Stop growing revenueand losing profit. Fit Finance fixes it.
82% of business failures trace back to poor cash-flow management. Not low sales. Not bad products. Lack of financial visibility.
We give you that visibility in 30 days or less — from margin clarity to revenue forecasting for smarter budget allocation.
5 red-flag questions every founder should answer
in under 60 seconds.
If any of these gives you pause, it's not a small gap — it's the exact place profit is leaking out of your business right now.
Is your Contribution Margin above 40% — or is it silently drifting below the line that breaks your net profit?
Do you know your break-even ROAS per channel — or are you scaling ad spend and hoping the margin follows?
Which of your SKUs are quietly pulling everything down — like a Product B selling at 35% CM while the rest run at 65%?
Does the net profit on your P&L actually match the movement in your closing cash position each month?
As revenue grows, is OPEX shrinking as a % of revenue — or eating the leverage you just fought to create?
Three financial checkpoints thatactually run your business.
Not accounting jargon. The exact structure we use to turn a foggy P&L into decisions you can make on Monday morning.
P&L, every line as % of revenue
Total sales down to net profit, with a margin checkpoint at every layer — so you can compare month over month, quarter over quarter, and see where the money actually goes.
- Total Sales (Revenue)100%
- − Refunds & Disputes% of rev
- − COGS (product · shipping · 3PL)% of rev
- − Marketing (per channel)% of rev
- − Payment Processors% of rev
- = Contribution Margin% of rev
- − Platforms & Tools% of rev
- − Personnel & OPEX% of rev
- = Net Profit% of rev
Contribution Margin
The single number that decides whether you can scale ad spend, hire, or launch — the first real profitability line after direct costs.
- CM > 60%Strong — funds OPEX and net profit comfortably.
- CM 40–60%Manageable — protect OPEX carefully as you scale.
- CM < 40%Investigate — direct costs need work before scaling.
Set your target: desired net profit % + total OPEX % = minimum CM you need to hit.
P&L ↔ Cashflow reconciliation
A monthly check that the profit your P&L reports is actually reflected in your closing cash position — including payout balances still sitting in Stripe, PayPal and Shopify.
If the numbers don't match, the gap tells you exactly where to look — settlement timing, inventory paid ahead, or prepaid expenses.
How an international fashion brand on Shopifygrew Contribution Margin by 15% in 90 days.
A high-design clothing brand selling across Europe, the United States and worldwide. From the outside everything looked healthy — sales, ROAS, new launches. Behind the scenes, they had no idea where the profit was actually going.
The situation before
They already had an accounting firm. The problem wasn't compliance — it was visibility.
- P&L showed only net Shopify payouts — refunds, chargebacks and payment fees were invisible.
- COGS booked as one monthly lump sum to the fulfillment center — no breakdown of product, shipping, handling.
- Marketing bundled with general operating expenses → Contribution Margin impossible to calculate.
- Recurring cash-flow squeezes and bank account freezes.
What we did in 3 months
- Step 1
Full cost & pricing audit
We mapped every SKU's true landed cost. Identified products selling at 80–90% cost rates — silently destroying margin at scale — and repriced or removed them.
- Step 2
Multi-currency banking & payments
Restructured the payment infrastructure for international eCommerce. Cut payment processing and currency conversion costs by approximately 30%.
- Step 3
Fulfillment renegotiation
Benchmarked their 3PL against industry standards and renegotiated handling from $3.50 to $1.00 per item — a single line item that lifted Contribution Margin ~15%.
- Step 4
Refund policy redesign
Reworked the refund flow to favor store credit and gift cards where viable. Reduced refund losses and the warehousing costs tied to returns.
- Step 5
Forecasting & target framework
Set forecast goals and target percentages across every cost centre. Future decisions — pricing, launches, suppliers — now evaluated against real benchmarks.
The result, in 90 days
"More clarity and a good feeling about the future. Actually knowing where we are losing profit."
The diagnostic that changed the pricing conversation
Before the audit, "the brand is profitable" was one number. After — a Contribution Margin per product view exposed exactly which SKUs were funding growth and which were quietly bleeding it.
| Product | Revenue | Direct costs | CM | CM % |
|---|---|---|---|---|
| Product A | €10,000 | €3,500 | €6,500 | 65% |
| Product B | €6,000 | €3,900 | €2,100 | 35% |
| Product C | €8,500 | €2,800 | €5,700 | 67% |
The insight: Product B was silently pulling the blended margin below target. The fix wasn't "sell more" — it was reprice, renegotiate the supplier, or retire the SKU. Applied across the catalogue, this alone lifted blended CM by +8 points.
This is for you if.
You run a DTC or eCommerce brand
Shopify, WooCommerce or similar. Selling physical products direct to consumers — domestically or internationally.
You're past $20k/month in revenue
You have real volume, but the financial picture is fuzzy. Growth is making the blind spots bigger, not smaller.
You're tired of guessing
You want to know — per SKU, per channel, per cost centre — exactly where margin is being made and lost.
What you walk away with.
A 30-minute diagnostic call plus a custom assessment delivered to you in writing. Yours to keep, whether or not we ever work together.
P&L diagnosis
A full read-through of your real Profit & Loss — restructured properly. The numbers your current setup is hiding.
Margin map per SKU
Which products are quietly destroying margin, and which deserve more ad spend. With actual data, not guesses.
Cash-flow forecast
A 90-day projection so you stop being surprised by frozen accounts, supplier crunches, and slow months.
3 quick-win recommendations
The highest-leverage moves you can make this quarter — the same kind that delivered +15% margin in our case study.
The monthly close checklistwe run on your numbers.
Nine checkpoints. Every month. So you always know if you're winning — before the quarter closes and it's too late to fix.
- Check 01CM % is at or above monthly target
- Check 02Refund rate stable or improving vs last month
- Check 03Marketing cost % has not exceeded planned budget
- Check 04COGS % is in line with prior months
- Check 05All payout balances recorded across gateways
- Check 06Closing cash reconciles with P&L net profit
- Check 07OPEX % has not increased unexplained
- Check 08Net profit is on track vs quarterly target
- Check 09YoY comparison shows stable or improving margin
How it works.
Apply in 60 seconds
Fill the short form below. We'll review fit within 24 hours.
30-minute diagnostic call
We dig into your current setup — Shopify data, P&L, cost structure, biggest pain.
Custom assessment delivered
Within a week you get the written assessment: margin map, cash-flow forecast, quick wins.
Questions you might have.
Claim your freeFinancial Assessment.
Tell us a little about your brand. If it's a fit, we'll reach out within 24 hours to schedule your diagnostic call.
Apply for the assessment and receive the full framework instantly — the same P&L structure, margin targets, and reconciliation checklist we use with our brands.