Financial planning & working-capital planning for small businesses
Sonic Gateway Business Finance
A planning practice in Seoul that turns small-business budgets and working capital into a clear, reviewable plan — built from your real cash position, not a template.
Who this is for
A checklist before you book a consultation
We work with owners who already have a running business and need a planning partner — not founders chasing a projection deck. Before you book, check the list below.
- You run a small business with real revenue, and your cash position moves week to week.
- Your budget and working capital live in spreadsheets that no one has reviewed this quarter.
- You can name a specific question — payroll cushion, stock purchase timing, a loan repayment — that needs a number behind it.
- You want a written plan you can hand to an accountant or a lender, not a slide deck.
What an engagement covers
Four working areas, one planning file
Each engagement is scoped to the question you bring. The four areas below are the working surface — you choose what we open, and the file closes when the question is answered.
- 01
Budget structure
Your budget rebuilt from real ledgers, with fixed and variable costs pulled apart and a twelve-month line you can refresh each month.
- 02
Working-capital cycle
Inventory days, receivable days, and payable days set against your actual terms — and a cash-conversion target worth holding.
- 03
Cash buffer & runway
A payroll cushion you can defend and a runway figure pegged to your real spending pace, so a thin month lands on the calendar early.
- 04
Decision support
A tight memo on the question that opened the engagement — a hire, a price move, a repayment — carrying the number and its trade-offs.
How an engagement runs
Five stops along a single rail
The rail is the same every time, so the step we are on is never a mystery — and the file shuts the moment your question carries a defensible answer.
Intake call
A brief, no-charge call to pin down the question, the books we need to see, and whether a planning engagement suits it at all.
Ledger review
We sit with your real books — bank, sales, cost lines — and mark the gaps before any planning work begins.
Draft plan
A first draft covering the budget shape, the working-capital cycle, and a cash buffer you can defend — every assumption left visible so you can push back.
Review session
We walk it through with you, fix the assumptions that miss, and settle on the figures you will run against in the weeks ahead.
Closed file
A final memo plus the working file, in a form your accountant or lender can pick up. The engagement stops here.
Start with a question
Bring one budgeting or working-capital question
The intake call is free and short. Tell us the specific question — a payroll cushion, a stock purchase, a loan repayment — and we will say whether a planning engagement fits.
