Small business owners do not have a money problem; they have a clarity problem. Money comes in, money goes out, and at the end of the month it is genuinely hard to say whether the business is on track, what it can afford next, and how much the owner can responsibly take home. The Balancrix business service brings the same calm process we use for households to the businesses that employ their owners.

Who this is for

Our business clients are small companies, usually between one and thirty people: local shops and services, restaurants and food carts, trades and contractors, studios and agencies, and early-stage startups that have revenue but not yet a finance function. What they share is that the owner is also the budget — and the budget is also the owner's personal money. We are especially useful at three moments: starting up, when nobody has ever written the numbers down; growing, when hiring and inventory decisions start to outrun intuition; and smoothing, when seasonal swings make some months painful even though the year is fine.

What we build with you

An engagement usually begins with two sessions. In the first session we talk with the owner about how the business actually works: where revenue comes from, what the big regular costs are, which months are strong and which are thin, and what the owner needs the business to pay them. In the second session we sit with the team — or with the owner alone, if it is a one-person business — and turn that into an operating budget: a written plan of expected income and planned spending by category for the coming year.

The plan you receive is deliberately simple. It shows your expected revenue by month, your planned costs by category, a line for owner pay decided on purpose instead of by whatever is left over, a reserve target for slow months and unexpected costs, and a one-page summary you can review in five minutes. We also include simple worksheets so the plan can be updated as the year moves.

Planning for seasons and surprises

Most small businesses are more seasonal than they feel. A landscaping company is not the same business in January as in July; a retail shop lives or dies by the last quarter. Our plans build seasonality in from the start — expected income and costs by month rather than as a yearly average — so the plan shows the tight months honestly and sets aside surplus in the good months. The reserve line turns "we had a bad month" from an emergency into a planned event.

The quarterly review

A plan made once a year is a museum piece by summer. The quarterly business review is a scheduled session every three months to compare the plan with what actually happened, update the months ahead, and decide together whether anything needs to change — a new hire, a price change, a cost that crept up. Owners tell us the review is where the service pays for itself, because small problems are easy to fix in a quarterly conversation and expensive to discover at tax time.

Owner pay and the line between business and personal

The most common gap we find in small business planning is the missing owner-pay line. Owners often pay themselves whatever is left, which means their personal budget is unpredictable and their business numbers never quite make sense. In every business plan we help you set owner pay as a planned line — an amount the business can sustain across the year — and we can work with the same household service to connect that line to a personal plan. We are planners, not tax advisers, and we will always remind you to confirm the right structure for your situation with your accountant.

Boundaries, stated plainly

Balancrix provides budget planning for businesses. We do not provide bookkeeping, accounting, payroll, tax preparation, tax advice, legal services, audit services, or investment advice, and we are not a lender or a broker. We do not take custody of business funds or connect to business bank accounts. Our work stops at the plan: what the business expects to receive and what it plans to spend. When your business needs a licensed professional — and every business eventually does — we will say so and help you think about what to ask them.

Formats and scheduling

Business sessions are available by secure video call anywhere in the United States and in person in Portland, Oregon. Team workshops can be arranged for groups. Most engagements can be scheduled within two weeks, and the written plan is delivered within five business days of the final session. If you need a plan faster for a bank conversation or an owner decision, tell us when you book and we will do our best to fit your calendar.

Pricing

The business service is priced as a plan on the pricing page: a setup engagement followed by quarterly reviews, with a monthly option for owners who want the same rhythm as our personal membership. Every business service is covered by the 14-day guarantee described in the refund policy.

Start with a conversation about your business

The first step is a no-obligation intro session about your business — how it earns, what it spends, and where the plan would help most. Book it on the contact page, call +1 (503) 555-0174, or write to [email protected].