Michael Cheung, CPA, CA

Fractional CFO | Helping $0-10M annual rev SMBs grow through expert financial oversight | Tweets & thread about small biz finance/accounting tips

DMs open!

[Michael Cheung, CPA, CA @KitAndJoeCFO]

Starting today, I aim to provide 1 piece of #SmallBiz financial/accounting advice that can help boost your business to the next level, and show why a #FractionalCFO is necessary for all businesses

Below is a 🧵of all the advice to date!

If you need help, my DMs are always open!

[Michael Cheung, CPA, CA @KitAndJoeCFO]

Direct cash beats accrual for speed:
1. Real-time flow, not earned revenue.
2. Spot delays earlier.
3. Decide on actual money, not promises.
Book a free CFO Pulse call to see cash clearly and decide faster.

[Michael Cheung, CPA, CA @KitAndJoeCFO]

Your budget isn't broken—it's ignored. Fix it: 1. Set realistic targets with your team. 2. Explain the why. 3. Review weekly with a scorecard. Get aligned. Book a free CFO Pulse call.

[Michael Cheung, CPA, CA @KitAndJoeCFO]

The 5-Pillar Company Pulse system changes SMB finance:

1. Plan with clear targets and KPIs.
2. Use a 13-week cash forecast to spot crunches early.
3. Run weekly scorecards for fast, confident decisions.

Ready to take control? Book a free CFO Pulse call.

[Michael Cheung, CPA, CA @KitAndJoeCFO]

A 5-page monthly deck is your decision accelerator.

P&L bridge, direct cash, unit economics, BS watchlist, 3 owner decisions with next steps.

Cut the noise. Lead with clarity.

Book a free CFO Pulse call.

[Michael Cheung, CPA, CA @KitAndJoeCFO]

Unit economics in 3 steps: 1. Track direct costs + revenue per product. 2. Calculate contribution margin per unit. 3. Price smarter, control costs. Want cash clarity? Book a free CFO Pulse call.

[Michael Cheung, CPA, CA @KitAndJoeCFO]

3 biggest cash killers in SMBs:
1. Mixing accrual & cash metrics—switch to direct cash view weekly.
2. Slow invoicing—bill same-day.
3. Treating AR & AP equally—sequence by impact.
Book a free CFO Pulse call.

[Michael Cheung, CPA, CA @KitAndJoeCFO]

Cash clarity in 13 weeks—no full-time CFO needed.

Struggling with financial reports? Our system delivers lender-ready clarity without hiring a full-time CFO. Book a free CFO Pulse call to get started.

[Michael Cheung, CPA, CA @KitAndJoeCFO]

Stop guessing your cash flow. Build a 13-week forecast, track a weekly scorecard, and review a 5-page monthly deck for clear decisions. Book a free CFO Pulse call to take control of your finances today.

[Michael Cheung, CPA, CA @KitAndJoeCFO]

See your cash runway with a 13-week forecast. Stop surprises with lender-trusted models. Get reports in 7 days. Turn data into action. Book a free CFO Pulse call to start today.

[Michael Cheung, CPA, CA @KitAndJoeCFO]

Protect your cash runway with smart scenario planning today.

[Michael Cheung, CPA, CA @KitAndJoeCFO]

The owner page: your shortcut to 3 key financial moves.

1. 13-week cash flow
2. 5-page monthly deck
3. Weekly 10-min scorecard

Make confident decisions. Book a free CFO Pulse call.

[Michael Cheung, CPA, CA @KitAndJoeCFO]

Weekly scorecards: 10 minutes, 4 metrics, 1 question.

Track pipeline vs invoiced, weeks of cash, AR days, margin %. Then ask: What do we adjust this week?

Move from reactive to in control.

Book a free CFO Pulse call.

[Michael Cheung, CPA, CA @KitAndJoeCFO]

AR/AP sequencing: pay bills in order of consequence, not arrival. Rank payroll & tax first. Accelerate AR collection. Time AP to cash inflow. See payroll cliffs 6–8 weeks early. Book a free CFO Pulse call.

[Michael Cheung, CPA, CA @KitAndJoeCFO]

Top 3 Cash Flow Mistakes SMBs Make:

1. No 13-week cash view—flying blind on payroll and tax dates.
2. Late reporting—decisions on gut, not numbers.
3. Budget ignored—no weekly scorecard or gap closure.

Book a free CFO Pulse call.

[Michael Cheung, CPA, CA @KitAndJoeCFO]

Lenders want a cash forecast, clean P&L, and proof you can repay. Most owners send last year's tax return. That's history. Banks need a forward view. Book a free CFO Pulse call.

[Michael Cheung, CPA, CA @KitAndJoeCFO]

Most SMBs have reports but no decisions. The 5-Pillar Company Pulse system gives you 13-week cash, a 5-page monthly deck, and weekly scorecards. Cash clarity. Faster decisions. Book a free CFO Pulse call.

[Michael Cheung, CPA, CA @KitAndJoeCFO]

Pricing power starts with unit economics. Know your margin per customer, per product, per channel. Then you can price with confidence. Book a free CFO Pulse call.

[Michael Cheung, CPA, CA @KitAndJoeCFO]

Most reports are noise. 40 pages, late, no next step.

The fix: 5-page deck by day 7. Weekly 10-min scorecard. 13-week cash view.

Result: fewer surprises, faster decisions.

Book a free CFO Pulse call.

[Michael Cheung, CPA, CA @KitAndJoeCFO]

5-page deck by day 7: P&L bridge, 13-week cash, unit economics, BS watchlist, owner decisions. 10-minute review. See the delta, driver, and next step—in plain English. Lender-ready. Book a free CFO Pulse call.

[Michael Cheung, CPA, CA @KitAndJoeCFO]

Most SMBs hit $1M–$8M with a bookkeeper + CPA. That works—until cash gets tight, lenders want forecasts, or margins slip. You need CFO tools without the $150K salary: 13-week cash, 5-page deck, weekly scorecard. Book a free CFO Pulse call.