TFG will do your accounting better and cheaper

Experience has shown that small to mid-sized businesses suffer from inconsistent accounting.  As the company grows their needs expand and yet they continue to utilize the same limited skills in accounting.  Too small for a qualified CFO they hire relatives or referrals, they suffer turnover, and take time away from what the owner should be doing.  Penalties are paid, tax documents are improperly filed, bank statements are not reconciled, and worst of all the owner is not receiving timely, accurate and usable managerial information from their accounting.

TFG will do an assessment of your current strengths and weakness and put together a plan to address your needs.  In times of turnover it may mean the complete outsourcing of your Quick Books accounting or it may mean supplementing existing personnel so that they can work effectively.  The implementation of the customized plan will make you more profitable, reduce your stress and provide a framework for growth.

The TFG staff is qualified and consistent.  They provide a stability and level of expertise to your company.  Give us a call and see how.  303 338 9300

Get Financial Control of your Company with TFG Out-Sourced Accounting

Do you get what you need from your accounting?

Do you have turnover and retention issues in accounting forcing you to constantly retrain?

Does your bookkeeper also have clerical duties and regular interruptions?

Did you know that a leading cause of business failure is a result of lack of financial control?

Are you paying over $2,000 per month for bad information?

What if we told you that there is a better way?  Pricing from $500-$2500 per month!!!!!!

The Fremont Group, a non-profit small business management firm provides their clients with their required bookkeeping for less than the cost of an employee and coordinates the reporting with the needs of the owner.

Do you know how much you will have in the bank on Friday—next Friday—for the next six Fridays?  If not, you don’t have financial control of your company–You could and you should—Are you happy taking that risk?

Do you have AR and AP reports weekly and P&L and Balance Sheets provided monthly? 

Do you know what bills you can pay now and what you should put off so you can make promises that you can keep?

Here is what we do:  Your Accounting Specialist assess your needs and the current state of your accounting.  With you we develop your accounting program.  Each day you scan and email your bills, payments and financial transaction to us daily.  We make the daily entries in you QuickBooks, provide you with a six-week proprietary cash flow forecast, reconcile your bank and credit card statements, and continuously up-date your AR and AP reports.  We also customize other reporting so you are actually in financial control of your company.  We coordinate our work with your payroll company or provide our own so that your payroll checks are ready each payday.

Minding My Own Business Workshop now available on video!

The Minding My Own Business Workshop attended by hundreds is now available to small to mid-sized business owners in a Power Point presentation!  Based upon the book, Minding My Own Business by the TFG Executive Director, Dirk Dieters, the narrated presentation lasts approximately one hour and allows you to learn and compare your business to the six responsibilities of the small business owner!

It is available FREE for the remainder of 2018!  Call the office 303 338 9300 or email your request to!

Are you looking for small business financing?

So are many other of our small business owners so we did some research–a lot of research. What we found is that there are a lot of bad people out there in this market. People ready to take advantage of small business owners. So as we looked into it we identified over 30 sources of funding that covered the spectrum of need. Some are for the poor credit, lots of problems people and some are for those who have good credit and few problems. Their terms range from very high interest with daily drafts from your bank account and personal guarantees to competitive rate lines of credit. Contact us and we will gather information and submit it to the appropriate array of lenders and very quickly identify what can and cannot be done for you. Generally this is done without initial credit checks that “ding” your credit. In some instances you will need to present your story in its’ best light–prepare a package for presentation–in which case we can help and in other cases an applicant is strong enough not to need this work. Regardless, if you are looking for loans in the $25,000-$250,000 range you should give us a call to assist.

303 338 9300

How to raise money

Most business owners understand their product but lack expertise in raising money through debt or equity. Obtaining proper capitalization is critical to growth and the long-term success of your company.
There are basically two ways of increasing your availability to funds—equity and debt. The advantage of raising money through equity is that you don’t have to pay it back. It is infusion of funds—most likely large amounts of funds—that immediately provides cash for your use. The obvious downside is that you give up some portion of your ownership. The first place to look for quick equity is to friends, family (and fools). The owner is the best salesman and representative of the company and they often develop a “deck” to assist them in this venture. A deck is merely a power point slide show that the owner can use in presentations that they are making. For this purpose they are often very good but don’t be fooled—these “investors” are not buying into your company because of your dog and pony show—they are actually “buying” you. They know you, they believe that you can be successful and are willing to invest because of that belief. It certainly helps if you can have other collateral materials to support your cause but chances are you are the reason for their investment. To move to capital markets to raise real money you need the use of a professional investment banking firm that can take your compelling story to another level and attract professional investment rather than emotional investment.
Debt is the second way to raise cash. There is good debt and there is bad debt. Good debt is matching long term needs with long term payments and vice versa. Good debt is a mortgage on your house—bad debt is mortgaging your house to pay off your credit cards. Debt can be raised from either commercial banks or a secondary market. If possible banks are by far the best option. Banks have the best interest rates and create advantageous long term relationships. Unfortunately banks are regulated by the federal reserve and if you do not meet their required ratios or are in an undesireable industry you simply will not be their customer. They may never say no. Instead they may just constantly ask for more information until you give up. Regardless, you are not going to get your money. Secondary markets are in many ways the wild, wild west. Many brokers lack the expertise to get your deal done. The litmus test should be in the information that they require and in how they use those materials in compiling the package that they use to present your compelling story to market. Lacking a professional package you will not receive serious consideration from credible lenders. As a minimum the package needs to include significant financial information; third-party validation of the business plan; market and competitor analysis; demonstrable evidence of management team and operational competency; financial projections; corporate regulatory compliance; and analysis of off-balance sheet assets. Thien this must be packaged in a professional format acceptable to the professional readers. Often times good deals are not financed simply because they didn’t make the investment do the work that is needed to properly present them to market so be wary of brokers who do not speak this language.

Cash, Debt and Equity

Proper capitalization is critical to a business’ success. Most small businesses were started with an idea, a commitment and a credit card. If they survived and prospered they created profit and cash flow but often lacked a capitalization strategy.
Capitalization is the combination of both equity and debt. Equity is acquired through either external or internal investment. Does your company have a strategy for the accumulation of equity? Probably not. The most obvious method of increasing equity is through cash retention. Some percentage of all cash intake needs to be retained—this is the purchase of an asset—the purchase of cash. Cash is just like any other asset—you have to buy it—and it is one of your most valuable assets. Despite its’ value many business owners fail to purchase (retain) cash. It won’t happen by itself. You need a strategy for cash retention if you expect to build a strong, secure business.
Credit is also an important component of capitalization. Banks will not lend you money when you need it—they lend you money when you don’t—therefore you need to actively seek credit when you don’t need it. You should also diversify your credit. Utilize multiple lenders. In today’s environment with institutions combine and your “personal relationship” with your banker is a thing of the past. Just like over-reliance upon a single customer or vendor is a red flag so is your over-reliance upon a lender. Don’t be held hostage.
How much and what combination of debt, cash and other assets should you have? Make this a topic of your on-going planning.

Managing Working Capital

The Fremont Group would like to share a NYT article about non-bank sources of working capital – the cash needed to run your business while wating for invoices to be paid. New online lenders are proliferating, often extending credit based on invoiced revenue. One online lender we support is The Finance Store. Bank loans cause you to lose time and waste effort filling out miles of paperwork and then they leave you hanging on for a decision. Online lenders are much more flexible, leaving you to use your time most effectively – running your business.

What you want, what you need and what you can afford

There is a Starbucks in your neighborhood—I know that because there’s a Starbucks everywhere.  Walking by that Starbucks are two people.  The first is a homeless person.  He has 5 one-dollar bills, 3 quarters and a dime in his pocket.  He looks into the Starbucks, sees the $4 cup of coffee and says to himself, “I really want that $4 cup of coffee but I don’t need it” so he walks on.  The second person is a suburban house wife.  She has lots of cash in per purse lots of money in her checking account.  She looks into Starbucks and sees the same $4 cup of coffee and says to herself, “I need that $4 cup of coffee.”  She goes in and buys it.  Your business might be doing over one-million dollars a year in revenue.  Unless you are a drug dealer you cannot imagine what that $1,000,000 would look like piled up on your desk.  All you know is that you have a lot of money but you are frugal and only buy what you need.  The problem is this: The difference between a want and a need is the balance of your checkbook and you can’t even really imagine how much money that you have!  We all know people who as their income increases their expenses go up even faster.  The cell phones, video games, big screen tvs—all those things that they only want they now think that they need and only because they have more income.  You cannot run your business based upon what you want or need you must run your business based upon what you can afford!

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Consultants—Your Client can Finance your consulting project


The Fremont Group can now refer to you a financing program that will allow your client to finance your consulting project and their other needs.  48 hour response and 80% approval!  Whether its working capital, unsecured finance, term loans, revenue loans, equipment finance, SBA, retirement funding or custom funding packages, your clients will receive fast approval and rapid funding. Many of your clients will qualify for multiple funding opportunities giving your clients their choice of options. We recognize the need for you, the advisor, to help guide your client/borrower in their selection of the type of financing best suited to the clients’ situation. Your clients depend on you for advice, strategy, compliance and planning and you may very likely be responsible for helping to pick one of the several options that will be offered. Their dedicated staff will assist you and your client in choosing the best funding or financing option.

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Fremont identifies source for Small Business Financing




In today’s banking environment, a significant percentage of potential borrowers are turned away by their banks at a time when either opportunity presents itself requiring capital investment, or available cash resources are insufficient. In either case, the potential borrower is left to fend for themselves.  We endorse and will refer you to Cascade Pacific Capital, LLC.  Whether its working capital, unsecured finance, term loans, revenue loans, equipment finance, SBA, retirement funding or custom funding packages, you will receive fast approval and rapid funding. Many of your clients will qualify for multiple funding opportunities giving your clients their choice of options.  The Fremont Group will work with you through this process.

You will receive “real time” status of your progress including approval amounts and requirements to keep things on track. The system also provides real-time visibility of all important correspondences and communications throughout the process including calls, voice mails, faxes, messages. A Senior Funding Specialist will be assigned to you and  to assist and educate you through the process.

Within 48 hours of submitting the completed application and documents, you will issue a prequalifying approval. Final approval is normally made inside 5 business days although certain loans like SBA loans can take substantially longer.

Contact The Fremont Group at 303 338 9300 to discuss your financing needs.