A plan for where your money is going — and where it’s headed.

Most small businesses don’t fail because the work isn’t there. They fail because no one can see six months ahead. Loftis Consulting builds budgets and forecasts that give you a clear, honest picture of your cash position today and where it’s trending — so decisions about hiring, spending, and growth are made on facts, not guesswork.

What We Do

Operating Budgets
We build a realistic, line-item budget based on your actual revenue and expense history — not a generic template. You’ll know exactly what you can spend, where, and when.

Cash Flow Forecasting
Know what’s coming in and going out weeks and months before it happens. We help you spot cash shortfalls early enough to actually do something about them.

Scenario Planning
What happens if revenue drops 15%? What if you add two employees? We model the scenarios that matter to your business so you’re not caught off guard by any of them.

Variance Reporting
Budgets only work if someone’s checking them against reality. We track actual performance against your budget on a regular cadence and flag what’s off before it becomes a problem.

Financing & Investor-Ready Projections
If you’re applying for a loan or raising capital, we build the forward-looking projections lenders and investors expect to see — grounded in real numbers, not wishful thinking.

Who This Is For

Small and mid-sized businesses and nonprofits who need forward visibility but don’t have a full-time finance team to build it. Whether you’re trying to get a handle on cash flow for the first time, preparing for a loan application, or need ongoing budget-to-actual tracking, we scale the engagement to what you actually need.

How It Works

1. Discovery call. We learn your business, your current financial picture, and what decisions you’re trying to make with better visibility.
2. Build. We construct your budget and/or forecast model using your historical data and your goals for the year ahead.
3. Review. We walk through the numbers with you in plain language — no jargon, no assumptions you don’t understand.
4. Ongoing support. For clients who want it, we track actuals against the plan on a monthly or quarterly basis and flag what’s changed.

Why Loftis Consulting

Kimberly Loftis has over 20 years of experience in finance, accounting, and strategy — including as Vice President of Corporate Development at HSBC and CFO/COO of Blue Marble Payroll through a successful acquisition. That’s the same level of financial rigor now available to Chicago small businesses and nonprofits, without the cost of a full-time hire.

Ready to see your business six months out instead of six days out?
Free Consultation — (312) 772-6105