Fractional CFO · Financing Advisory · Dade City, Florida

A former banker on your side of the table.

Small Business Auxilium gives growing companies the financial leadership of a CFO — without the full-time payroll line. We build your numbers, tell your story, and structure your financing the way lenders actually decide. Auxilium is Latin for help. That’s the whole business model.

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Step one

First, we let the light in.

Books reconciled, statements current, surprises gone.

Step two

Then we bring order.

A/P, A/R, payroll, controls — every account in its place.

Step three

Then we build your story.

Lender packages, forecasts, and numbers that get a yes.

Where we leave you

A business that runs in the light.

Clear books. Closed loans. A company ready for what’s next.

Book an intro call

16+ yrs

Inside community banking

$600M+

Assets overseen by our team

3 experts

CFO · CPA · Bookkeeping

What we do

Executive finance, end to end.

From clean books to closed loans to a company ready for sale — one team covers the full arc of your financial life. Based in Dade City and serving Tampa Bay, Pasco County, and St. Petersburg — and clients nationwide, remotely.

A bound lender package with DSCR 1.42x and Approved tags

Fractional CFO

Ongoing financial leadership on a monthly retainer: forecasting, cash flow management, KPI reporting, board and lender packages, and a seasoned voice in every major decision.

Business Loan Advisory

We package, position, and place your financing request the way banks want to see it — because we spent 16 years on the approving side. Lines of credit, term loans, SBA, construction, and refinancing.

Bookkeeping & Accounting

Accurate, current books — A/P, A/R, reconciliations, and monthly reporting — delivered in English and Spanish, so your financials are always bank-ready.

Project Engagements

Defined-scope work with a defined price: cash-to-accrual conversions, accounting system cleanups and migrations, internal controls, and audit readiness.

Exit & Sale Preparation

Owners 3–5 years from exit get a roadmap: quality financials, normalized earnings, documented processes, and the story buyers pay premiums for.

M&A Support

Buy-side and sell-side analysis, due-diligence preparation, quality-of-earnings support, and deal modeling — with your interests, not the deal’s, at the center.

Why us

We know what gets a yes, because we used to say it.

Most advisors have only ever sat on the borrower’s side of the desk. Our founder spent sixteen years as a community banker — originating loans, writing credit narratives, and sitting in the loan committees where deals live or die. That experience is built into everything we do: your financials are prepared for the scrutiny they’ll actually face, and your loan requests answer the underwriter’s questions before they’re asked.

“Purpose drives structure. Know why you need the money, how much, and how it comes back — and make the banker’s job easy. That’s the whole secret, and almost nobody walks in the door knowing it.”

— Matthew Coughlin, Founder

How we charge

Five ways to pay. Most of them only when you win.

Every structure has its own page — what it covers, how it works, and the fine print in plain English.

Monthly Retainer

Fixed / month

Ongoing CFO leadership and bookkeeping on one predictable fee.

See the tiers →

Project-Based

Fixed scope, fixed price

Cleanups, conversions, controls, audit prep — quoted in writing first.

How projects work →

Contingency

Tiered % at closing

Loan advisory paid only when your financing funds. No funding, no fee.

See the schedule →

Profit Share

% of net profit

Real estate projects we run end-to-end — paid only if the project profits.

How it works →

Equity

Ownership stake

Select long-term partnerships — full alignment with your outcome.

When it fits →

All five structures, in detail

Visit the Pricing page →

Why it’s built this way: a large share of our compensation is earned only when you win — the loan closes, the project profits, the company grows. You should never feel like you’re paying full price on a deal that isn’t working.

Featured engagement

Hotel refinancing, personal guarantees eliminated.

CFO-led refinancing advisory for the Cambria Orlando Universal Blvd: we structured and placed a non-recourse loan that released the principals’ personal guarantees and freed up cash flow to fund the next phase of growth.

“Matthew was integral to our success.”

— Shakeel Syed, CEO

Visit the property →

Non-recourse

Loan structure secured

PG released

Guarantees eliminated

Cash freed

For growth & operations

Hospitality

Orlando, Florida

Cambria Orlando Universal Blvd hotel exterior

Cambria Orlando Universal Blvd — interior

Cambria Orlando Universal Blvd — amenities

The team

Three specialists. One side of the table — yours.

Matthew Coughlin

Founder · Fractional CFO

Sixteen years in all areas of banking and corporate accounting — originating commercial loans and sitting in loan committee on the credit side, and leading accounting and operations teams as the bank’s Controller.

Read Matthew’s background →

Aaron Daniels, CPA (New York)

CPA (New York) · Senior Financial Executive

Two decades of senior financial leadership: Diocesan Controller overseeing $600 million across 74 parishes, schools, and ministries; CFO/Deputy Treasurer of New York’s third-largest municipal electric utility; M.S. in Forensic Accounting.

Read Aaron’s background →

Yuritza Pupo-Garcia

Bookkeeping · Business Administration

Over a decade of experience in bookkeeping, accounting support, A/P and A/R, bank reconciliations, financial reporting, and invoicing — bilingual in English and Spanish.

Read Yuritza’s background →

Free tools

Size your line of credit the way a banker would.

Before you ever call a bank, know your number — and the reason behind it. Our free calculator suite computes your cash conversion cycle, working-capital need, debt service coverage, loan payments, and breakeven, then exports a clean Excel package you can hand to your banker.

FREENO SIGNUPEXCEL EXPORT

Open the calculators →

Free self-assessment

How strong are your accounting & banking controls?

Rate your organization across eight domains — from bookkeeping to fraud exposure — and get a scored heatmap of where attention is warranted. Three tiers, from foundational to middle-market.

Take the assessment →

Client work

Companies we serve

Hospitality, home services, construction, pools & outdoor living — monthly-retainer fractional CFO work for operators across Florida.

See client engagements →

Start the conversation

Diagnose first. Scope second.

We don’t sell a package until we understand what you actually need. The first step is a no-cost intro call: tell us where the business is, where it’s going, and what’s in the way. If we can help, we’ll propose exactly how — with the scope and fee structure in writing. If we can’t, we’ll tell you that too, and point you toward someone who can.

Book an intro call

(813) 382-6625

Prefer email? mcoughlin@sbaauxilium.com