Finance & P&LFinance reports and the P&L, from settled cash.
Patricia reads Stripe, PayPal and the bank export, posts the weekly revenue digest every Monday and the monthly report on the 1st, and builds a P&L per client or per business unit. She says what the model gets wrong.
- Settled cash, basis stated on every report
- Monday digest, monthly report on the 1st
- Deck or Slides copy on request
A P&L that argues with the model.
Thibaut asked for one thing on 1 September. This is what came back eleven minutes later.
BetterPic alone, on settled bank cash.
| USD | Jun '26 | Jul '26 | Aug '26 |
|---|---|---|---|
| Revenue | 37,308 | 40,199 | 38,834 |
| Stripe, net of fees | 36,131 | 40,096 | 38,147 |
| PayPal affiliate | 1,177 | 104 | 687 |
| COGS (GPU) | 0 | 4,585 | 4,000 |
| Gross margin | 100.0% | 88.6% | 89.7% |
| SG&A | 15,672 | 15,335 | 19,300 |
| Marketing | 8,621 | 7,788 | 8,403 |
| Founder time (50%) | 3,833 | 3,833 | 3,833 |
| EBITDA | 21,637 | 20,279 | 15,534 |
| margin | 58.0% | 50.4% | 40.0% |
BetterPic makes money: roughly $15k to $22k of real cash profit every month. The margin fell 18 points in two months, three causes: compute moved supplier in July, a one-off developer payment of $3,060, and settled revenue $1,365 below July.
Where the model disagrees: it says August EBITDA is $27,444, on a revenue line frozen at $45,876 since April. Real net revenue was $41,109. I am adding this view to the monthly report so it updates itself from now on.
Google Slides copy
What she did, and why it matters.
- Pulled the real money. Stripe net of fees, PayPal payouts and the GPU invoices, on settled bank cash, not forecasts.
- Separated one business from the group. BetterPic alone, with the group payroll that only passed through its account left out.
- Explained the drop. The margin fell 18 points; she named the three causes and sized the one-off.
- Caught the model. The finance model showed $27,444 of EBITDA on a revenue line frozen since April. Settled cash said $15,534.
- Made it a deck. Six branded slides and a Google Slides copy, from the same thread.
For a client, the same job gives you a P&L per account: retainer revenue against media spend and hours, every month on the 1st.
What she doesOur own P&L, posted by Patricia on 1 September 2026. Group lines removed for length.
Digest, report, P&L, chase.
Cash-basis reporting for decisions. Your accountant keeps the books; Patricia states the basis on every report.
Weekly revenue digest, every Monday
Latest week against the previous one: gross, net, refunds, fees, one takeaway line. If the week is healthy, the takeaway is the whole finance check.
scheduled every Monday 07:00Monthly report on the 1st
Revenue, refund rate, paying customers, average spend, channels from GA4, and the operational metrics you connect. One root cause named for the month, and a reconciliation flag on the finance model.
P&L on settled cash
Revenue by source, COGS, gross margin, the SG&A lines you define, EBITDA and margin. Scenarios spelled out: what happens if the unit carries the shared stack, what was routed through the account but is not a cost. Per client or per unit.
xlsx-tools pdf-report pptx-toolsInvoice chasing, budget vs actuals
Overdue client invoices chased from your address after you approve the message. Client budgets watched against real spend and flagged before they slip, next on the roadmap.
The monthly report that caught delivery time doubling.
BetterPic, August 2026, posted on the 1st.
Revenue grew for the first time in five months. Every satisfaction metric fell with it. One root cause explains most of the month.
| Stripe + PayPal | Jun | Jul | Aug | Trend |
|---|---|---|---|---|
| Gross revenue | $40.1k | $40.8k | $42.8k | +4.8% |
| Refund rate | 3.44% | 4.88% | 3.96% | better |
| Paying customers | 785 | 893 | 901 | +0.9% |
| Avg spend / customer | $49.57 | $45.59 | $46.71 | +2.5% |
Look at this first: the delivery regression that started on 13 July never recovered. One order in six now takes over two hours, against one in twenty-five before. About 500 paying customers never downloaded their photos.
Ten minutes, one question, one fix.
The report caught the problem. Thibaut asked one question. The CTO had the cause and the proposal. The monthly report replaced the sheet Thibaut opened every day for two years.
- Sources named on every table, "to check" tags on unverified figures
- Model line kept separate from settled cash, on purpose
- The same post becomes a six-slide deck or a Google Slides copy on request
Six slides, in the client's brand.
Asked for in the same thread: "turn this into a deck and brand it." Bricolage Grotesque titles, Onest body, the client's logo and palette. Then a Google Slides copy in their Drive.
6 · ScenariosFull-stack case, model vs cash, routingThe finance routine on a calendar.
Latest week vs previous, one takeaway line.07:00 · posted
Invoices over 14 days overdue, drafts from your address.09:00 · approvalDeck or Slides copy · on requestWhat finance people ask first.
Which sources can she read? +
Stripe and PayPal directly, QuickBooks, Xero and Google Sheets through the integrations, and the bank export you share in the channel. 1,000+ tools in total.
Is this accounting? +
No. It is cash-basis reporting for decisions. Your accountant keeps the books. Every report states its basis, and the finance model line stays separate from settled cash on purpose.
Can she build it per client? +
Yes. A P&L per client or per business unit, with the revenue and cost lines you define. The BetterPic one separates a unit from a group; a client one separates retainer revenue from media spend and hours.
Can it go to a deck? +
Yes. PDF, PowerPoint or a Google Slides copy in your Drive, in the client's brand. The thread above became a six-slide deck on request.
The other service lines.
Sell the finance report. Patricia builds it.
Bring one client's Stripe or bank export to the call. You leave with the Monday digest scheduled.
No credit card.