Budget planning, financial controlling and working capital management, with hands-on training so your team keeps the discipline after the engagement. Backed by Mentor IA, our cash-flow application, now in beta.
Receipts are concentrated in the last week of the month. Consider moving supplier payments after collections.
Mockup for illustration. Not real client data.
A&A Financial Consulting is a financial consulting firm that brings finance leadership to owner-run U.S. businesses. We help owners plan budgets, control costs, understand their margins and manage working capital, and we train their teams to keep those routines after the engagement.
The firm is led by Natalia Arantes, a CFO with more than 15 years in finance, and Lucas Rosa de Arantes, who leads sales and brings an IT, cloud and security background. Together they built Mentor IA, a cash-flow application that gives clients a live, explained picture of their cash, so consulting and technology work from the same numbers.
Help small businesses make financial decisions with the clarity of a company that has its own CFO.
Small employers carry the same cost pressure and cash-flow swings as larger firms, with far less finance support. We exist to close that gap.
From understanding cash to accessing credit and growing with confidence.
We map how money moves through the business and explain what drives it, so profit and cash stop being a mystery.
Budgets, rolling forecasts and scenarios show tight months before they arrive.
Regular plan-versus-actual reporting and Mentor IA give owners a current picture of cash.
Three goals guide every engagement and every product decision.
Bring the planning, control and analysis that larger companies take for granted within reach of owner-run businesses.
Train owners and teams to read their own numbers and run financial routines without depending on us.
Mentor IA gives every client a live, explained view of cash, so good financial management does not depend on a large budget.
Each service has its own section. Start with the one closest to the problem you have today.
Regular reporting that turns bookkeeping records into management information.
Learn moreA financial-management and cash-flow program for owners and their teams.
Learn moreOur cash-flow application with specialist-style analysis. In beta, with a U.S. launch in preparation.
See how it worksWhat owners can expect to gain from working with A&A. Outcomes depend on each business.
Know where money comes from and where it goes, in reports an owner can read.
See cash pressure coming, so you can act before it becomes a crisis.
Pricing, hiring and investment choices backed by margins and forecasts.
Monthly reviews and budgets your team can run, supported by follow-up.
Senior finance leadership without the cost of a full-time CFO.
Consulting, training and the Mentor IA application working from the same numbers.
Most small businesses do not fail for lack of sales. They run short of cash at the wrong moment.
Meet the foundersSource: Federal Reserve Banks, 2025 Report on Employer Firms (2024 Small Business Credit Survey). Cash buffer: median 27 days, 13 days in the bottom quartile (JPMorgan Chase Institute).