TK INSPIRATIONSDISCOVERING PROSPERITY THROUGH PURPOSE Book a free Real TalkBook a call

For small and growing businesses. Fortune 500 CFO experience, built for business owners like you.

Know your numbers, know your business.

Whether you’re just starting out, growing, or applying for funding, I’ll help you understand your numbers, see where your business stands, and know what to do next.

The Money Clock: cash flow is the second hand, the P&L is the minute hand, and the balance sheet is the hour hand. Balance sheet P&L Cash flow
  • Hour hand: Balance sheet. A snapshot of your strength, right now.
  • Minute hand: P&L. Are you profitable, and is it holding?
  • Second hand: Cash flow. Money in, money out, every single day.

Most owners only watch the second hand: what’s in the bank today. A CFO reads all three hands together, so you always know what time it really is in your business.

Does this sound like you?

  • You’re making sales, but you’re not sure you’re actually profitable.
  • A lender or grant asked for projections, and you don’t know where to start.
  • You don’t know how much you can afford to pay yourself.
  • Tax time always brings a surprise.
  • Your “books” are a bank app, a spreadsheet, or a shoebox you avoid.
  • You want to grow, but you’re not sure what the numbers say you can afford.

You’re not behind. You just need someone to translate your numbers into decisions. That’s what I do.

Three ways to work together

Start where your business is today, whether that’s a new idea or years in. Most owners begin with the Strategic Financial Roadmap.

Just starting out

Money Check-Up

$500one-time

“Can this make money?”

  • Starter Model: a 12-month P&L for one product or service, with assumptions you can change
  • Readiness Scorecard for your books, cash, and funding readiness
  • 60-minute walkthrough and your top three next steps

Upgrade to the Roadmap within 30 days and your $500 counts toward it.

Start here Ready to grow or get funded

Strategic Financial Roadmap

$1,500one-time

“Show me where my business really stands, and where it can go.”

For founders preparing for a loan, grant, or investor, or ready to plan their next year with real numbers.

  • Funding-ready projections: 12 months by month, plus a 3-year view
  • Financial health assessment
  • Cash flow, breakeven, and pricing check
  • Review of your financial records: your books, or your bank and credit card statements
  • A written CFO Report and a 60-minute Roadmap Session
  • Check-in calls at 30 and 60 days

For one business with up to three revenue lines.

Want ongoing support

Neighborhood CFO

$500per month

“Keep me on track.”

  • Monthly CFO review with a one-page snapshot
  • Quarterly projection refresh
  • Lender and grant report review before you submit
  • Email and text questions answered within two business days
  • A credentialed CFO on your team: list me on your org chart and applications to show funders you have financial leadership in place

Begins after the Roadmap. Six-month minimum.

Bookkeeping not set up yet? No problem. I can work from your bank and credit card statements to get you started.

Established or mid-size business?

You don’t need a starter package. You need experienced financial leadership. With 26 years of Fortune 500 finance experience, I step in as your fractional CFO when you need senior-level thinking without a full-time hire.

Custom CFO Consulting, quoted from $250 an hour.

Book a free Real Talk

Where I can help

  • Forecasting and budgeting
  • Cash flow and margin strategy
  • Growth and funding plans
  • Leadership-level financial reporting
  • Financial operations and compliance processes

How it works

  1. Book a Real Talk

    A free 20-minute Zoom conversation. No judgment, no jargon. Tell me where your business is and what you want to know.

  2. Get a clear proposal

    I recommend the package that fits and send a short scope. Work starts once it’s paid.

  3. Walk away with a plan

    You get numbers you understand, a roadmap you can follow, and a report you can share with funders.

Tonya “TK” Kinlow, CMA, smiling, in a white blouse

Your Neighborhood CFO

I’m Tonya “TK” Kinlow. I spent 26 years as a Fortune 500 finance executive, including CFO roles at GE and executive-level Finance Director at Yum Brands, managing billion-dollar budgets and advising senior leaders on financial strategy. I hold an MBA from Florida A&M University and I’m a Certified Management Accountant (CMA).

I’ve also spent ten years as an entrepreneur, so I know what it’s like to build something from scratch. Now, through TK Inspirations LLC, I serve as a fractional CFO for small-business owners and new founders who need a CFO’s thinking but not a full-time CFO’s salary.

My approach is practical and conversational. We use your real numbers, not generic templates, so you leave knowing what your financial statements are telling you and what to do next.

Based in Northeast Ohio. Meetings are on Zoom, so I work with owners in Cleveland and anywhere else.

Questions owners ask

My bookkeeping isn’t set up yet. Can you still help?

Yes. Many clients start before they have an accounting system in place. I can build your numbers from bank and credit card statements, and help you plan the right setup as you grow.

What happens on a Real Talk?

It’s a free 20-minute Zoom conversation. You tell me where your business is and what you want to know. I’ll recommend the package that fits, or tell you honestly if you need something else first. No pressure.

Do we meet in person or online?

Meetings are on Zoom, so you can work with me from anywhere. I’m based in Northeast Ohio.

How long does each package take?

The Money Check-Up is delivered within two weeks of receiving your documents. The Strategic Financial Roadmap takes three to four weeks after you send your information, followed by check-ins at 30 and 60 days.

How does payment work?

The Money Check-Up and the Strategic Financial Roadmap are paid upfront. Neighborhood CFO is billed monthly in advance, with a six-month minimum.

Is my financial information kept confidential?

Yes. Your information is used only for your engagement and is never sold or shared.

Do you do taxes or bookkeeping?

No. I focus on financial strategy, projections, and planning. If you need a tax preparer or bookkeeper, I’m happy to point you in the right direction.

Let’s find your starting point

Book a free 20-minute Real Talk with TK. You’ll leave knowing which package fits, or whether you need something else first.

Book a free 20-minute Real Talk with TK

tk@tkinspirations.com  |  (502) 544-2101