Build & Grow, for business owners

You Know the Revenue. Do You Know What You Can Pay Yourself?

Build & Grow is a 12-month growth advisory program for owners. In the first 90 days we diagnose the business and build the systems behind your financials, offer, sales and onboarding. Then we stay on as advisors, paid mainly through a Performance Fee on the revenue you collect, at a rate that falls as you grow.

  • No Revenue, No Fee

    The Performance Fee applies only to money you actually collect.

  • $150 a Month

    For year one, plus a Performance Fee: 30% of Net Revenue at the start, falling to 15%.

  • 12-Month Agreement

    Every term in writing before you sign.

  • Online, by Appointment

    Sessions by video, scheduled with you.

The Business and the Household Share One Cash Flow

Most owners don’t have a business problem and a separate personal problem. They have one cash flow that crosses back and forth between the two, and a decision in one place quietly lands in the other.

So we look at both sides. We start with your current books: cash, receivables, payables, margin and owner draw. Then we set an owner’s pay the business can sustain, a cash floor it won’t go below, and the systems that bring the next client in.

Build & Grow includes the 90-day Foundation Course, so the household and the business sit in one plan from the first month.

Owner’s Cash Picture

Illustration
Reserve target Month 1 Month 3 Month 6
Cash by surpriseCash by schedule
A business owner at his laptop in his woodworking shop

What You Have by Day 90

The first 90 days, step by step, and what you have at the end of them.

  • A Financial Baseline

    Cash, receivables, payables, owner draw and margin in one view. You stop learning about the business from the bank balance.

  • A Diagnostic and Roadmap

    A business assessment, setup review, customer and offer review, and a prioritized roadmap, by day 30.

  • Eight Deliverables by Day 90

    After the baseline and roadmap: offers and pricing, a sales tracker and consultation script, an onboarding checklist, a monthly scorecard, six core operating procedures, and a 90-day review with next quarter’s plan.

  • Decisions Laid Out Before You Commit

    Hire, price, borrow, expand or hold, set out as options with what each one gains and costs.

Questions We Answer in the First 90 Days

  • How much can the business pay me, reliably, every month?
  • How many weeks of cash do we hold, and what is the number we won’t go below?
  • Which customers, products or jobs actually carry the margin?
  • What has to be true before the next hire, the next loan or the next location?
  • What does the household need from the business, and what can the business afford to give?
Augustin InsightsSample

Owner Decision View

One decision, three options. Invented figures.

OptionWhat it gainsWhat it costsCash floor after
HoldBaselineReserve reaches its target by Month 4Owner stays in delivery; growth stays flat12 weeks
Hire part timeChosen in this sampleOwner gains 10 hours a week for sales$2,000 a month; target moves to Month 79 weeks
Hire full timeRoom for two more accounts$5,000 a month; reserve dips below the floor in Month 25 weeks

Invented for illustration. These figures do not describe any client.

Build & Grow, Step by Step

The Augustin Insights Method, applied to the company: diagnose, plan, then implement and review. Nothing arrives as a binder. Everything is built in the sessions, with you, and kept current between them.

  1. Days 1 to 30

    Diagnostic

    Business assessment, setup review, financial baseline, customer and offer review, and a prioritized roadmap.

  2. Days 31 to 90

    Systems Build

    The core financial, offer, sales and onboarding systems, delivered with training.

  3. Every month

    Review and Scorecard

    A 60-minute review, a one-page scorecard by the 10th, and written notes with three priority actions within two business days.

  4. Every quarter

    Strategy Review

    A two-hour session: where the business stands, and the plan for the next quarter.

Meetings are by video: a 90-minute kickoff, then 60-minute working sessions every two weeks through day 90. Further systems are built as the business reaches each level.

Who This Is For

Right for You If

  • You own a business that collects revenue, even a small amount, and you make the financial decisions.
  • You want systems that bring in and serve clients, not a one-time report.
  • You face a decision this year: a hire, a loan, a price change or a second location.
  • You want controls and reporting that fit the size of the company, without a full finance team.
  • Your business is a registered company in good standing, or will be within 30 days of signing.

Not the Right Fit If

  • You need bookkeeping, tax preparation, or legal or investment advice. We work alongside your bookkeeper and CPA, and tax treatment of owner pay stays with your CPA.
  • You want someone to run the business for you rather than decide with you.
  • You need audited financial statements or a lender’s formal valuation.

Fees and Terms

The numbers in the Growth Advisory Agreement, in plain words. You see every term in writing before you sign.

The Fees

A Foundation & Build fee of $150 a month for the first 12 months ($1,800), or $70 every two weeks or $35 a week ($1,820). It includes the 90-day Foundation Course, and then it ends.

A Performance Fee each month on Net Revenue: money collected, less refunds, chargebacks and sales tax. Loans and owner money are not revenue. No revenue, no fee.

Examples, with invented figures: at the start rate, $5,000 of Net Revenue means $150 + $1,500 = $1,650 for the month. At Level 1, $11,000 of Net Revenue means $150 + $3,080 = $3,230, before any bonus installment.

How the Rate Falls

LevelMonthly Net RevenueRateOne-time bonus
StartBelow $11,00030%None
Level 1$11,000 or more28%$1,500
Level 2$20,000 or more25%$2,500
Level 3$35,000 or more20%$3,500
Level 4$60,000 or more15%$5,000

A level is reached after three months in a row at its threshold. The lower rate starts the next month and never goes back up. Each bonus is paid once, over three monthly statements, and no installment is more than 5% of that month’s Net Revenue.

Billing and Term

Figures are pulled on the 5th, the statement and invoice arrive by the 10th, you have five business days to question any item, and payment is due by the 20th, by bank transfer or card.

The first 12 months have no early exit; after that the agreement renews yearly unless either side gives 60 days’ notice. If you end it on notice, or it ends for a default on your side, the Performance Fee continues for six months at the rate then in effect. The owner personally guarantees payment for year one and any such tail.

Business owners

Apply for Build & Grow

Send a short note about the business and the decision in front of you. A person replies within one business day, and you see the agreement in writing before anything is due.

For your household

Get Clear

90 days, one on one: every account in one place, ten insights valued in dollars, and a plan you can run. $897, in full or in installments.

Start with Get Clear

Augustin Insights| Private Financial Coaching

Augustin Insights LLC, Miami, Florida
Online, Nationwide. By Appointment Only.
support@augustininsights.net   (561) 918-6688

© 2026 Augustin Insights LLC. All rights reserved. Augustin Insights LLC provides financial coaching, budgeting and organizational support. We do not provide investment, tax or legal advice, and nothing on this site is an offer or recommendation to buy or sell any security. All figures and samples shown on this site are invented for illustration and do not come from or describe any client; photographs are illustrative and do not depict clients. Results vary. Payments are processed securely by Stripe; your card details are never stored by Augustin Insights.