Financial, accounting, management and strategic structuring for SMEs.
PME 360 is Framework Consultoria’s solution for small and medium-sized businesses that need to organize management, strengthen financial information, and build a more reliable structure for growth.
The advisory connects financial management, strategic accounting, internal processes, systems & ERP, performance indicators, and business strategy to turn fragmented information into a clearer view of the business.
The objective is to help business owners better understand cash flow, results, margins, debt, working capital, risks, and investment capacity, creating a more measurable and predictable management model prepared for the company’s next stages of development.
As a company grows, financial complexity, decision volume, responsibilities, risks, and the need for reliable information also increase. PME 360 organizes this foundation so the business can operate with greater control, predictability, and execution capacity.
Four areas of support for different stages of an SME.
PME 360 can begin with an assessment, advance into management structuring, support growth decisions, and continue through recurring financial and management follow-up.
Financial, Accounting & Strategic Assessment
Assesses maturity, risks, weaknesses, inconsistencies, and opportunities to create a structured view of the company’s current situation.
SME Financial & Accounting Structuring
Organizes controls, routines, management information, and responsibilities to build a functional and trackable financial management structure.
Strategic Planning & Growth
Connects financial information, targets, scenarios, priorities, and investment capacity to decisions about the company’s future.
CFO as a Service / SME Controller
Provides recurring financial performance follow-up and management support to the business owners after the structuring phase.
Financial, Accounting & Strategic Assessment.
Before proposing changes, it is necessary to understand the company’s current reality. The assessment identifies weaknesses, risks, inconsistencies, and priorities that should guide the next decisions.
What we assess
The assessment combines financial, accounting, management, and operational information to understand how the company operates today.
- Bank accounts and financial organization
- Cash flow and predictability
- Accounts payable and receivable
- Income statement and accounting reports
- Chart of accounts
- Tax regime
- Pricing and margins
- Debt and working capital
- Systems, ERP, and internal routines
- Financial, accounting and operational performance indicators and risks
What the company receives
The assessment turns analysis into an executive view of the current situation and concrete priorities for action.
- Assessment report
- Financial and accounting risk map
- Management maturity matrix
- Identification of inconsistencies and bottlenecks
- Correction priorities
- 30-, 60-, and 90-day action plan
- Executive meeting with the business owners
SME Financial & Accounting Structuring.
After priorities are identified, the work advances to structuring the company’s financial and management foundation, including controls, indicators, and follow-up routines.
Foundation structuring
Separation of personal and business finances, review of accounts, financial categories, management chart of accounts, cost centers, records, documents, and posting standards.
Financial controls
Structuring accounts payable and receivable, bank reconciliation, actual and projected cash flow, overdue receivables, expenses, debt, and working capital.
Management reporting & indicators
Management income statement, gross margin, contribution margin, break-even point, pricing, profitability, and relevant indicators for performance monitoring.
Governance & management routines
Financial calendar, monthly closing, performance meetings, responsibilities, approval levels, dashboard, and routines needed to sustain the implemented controls.
Tools and routines to support management continuity.
The objective is not only to organize the company during the advisory engagement, but to leave practical tools that can become part of the management routine and continue to be used over time.
Management income statement
A structure for periodic review of results, margins, and business performance.
Projected cash flow
Forecast of cash inflows, outflows, and funding needs to support short-term decisions.
Budget model
A basis for financial planning, expense control, and target monitoring.
Performance dashboard
A consolidated view of the most relevant numbers for management follow-up.
Structured routines
Documentation of processes, responsibilities, and standards defined during the structuring phase.
Team training
Guidance on using the controls and maintaining the routines implemented.
Strategic Planning & Growth.
With a more organized management foundation, PME 360 connects financial information and strategy to evaluate growth paths, investments, and new business decisions.
Business model and priorities
Analysis of market, costs, positioning, channels, opportunities, portfolio, and other factors relevant to the company’s next stage.
Targets, projections & scenarios
Development of targets, financial projections, and scenarios to turn growth objectives into measurable decisions.
Credit, investment & preparation
Structuring information and analyses for investment decisions, banking relationships, expansion, or evaluation of new sources of capital.
CFO as a Service / SME Controller.
Ongoing follow-up keeps business owners close to financial information, indicators, targets, risks, and financial decisions even after the structuring phase.
Monthly follow-up
Recurring controllership and financial management support for business performance monitoring.
- Periodic performance meetings
- Income statement analysis
- Cash flow analysis
- Review of accounts payable and receivable
- Performance indicator monitoring
- Budget and target monitoring
- Decision-making support
Information for business owners
Organizing financial information in management language that helps business owners understand performance, risks, and priorities.
- Executive performance report
- Updated financial dashboard
- Management commentary on the income statement
- Projected cash flow
- Action plan and priorities
- Management recommendations
From intuitive management to structured management.
PME 360 creates the conditions for small and medium-sized businesses to move forward with greater clarity, reliable controls, management information, and planning capacity.
What is the next level of management your business needs?
Framework can assess your company’s current stage and recommend the most appropriate path within PME 360: assessment, structuring, strategic planning, or ongoing financial and management follow-up.