Operator-Grade Finance, Industry by Industry
Every industry hides cash in different places — inventory, receivables, seasonality, projects. We've run businesses in several of these categories ourselves, and we build the financial system around how your industry actually moves money.
Six Industries, One Financial Operating System
The system is the same — clean books, real forecasts, capital readiness. What changes is where we look for the money.
eCommerce & DTC
Our deepest bench: 30+ brands served. Inventory-driven cash cycles, ad spend efficiency, contribution margin by SKU, and the working-capital math that decides whether growth funds itself or eats you alive.
Consumer Packaged Goods
Retail and wholesale terms stretch your cash while production bills arrive early. We manage the gap: landed costs, trade spend, distributor terms, and the DSO discipline that keeps shelves stocked without starving the company.
Retail
Oscar has owned and operated retail businesses. Location-level P&Ls, seasonality planning, shrink and margin control, and knowing which stores actually earn their rent.
Real Estate
Entity structures, debt schedules, and project-level returns — from an operator who's transacted on the buy and sell side. Books that hold up when the lender asks for them.
Professional Services
Utilization, project profitability, and pipeline-to-cash forecasting for agencies, firms, and consultancies — where payroll is the biggest cost and unbilled work is invisible cash.
Hospitality, Health & Wellness
Daily-cash businesses with thin margins and heavy labor. Prime-cost tracking, labor efficiency, and the weekly cadence that catches problems while they're still cheap to fix.
Generic Bookkeeping Misses Industry-Shaped Problems
A bookkeeper who treats an inventory brand like a consulting firm will produce technically accurate books that answer none of your real questions. Where's my cash going? Which SKU, store, or client is actually profitable? Can I afford the next purchase order?
The OCG system starts from your industry's cash mechanics — then layers clean books, CFO reporting, and capital readiness on top of it.
Not sure your industry is listed? If your business moves real money, the system applies — ask us directly.