What it is. A part-time senior finance leader for the Bronx companies: forecasting and cash-flow management, pricing and margin analysis, fundraising and lender relationships, and board-grade reporting, at a fraction of a full-time CFO's cost.
Who it is for. Companies across the Bronx too large for books alone but not ready for a six-figure CFO hire: growing businesses, ones raising capital, or ones facing a decision where the finance answer is not obvious.
Bookkeeper, controller, CFO. A bookkeeper records the past and a controller closes it. A CFO uses it to decide the future: what to price, what to fund, when to hire, and how to finance growth.
Corviniti provides bookkeeping, accounting, and tax services to small businesses across the Bronx, from The Hub and the Grand Concourse to Fordham Road, Hunts Point, and Co-op City. The Bronx anchors the region's food distribution and a large healthcare economy, and it files under New York City's tax rules.
A fractional CFO works with your business part-time on the strategic questions a bookkeeper or controller does not own: where cash will be in ninety days, whether the pricing covers cost, and how to fund the next stage. For a New York City company that includes knowing the city's capital landscape, from the banks and the SBA to the city programs and the deepest venture ecosystem in the country.
Corviniti keeps books, plans tax, and files returns for the Bronx businesses under one roof, led by a CPA with Big Four experience. The full New York City tax detail behind this service is on our New York City fractional CFO page; what it means for the Bronx is below.
This page sits under Corviniti Accounting in New York City, our New York headquarters. That page covers the full New York City and New York State picture, and links to the rest of our local coverage.
Cash flow
The 13-week cash flow, explained
The model that shows a shortfall weeks before it arrives: receipts timed to when customers pay, disbursements, and ending cash by week.
Anatomy of a 13-week cash flow model. Illustrative figures.
Financing
The New York City capital map
Where a New York City company actually raises money, and what each source expects: banks and the SBA, city programs, and the country's deepest venture and grant ecosystem.
The New York City capital landscape. Illustrative and not exhaustive.
This is for you if
You are raising money or applying for a loan and need a model that holds up.
You are growing but cannot see where cash will be in ninety days.
You suspect some of your products, jobs, or customers lose money and cannot prove which.
You have a board or investor and need reporting they trust, on time.
What you get
A forecast and a cash plan A rolling forecast and a thirteen-week cash-flow model that shows shortfalls before they arrive.
Pricing and unit economics True cost and margin by product, job, or customer, and the pricing decisions that follow.
Fundraising and lender support The model, materials, and map of New York City capital, from banks and the SBA to venture and city programs.
Board-grade reporting The monthly or quarterly package your board, investors, and lenders read and trust.
How We Help
What you get
A CPA-led engagement for the Bronx businesses, priced flat, with the New York City tax detail handled.
A forecast and a cash planA rolling forecast and a thirteen-week cash-flow model that shows shortfalls before they arrive.
Pricing and unit economicsTrue cost and margin by product, job, or customer, and the pricing decisions that follow.
Fundraising and lender supportThe model, materials, and map of New York City capital, from banks and the SBA to venture and city programs.
Board-grade reportingThe monthly or quarterly package your board, investors, and lenders read and trust.
When companies bring us in
You are raising money or applying for a loan and need a model that holds up.
You are growing but cannot see where cash will be in ninety days.
You suspect some of your products, jobs, or customers lose money and cannot prove which.
You have a board or investor and need reporting they trust, on time.
The Detail
The gaps, and how we close each one
Service 01
The businesses the Bronx depends on
The books and tax work should fit the local economy. Here is what the Bronx's looks like and why it shapes the work.
How we handle it
The Bronx depends on wholesale food distribution and food manufacturing, healthcare and social assistance, construction, transportation and warehousing, and the retail that fills corridors like Fordham Road and The Hub at 149th Street and Third Avenue. The Hunts Point Food Distribution Center, a 329-acre campus whose produce, meat, and fish markets supply a large share of the city's food, is the largest urban wholesale food hub in the country, and Montefiore Medical Center is among the borough's largest employers. Many of these businesses are small distributors, contractors, and practices operating as sole proprietors or partnerships, so the New York City Unincorporated Business Tax and job-level costing are live issues on the books. We keep them in the shape those city filings and that trade need.
Service 02
Forecasting and cash-flow management
Profit on paper and cash in the bank are not the same thing, and city rent and payroll make the swings sharper: a strong quarter that still cannot make payroll.
How we handle it
We build a rolling forecast tied to your drivers and a thirteen-week cash-flow model that shows where the bank balance is heading before it gets there. When a decision affects cash, a hire, a big order, a new lease, we show its effect on the runway before you commit.
Many owners do not know which products, jobs, or customers make money. Blended margins hide the losers, which the city's high cost base makes expensive.
How we handle it
We break the business down to unit economics: true cost by product, job, or customer, including the overhead and labor blended numbers bury. From there we model pricing changes and set the margin targets the business should be run to. In a high-rent, high-wage market, this is often the highest-return work we do.
Service 04
Fundraising and the New York City capital map
Raising money on the wrong terms, or with a model that does not hold up, is expensive for years. New York City has more capital than anywhere, and each source expects the numbers a particular way.
How we handle it
We build the model and materials and know the map: bank and SBA lending, city programs through NYC Small Business Services and the Economic Development Corporation, and the deepest venture, angel, and grant ecosystem in the country. We prepare what each expects and sit in the conversations.
Service 05
The Bronx and New York City resources for owners
The registrations and filings the Bronx owners ask about most are spread across city and county offices, each with its own rules.
Yes, in the CFO role. The numbers that run a contractor are backlog, gross margin per job, work in progress and over or under billings, and cash timing against progress payments and retainage. We build the job-level margin view and the cash forecast so you bid and staff off real numbers.
Do you work with medical and dental practices?
Yes, in the CFO role. The drivers are production per provider, the net collection rate against billed production, payer mix, and the economics of adding an operatory, a chair, or an associate. We model the expansion and the financing behind it.
Do you work with restaurants and cafes?
Yes, in the CFO role. Prime cost, food plus labor as a share of sales, is the number that decides a restaurant; we track it by location and period, model a new location or a menu change, and build the cash forecast around the slow season.
Do you work with e-commerce and retail businesses?
Yes, in the CFO role. The drivers are contribution margin after fees and shipping, customer acquisition cost against lifetime value, and inventory turns and the cash tied up in stock. We build the model that shows which channels and products actually fund the business.
Do you work with law firms and professional services?
Yes, in the CFO role. The drivers are realization and utilization, revenue per timekeeper, work in progress and collection speed, and the partner compensation math. We build the reporting a partner group depends on and the model behind a lateral hire or a new office.
Do you work with real estate investors and operators?
Yes, in the CFO role. The numbers are net operating income and cap rate per property, debt service coverage, and the cash and returns on an acquisition or a refinance. We build the model behind the deal and the reporting your lender and investors expect.
Do you work with businesses across all of the Bronx?
Yes, from The Hub and the Grand Concourse to Fordham Road, Hunts Point, and Co-op City, including the food distributors and the healthcare and construction businesses the borough is built on. The work is done remotely on QuickBooks Online or Xero, so the neighborhood does not change the service. What matters is that your books are kept to New York City's tax rules.
