFO Services](https://lopezcfo.com/fractional-cfo-services/): Outsourced CFO leadership for South Florida businesses doing $1M–$20M.
- [Fractional CFO & Accounting Services in Weston](https://lopezcfo.com/fractional-cfo-weston/): A fractional CFO in Weston, FL — not an office we opened here, but home.
- [Fractional CFO Services in Miami](https://lopezcfo.com/fractional-cfo-miami/): Miami's economy moves fast and punishes businesses that can't see their own numbers.
- [Fractional CFO Services in Fort Lauderdale](https://lopezcfo.com/fractional-cfo-fort-lauderdale/): A fractional CFO in Fort Lauderdale gives you executive financial leadership for businesses with $1M–$20M in revenue — bookkeeping through CFO strategy, for one flat monthly fee.
- [Contact](https://lopezcfo.com/contact/): Every engagement starts with a free 30-minute discovery call. No pressure. No pitch. Just an honest conversation about where you are and where you want to go.
- [Pricing](https://lopezcfo.com/pricing/): One flat monthly fee. Bookkeeping is included in every tier — never a separate line item, never a volume surcharge. Month-to-month, no lock-in ever.
- [About](https://lopezcfo.com/about/): David Lopez CPA is the fractional CFO and accounting partner behind Lopez Consulting — serving South Florida's most ambitious businesses.
- [Home](https://lopezcfo.com/): Lopez Consulting Services delivers executive-level financial leadership — bookkeeping, controller oversight, and CFO strategy — all under one flat monthly fee.
- [Privacy Policy](https://lopezcfo.com/privacy-policy/): Lopez Consulting Services PLLC (“Lopez Consulting,” “we,” “us,” or “our”) operates the website lopezcfo.com.

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