Capital & Risk Intelligence · $2M–$50M Businesses

Understand exactly what's driving
your business — before you make
a costly capital decision.

We price risk the way reinsurers do — probabilistically, not optimistically.

RAWAnalytix delivers actuarial-grade capital and risk diagnostics to owner-operated businesses. We tell you what your numbers mean — for your survival, your borrowing capacity, and your next move.

Revenue is up but you're unsure which divisions are actually profitable
Cash gets tight mid-month even though the business looks busy
You're expanding but not sure how much debt the business can safely carry
Pricing feels like guesswork — especially on new service lines
Book a Discovery Call View our services
Revenue Range Served
$2M – $50M Revenue
Analytical Methodology
Actuarial Grade
Intelligence Models
6 Integrated
Market Presence
Dallas, TX • Colorado Springs, CO • Nationwide

"We price risk the way reinsurers do — probabilistically, not optimistically."

Most businesses — in construction, logistics, B2B services, manufacturing, and professional services — have a CPA. But no one telling them what their numbers mean for their survival, their borrowing capacity, or their next capital decision. Accountants record what happened. RAWAnalytix models what's coming.

The Problem

Most SMEs are flying blind on capital and risk.

Most trade and service businesses grow on instinct. Without the diagnostics to understand their true financial position, owners make capital decisions on feel — and often discover the problem too late to act. This is especially acute in construction, logistics, freight and transportation, B2B services, manufacturing, and healthcare — sectors where cost structures are complex and capital cycles are unforgiving.

RAWAnalytix gives owner-operators the same capital and risk intelligence that institutional businesses have — without the overhead of a full-time CFO.

✓ Revenue coming in, but unclear which jobs or divisions are actually profitable
✓ Cash gets tight mid-month even when the business looks busy
✓ Expanding but unsure how much debt the business can safely carry
✓ Pricing feels like guesswork — especially on new service lines
70%
of OKR implementations fail in SMEs
Because they're aspirational, not capital-linked
3×
higher failure rate without liquidity modeling
Cash conversion cycles mismanaged until it's too late
$0
spent on actuarial-grade risk pricing by most SMEs
Generalist advisors can't price deal risk the way reinsurers do
The SEF Framework

A framework that helps businesses in three steps.

The RAWAnalytix Strategic Execution Framework (SEF) is the integrated intelligence engine behind every engagement. Three intelligence models. One compounding system. Clients can't replicate this with point solutions.

01
FIR — Diagnostic
Make the Business Measurable
Most owners don't actually know what's driving profit or cash flow. The FIR reveals margin structure, cost drivers, revenue quality, and working capital — with sector-calibrated KPIs benchmarked against industry peers.
02
CRI — Ongoing Intelligence
Make Decisions Controllable
Control debt capacity, capital allocation, and real financial risk. Ongoing modeling of borrowing capacity, scenario stress-tests, and risk heatmaps — with quarterly capital-anchored OKRs.
03
SEA — Deal Work
Execute Capital Decisions
Acquisitions, development projects, financing — with proper modeling and lender-ready analysis. Full capital stack analysis built for approval, not optimism.
Diagnostic
Ongoing Intelligence
Deal Work
RAWAnalytix SEF Framework — Three steps: Make the Business Measurable, Make Decisions Controllable, Execute Capital Decisions
RAWAnalytix Strategic Execution Framework — five-layer pyramid: Strategy, Capital Allocation, Operational Execution, Financial Analytics, Performance Intelligence
The Architecture

Five layers. Most advisors address one or two. The SEF addresses all of them.

Behind the three-step client journey is a structured five-layer analytical architecture — the RAWAnalytix Strategic Execution Framework. Each layer feeds the next. Strategy without capital allocation is a vision statement. Capital allocation without operational execution is a spreadsheet. The SEF connects all five in sequence.

Strategy Goals & direction — where are we going?
Capital Allocation Investment & resource planning
Operational Execution Process & delivery — how do we execute?
Financial Analytics Profit & cash flow analysis
Performance Intelligence Dashboards & KPIs — what are the results?

Aligning Strategy, Capital, and Performance — across every engagement.

Product Stacks

Three stacks.
One integrated engine.

Clients buy Stacks — the SEF is the engine. Each stack is a complete intelligence engagement matched to your stage. Most businesses start with a diagnostic, then move into ongoing intelligence and deal work when those moments come up.

Not ready for a full diagnostic?
Start with a 2-page Financial Health Summary. $750–$1,500. Delivered in 5 business days.
Start Here →
01
Entry · Gateway Diagnostic
Financial Intelligence Report
FIR — Every engagement starts here
Most engagements start here

For businesses that need to understand what's actually driving margin, cash, and risk — before making any capital decision.

The gateway diagnostic of the SEF. Full analysis of margin structure, cash flow, burn rate, and liquidity runway — with 8–12 sector-calibrated KPIs benchmarked against industry peers. Delivered in 2–3 weeks.

Includes
  • Financial Diagnostic — margin structure & cost drivers
  • Cash Flow & Liquidity — burn vs generation, runway
  • 8–12 sector-calibrated Performance KPIs
  • DSO, gross margin %, OpEx ratio, revenue per employee
Investment
$4,500 – $7,500
Fixed Fee · 2–3 Weeks
02
Core · Monthly Retainer
Capital & Risk Intelligence
CRI — Core revenue engine

For businesses carrying debt, seeking financing, or managing ongoing capital decisions. Monthly retainer.

Ongoing modeling of debt capacity, capital allocation, business risk, and scenario stress-tests. Triggered by capital event or FIR findings. Includes quarterly OKRs that are capital-anchored — not aspirational.

Includes
  • Debt Capacity — DSCR, leverage, covenant sensitivity
  • Capital Allocation — ROI ranking, payback, reinvestment
  • Business Risk — heatmap, fragility, concentration metrics
  • Scenario Stress Model — survival probability
  • Quarterly capital-anchored OKRs
Investment
$2,500 – $5,000/mo
6-Month Minimum
03
Premium · Capital Events
Strategic Execution Advisory
SEA — Project or retainer

For high-stakes capital events — acquisitions, refinancing, development deals, and lender preparation.

For capital events — acquisition, refinancing, expansion financing, or lender preparation. Full capital stack analysis. Lender-ready packages built to defend your numbers the way a CFO would.

Includes
  • Deal-specific modeling — acquisitions, refinancing, expansion
  • Bank & lender preparation — DSCR defense, covenant support
  • M&A and capital stack analysis
  • RE Development vertical — ARV stress test, exit scenarios
Investment
$8,000 – $25,000
Per Engagement
Not ready for a full engagement?
Start with a Financial Health Summary — a 2-page diagnostic snapshot.
Full client journey (FIR → CRI × 12mo → SEA): $60K–$120K+ LTV
Investment
$750 – $1,500
Get Started
The Cost Comparison

What CFO-grade intelligence actually costs.

A fractional CFO at your revenue size typically runs $6,000–$10,000 per month — for ongoing financial management. RAWAnalytix delivers the diagnostic intelligence and capital analysis without the management overhead.

Adjust the slider to your approximate annual revenue.

Annual Revenue $10M
$2M $50M
Fractional CFO
$96K
per year
RAWAnalytix CRI
$42K
per year
Estimated Annual Saving $54K

Fractional CFO estimate based on typical market rates for your revenue band. RAWAnalytix CRI at midpoint retainer rate.

What You Receive

The Financial Intelligence Report — what's inside.

Every FIR is a structured, board-ready diagnostic of your business finances. Built on the same analytical rigour applied in institutional capital environments — translated into the language of owner-operators.

Delivered as a working Excel model and executive summary. Not a PDF of opinions — a live analytical instrument you keep.

Financial Intelligence Report
FIR Deliverable Structure
Stack 01
1
Margin Structure Analysis
Gross margin, contribution margin, cost structure by division
2
Revenue Quality Assessment
Concentration risk, recurring vs one-time, growth trajectory
3
Cash Flow & Liquidity Model
Cash conversion cycle, burn vs generation, liquidity runway
4
Working Capital Dynamics
DSO, DPO, inventory turns, working capital efficiency
5
Sector-Calibrated KPI Benchmarking
8–12 KPIs benchmarked against industry peers in your revenue band
6
Profitability Driver Analysis
What's actually driving profit — and what's eroding it
7
Executive Summary & Decision Brief
Board-ready summary with 3–5 prioritised capital decisions
Delivered as Excel model + executive summary 2–3 Weeks
Specialist Vertical

Real Estate Development
Intelligence.

For real estate developers, we offer a dedicated engagement separate from the SEF stack. The Deal Intelligence Report applies the same actuarial-grade analytical rigour to project feasibility — stress-testing the five failure modes that kill development deals before they close.

Why Development Deals Fail — 5 failure modes: Overpaying for Acquisition, Underestimating Renovation Costs, Weak Redevelopment Strategy, Unrealistic ARV Assumptions, Poor Financing Structure
Deal Intelligence Report
Project Feasibility Analysis
Separate SKU — Per Deal Engagement

A full feasibility analysis of your development project — built around the five failure modes that consistently destroy deal returns. Each report covers the acquisition, construction budget, strategy selection, ARV support, and financing structure with scenario-stress outputs and a clear deal verdict.

What's Included
Development Cost Model
Hard costs, soft costs, financing, contingency — full TDC build-up
Strategy Comparison
Fix & Flip, BRRRR, Buy & Hold, New Construction, Value-Add — scored and ranked
ARV Stress Test
Bear / Base / Bull scenarios with cap rate sensitivity and sales comp reconciliation
Financing Structure Analysis
DSCR, LTC/LTV, debt service, break-even occupancy — what lenders will see
Deal Scorecard & Verdict
14-point automated scorecard with PASS/FAIL against institutional benchmarks
Risk Scenario Analysis
Top risk register with probability, impact scoring, and mitigation actions
Investment
$3,500 – $6,000
Per Deal
Who this is for
Residential and commercial developers evaluating acquisition, renovation, or new construction deals.
Request a Deal Analysis
Why RAWAnalytix

Why no generalist can compete.

Accountants tell you what happened. Consultants give opinions. RAWAnalytix runs probability-weighted scenarios grounded in your actual numbers.

Differentiator 01
Actuarial Risk Pricing
We don't model outcomes. We model probability, downside, and survival. No generalist consultant can credibly price deal risk the way a reinsurance actuary can — applying the same methodology used to stress-test institutional balance sheets.
Differentiator 02
Capital-Anchored OKRs
70% of OKR implementations fail because they're aspirational. Ours are capital-linked and immediately measurable. "Reduce DSO by 12 days to unlock $180K in liquidity" is a fundable OKR. "Improve customer experience" is not.
Differentiator 03
Sector-Calibrated KPIs
Benchmarked against industry peers, not generic templates. Every FIR delivers 8–12 KPIs specific to your sector and revenue band. This is the actuarial edge — competitors don't do this.
Differentiator 04
Integrated Intelligence
FIR reveals the problem. CRI structures the decision. SEA executes the capital strategy. The full picture compounds — clients can't replicate this with point solutions or generalist advisors.
vs. fractional CFO
A fractional CFO runs your finances. We diagnose them. We deliver the MRI — not the ongoing care.
vs. accounting firm
Accountants tell you what happened. We tell you what your numbers mean for what happens next.
vs. business consultant
Consultants give opinions. We run probability-weighted scenarios grounded in your actual numbers.
Get in Touch

Start with a conversation,
not a commitment.

Book a no-obligation discovery call. We'll review your current financial situation, identify where you're exposed, and determine whether a RAWAnalytix engagement is the right fit.

Email
rwilson@rawanalytix.com
Based In
Dallas, TX  •  Colorado Springs, CO  •  Serving nationwide
Typical Response
Within 1 business day

No pitch. No pressure. A 30-minute conversation to assess fit.

Message received.

We'll be in touch within one business day to schedule your discovery call.