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Fortune 500 finance discipline.
Scaled for Bay Area small business.

Wihemi is a Bay Area finance operations consultancy. We diagnose what's broken in your financial back office, design the systems and processes to fix it, and operate those systems alongside your team — in English or Spanish.

60%
of SMBs cite ineffective cash flow management as a major challenge
62%
say cash flow issues caused missed growth in the past year
39%
have less than one month of operating expenses on hand
95%
make decisions based on bank balance alone
The Problem

Software didn't fix it.

QuickBooks is excellent at what it does. So is Xero. So is BILL. But none of them solve the problem most small businesses actually have — and that problem doesn't live inside the accounting system. It lives in the layer above it.

Every business hits this transition around $1M in revenue. The systems that worked when you were smaller stop scaling. The signs are familiar:

Bank balance is the only "truth"

Decisions get made on what's in the account today — not what's owed, owned, or coming next week.

Books and reality drift apart

Reconciliation gaps grow. Numbers in the system don't match the bank. Nobody knows which is right.

Vendor invoices get paid without verification

Bills arrive and get paid — nobody confirms what's actually owed. Errors hide in plain sight.

Year-end becomes an annual scramble

Tax season is a frantic reconstruction project instead of a routine close. Substantiation is shaky.

How We Work

Three phases.
Clearly scoped. No surprises.

Every engagement starts the same way — with a diagnostic. From there, you decide how far we go together.

Phase 01  — Diagnose

Finance Operations Audit

Fixed fee  •  3–4 weeks
  • Process walkthrough across sales, cash, AP, AR, close
  • Records review and reconciliation sample
  • Gap and risk analysis with prioritization
  • Written findings + 90-day roadmap
Phase 02  — Build

Implementation Project

Fixed fee  •  4–12 weeks
  • Custom system design and deployment
  • Process redesign and documentation
  • Reporting dashboards and KPI infrastructure
  • Team training and handoff
Phase 03  — Operate

Ongoing Support

Monthly retainer  •  6-month minimum
  • Monthly close oversight and reconciliation
  • Forecast updates and variance analysis
  • Owner advisory and quarterly review
  • System maintenance and improvement
The Outcome

Visibility you've never had.

The end state of the work: one screen that answers "how is the business actually doing?" — sales, vendor spend, margin, and cash, reconciled and current. No spreadsheet archaeology required.

Financial Operations Dashboard
Total Sales
$800,000
▲ 29.9% vs. prior month
Vendor Payments
$597,000
Verified before payment
Net Profit
$203,000
▲ 15.5% vs. prior month
Cash Position
$185,000
▲ 12.1% vs. prior month
Revenue & Cost Trend — 12 Months
$100K $50K $0
Revenue Cost of Sales
Vendor Payment Mix
Airfare 44% Hotels 38% Tours 12% Other 6%
Accounts Receivable
$330,000
Accounts Payable
$524,000
Profit Margin
25.4%
Avg. per Booking
$2,400

An illustration of the financial operations dashboard Wihemi builds for clients. Figures shown are representative, not from any specific engagement.

Engagement Structure

Three ways to work together.

Pricing reflects scope, not seniority. We do our own work — no junior staff billed at senior rates.

Start here

Finance Operations Audit

$3,500 – $7,500
Fixed fee  •  3–4 weeks

  • Walk through current processes end-to-end
  • Review records and reconciliation
  • Identify gaps, risks, quick wins
  • Written findings + 90-day roadmap
  • Presentation and Q&A session
Ongoing

Fractional Finance Director

$3,500 – $6,500
Per month  •  6-month minimum

  • Monthly close oversight
  • Forecast updates and reporting
  • Owner advisory cadence
  • System maintenance
  • Quarterly strategic review
Recent Engagement

A Bay Area travel agency — and the gap that QuickBooks couldn't close.

Client

Bay Area family-owned travel agency operating across two countries, with multi-currency bookings and 20+ years of operating history.

Situation

The owner was making supplier payments with no way to verify whether an invoice was a duplicate, an overpayment, or even owed at all. Agent booking changes — modifications, cancellations, refunds — left no audit trail. Books had been kept on spreadsheets and bank statements; the tax preparer couldn't substantiate a return without cleaner records. The owner knew something was off but couldn't pinpoint it.

Approach

Built a custom booking and payment tracking system with full audit trail for every change, modification, and cancellation. Added a supplier payment verification workflow so invoices are matched to actual bookings before money goes out. Rebuilt records to capture every transaction at the moment it happens, in both currencies. Established a reconciliation cadence the team could actually follow.

⚠ What we documented
$153,000
of Q1 client payments could not be tied to a specific booking in the records.
The money was in the bank. What was missing was the documentation linking each deposit to a booking — because no system existed to capture that linkage at the moment of the transaction.
Outcome: the client now has a reconciliation system that prevents this gap from happening again, defensible books for tax filing, and visibility they had never had into their own operation.
About Wihemi

Two decades of senior finance. Now applied to small business.

Wihemi was founded by William Hernandez, a senior finance professional with more than 20 years of experience inside large corporations — building budgets, designing financial systems, negotiating vendor contracts, and partnering with executives on operational decisions.

"I spent two decades bringing finance discipline to companies that already had it. I'm now bringing that same rigor to businesses that have never had access to it."

Wihemi works in close partnership with a credentialed accountant who handles bookkeeping and tax. Together we cover the full finance function — from daily transactions to strategic advisory — for clients who need more than a bookkeeper but don't need (or can't afford) a full-time CFO.

$100M+
Multi-year R&D budget owned (Protagonist Therapeutics)
20+ years
Senior finance experience across pharma, tech, and retail
MS Finance
Golden Gate University, San Francisco
Bilingual  •  Bicultural  •  Bay Area

Built for businesses that need both worlds.

We serve in English and Spanish with cultural fluency that comes from decades in the Bay Area. Finance touches every part of the business — and the conversation should happen in the language the owner thinks in.

Based in Concord
On-site available
Bilingual delivery
Family-business fluent
Get in touch

Let's see if we're a fit.

A 30-minute discovery call costs nothing and commits you to nothing. We'll ask about your business, your numbers, and where you're stuck — and if we can help, we'll tell you how. If we can't, we'll tell you that too.

Email to schedule  →
Reach Wihemi
📍
Based in Concord, California  •  SF Bay Area