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The SaaS Finance Scorecards
SaaS Finance Scorecard
A self-scored SaaS finance diagnostic across legal, cap table, team, systems, treasury, accounting, finance, and investor readiness.
DIAGNOSTIC · SELF-SCORED
Eight categories. One score out of forty.
A directional read on the eight categories investors and lenders score when they evaluate your back office. Score yourself honestly. The number is useful. The gaps are more useful.
HOW TO USE THIS
Eight categories. Score each 1–5.
THE EIGHT CATEGORIES
Score each category 1–5.
Eight categories. Five points each. Forty points total. The number is not the point by itself. The pattern underneath the number is the point.
INTERPRETATION
How to Read Your Score
NEXT STEP
What to Do with the Result
Do not over-focus on the total score. Look for the weak category that could create the most immediate risk.
Score yourself first, then compare your read to how Centripetal would score the same finance stack.
Series A Diligence Readiness
Series A Diligence Readiness
A practical Series A diligence readiness guide for SaaS founders: the questions investors ask, documents they open, and gaps to fix before partner meetings.
GUIDE · INVESTOR-READY
What's actually in your data room — and what investors open first.
A field guide to the 14 questions and 24 documents Series A investors open in the first 72 hours. The list is the structure. What investors read into your answers is the substance.
HOW TO USE THIS
Two sections. Read them in order.
SECTION 1
The 14 Questions Investors Are Actually Trying to Answer
Investors don't read the deck to learn the business. They read it to confirm a thesis they're already forming. Diligence is where the thesis gets tested.
DEEP DIVE · QUESTION 10
Customer Concentration
SECTION 2
The 24 Documents Investors Will Open
Diligence is staged. Document tier matters because a Tier 1 problem stops the process; a Tier 3 problem doesn't.
If you are raising in the next 6–12 months, get a second set of operator eyes on the data room before investors do.
Venture Debt Readiness
Venture Debt Readiness
A venture debt readiness guide for SaaS founders considering a debt facility: lender questions, document requirements, concentration risk, and backstop signals.
GUIDE · VENTURE DEBT READINESS
What lenders want before they'll issue a term sheet.
A field guide to the 12 questions and 17 documents that decide whether debt is cheaper than equity — or just cheaper-looking. Built for SaaS founders considering a debt facility in 2026.
HOW TO USE THIS
Two sections. One decision.
SECTION 1
The Twelve Questions Lenders Are Trying to Answer
Lenders aren't reading your deck for the story. They're underwriting whether you can service the debt without breaching covenant for the next 36 months.
DEEP DIVE · QUESTION 10
Customer Concentration
SECTION 2
The Seventeen Documents Lenders Will Open
Debt diligence is more linear than equity diligence. A lender follows a sequence: financials first, contracts second, capital stack and governance third.
If you are considering a debt facility, compare your readiness to what lenders will underwrite before the term sheet conversation.
Treasury Hygiene in Under an Hour
Treasury Hygiene in Under an Hour
Five practical treasury hygiene actions for SaaS founders: yield on idle cash, 2FA, dual wire approval, ACH controls, and corporate card setup.
FIELD GUIDE · TREASURY HYGIENE
Five actions. Sixty minutes. Real money on the table.
A field guide for SaaS founders with $1M+ in the bank who haven't thought about treasury since they opened the account. Five hygiene actions worth six figures of yield, real fraud protection, and a treasury setup that won't embarrass you in diligence.
WHY THIS MATTERS
Three numbers that should change how you think about your bank account.
THE FIVE ACTIONS
Five hygiene actions. Independent. Stackable.
If you're doing them all in one sitting: yield first, then 2FA, then dual-approval, then ACH whitelist, then credit card program. Total: about an hour. Each action is independently valuable — stop after any one and you have a measurably better setup than this morning.
If your treasury setup has not been pressure-tested since account opening, start with these five controls and bring us in for the gaps.
Do I Need a Fractional CFO?
Fractional CFO Decision Guide
A decision framework for SaaS founders weighing fractional CFO support against hiring a VP Finance, upgrading a bookkeeper, or staying the course.
DECISION GUIDE · FINANCE LEADERSHIP
The question is not whether you need financial help. It is what kind.
Most founders know when finance feels like a bottleneck. Fewer know whether the fix is a better bookkeeper, a fractional CFO, or a full-time VP Finance. The answer depends on stage, complexity, and what decisions are actually being made without a senior financial voice in the room.
HOW TO USE THIS
Four signals. One decision.
THE FOUR SIGNALS
What determines the right kind of financial support
Your stage and capital raised set the floor. Your financial infrastructure determines whether the current setup can support the next 12 months of decisions. Your strategic needs — fundraising, board reporting, pricing, hiring — determine whether those decisions require senior judgment or better execution of existing processes.
DEEP DIVE
The Cost Comparison Most Founders Get Wrong
SECTION 2
The Four Outcomes
Each outcome is an honest assessment, not a sales pitch. Some companies genuinely do not need a fractional CFO.
The right financial support depends on your stage, complexity, and what decisions are being made without a senior financial voice. This guide helps you figure out which one.