Strategic Financial Leadership for Capital-Driven Businesses
We partner with founders, operators, and principals to build financial structures that command capital, expand EBITDA, and support scale, leverage, or exit — without full-time executive overhead
Former SBA Underwriter | Institutional-Grade Financial Stewardship
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STRATEGY
NETWORK
RESOURCES
SUCCESS
WHEN A CFO BECOMES NECESSARY
At a certain stage, growth creates complexity.
Revenue increases, decisions compound, and capital conversations require more than instincts or basic reporting. This is where a fractional CFO becomes essential — providing financial leadership, structure, and clarity without the overhead of a full-time executive.
When cash flow is strong, but clarity is missing. You generate revenue, yet lack precise visibility into margins, liquidity, and risk.
When decisions carry financial consequences. Hiring, expansion, debt, or capital raises require informed, CFO-level judgment.
When lenders and investors start asking harder questions
Clean financials, entity structure, and disciplined reporting are no longer optional.
When you need a financial partner — not just reports. Someone to interpret the numbers, pressure-test decisions, and guide execution.
This is where Silent Wealth steps in — serving as a fractional CFO partner to support disciplined growth, capital readiness, and long-term enterprise value.
Designed for established businesses seeking financial leadership without a full-time CFO
Strategic Financial Leadership for Capital-Driven Businesses
Founder • Fractional CFO • Capital & Structure Advisor
Hey, I'm Daniel, I bring institutional underwriting and operator-level financial leadership to growth-stage businesses. As a former loan officer at WWBIC, Wisconsin’s largest CDFI, I underwrote and structured over $1 million in SBA 7(a) and 504 loan approvals in less than six months, working directly with founders to translate operations into lender-ready financials. My work included SBA-compliant business plans, multi-year financial projections, cash flow and debt-service analysis, and capital structuring aligned with lender and investor risk criteria. I’ve evaluated businesses the same way banks, credit committees, and investors do — focusing on cash flow durability, margin quality, leverage, and execution risk. Today, I serve as a fractional CFO to operators who want disciplined financial oversight, capital readiness, and decisions backed by data, not assumptions.
Ongoing CFO Leadership
Hands-on financial leadership designed to improve cash flow visibility, forecasting accuracy, and executive decision-making — without the cost or rigidity of a full-time CFO.
We don’t deliver reports. We deliver control, discipline, and direction
Revenue & EBITDA Optimization
We identify where revenue fails to convert into cash and where margins are silently eroding valuation. Our work focuses on unit economics, operating leverage, and execution discipline — so growth increases enterprise value, not complexity.
Cash Flow Architecture & Liquidity Management
Revenue does not equal liquidity — and most businesses learn that too late.
We engineer cash flow systems that ensure obligations are met, reserves are maintained, and capital is deployable when opportunity appears. This creates operational resilience and negotiating power — with lenders, vendors, and investors alike.
Liquidity isn’t comfort.
It’s leverage.
Debt Strategy & Balance Sheet Optimization
Most businesses carry debt. Very few carry it intentionally.
We evaluate your existing obligations through a lender’s lens — maturity structure, covenants, serviceability, and leverage impact — and redesign the balance sheet to support growth, flexibility, and future capital access.
The goal isn’t less debt.
The goal is strategic debt that strengthens your position instead of limiting it.
Capital & Exit Readiness
We prepare businesses to be evaluated, funded, or acquired with confidence. From lender-ready financials to investor-grade reporting discipline, we ensure you never approach capital or exit negotiations from a position of weakness.