Santacruz Advisory — Services

Santacruz Advisory

Healthcare finance expertise,
without the full-time cost.

Two flexible engagement models designed for healthcare businesses that need CFO-level thinking — not another overhead line.

Engagement Options

Choose the model that fits
where your business is today.

All engagements are scoped to your operation. No long-term commitments you haven't agreed to.

Option 01

Financial Planning Project

A focused, one-time engagement ideal for organizations that require improved visibility into financial performance or are preparing for hiring, expansion, or capital planning decisions.

This engagement includes one or more of the following:

  • Annual operating budget
  • 13-week cash flow forecast
  • 12-month rolling financial projection
  • Operational KPI dashboard
  • Margin or cost structure analysis
  • Financial reporting clean up
  • Chart of account optimization

Deliverables are customized based on your business model and reporting needs and are typically completed within 2 to 4 weeks.

Primary Offering

Option 02

Monthly Fractional CFO Support

Ongoing financial oversight and reporting support for leadership teams that require CFO-level analysis without hiring a full-time finance executive.

Monthly services include:

  • Financial statement review (Income Statement, Balance Sheet, Cash Flow)
  • Variance analysis and performance tracking
  • 12-month rolling forecast
  • KPI monitoring and reporting
  • Budget-to-actual comparison
  • High-level revenue cycle review — payer mix analysis and denial trending
  • Monthly CFO strategy call (60 minutes)
  • Mid-month check-in (15 to 30 minutes)
  • Ongoing communication via email or messaging

Engagements are structured month-to-month with no long-term contract required.

Core Capabilities

Every engagement draws from
deep healthcare finance expertise.

Sixteen-plus years across skilled nursing, physician groups, and specialty practices — applied directly to your operation.

Financial Reporting & Analysis

  • CFO-level review of P&L, balance sheet, and cash flow
  • Executive narrative — what the numbers mean, not just what they are
  • Trend identification, margin analysis, and early warning flags
  • Performance benchmarking against industry standards

Budgeting & Forecasting

  • Annual budget development aligned to strategic and operational goals
  • Rolling forecasts that update as revenue, staffing, and payer mix shift
  • Provider compensation modeling for physician and specialty groups
  • Scenario planning for expansion, equipment adds, or service line changes

Cash Flow Management

  • 13-week cash flow modeling to anticipate shortfalls before they happen
  • AR aging review and payer mix analysis to identify collection leakage
  • Vendor payment prioritization and working capital strategy
  • Ongoing monitoring so leadership always knows what's coming

Strategic Financial Planning

  • Feasibility analysis and pro formas for new locations or service lines
  • Lender-ready financial packages for debt financing or capital raises
  • Buy/sell transaction support from initial analysis through due diligence
  • Long-range modeling to stress-test strategy before you commit

Ready to bring CFO-level clarity
to your organization?

Every engagement starts with a conversation. No obligation, no pressure.

Let's Talk

All engagements are custom-scoped. No retainers you don't need.