Creator Space / Entrepreneurs / Business Consultant — ERM & Capital Structure
Business Consultant — ERM & Capital Structure
Big 4 ERM (Ernst & Young) frameworks applied to operator-led businesses.
About this service
Operator-led businesses outgrow their early risk frameworks fast. By the time a founder has revenue, employees, contracts, and outside money, the off-the-shelf risk template the lawyer drafted at incorporation is no longer sufficient. This service applies the Big 4 Enterprise Risk Management framework (COSO 2017, adapted for small-mid businesses) to your specific operation. Basic tier is the one-session diagnostic. Standard tier delivers the full framework. Premium tier is the fractional ERM lead retainer for businesses that need ongoing risk oversight without hiring full-time.
Frequently asked
What kinds of businesses do you work with?
Operator-led businesses with $250K-$10M revenue. Real estate operators, F&B operators, professional service firms, mission-aligned ventures. Pre-revenue startups or Fortune 1000 corporates are outside fit.
Do you replace my CPA or my attorney?
No. ERM sits alongside tax and legal. The framework identifies risks; the CPA quantifies financial exposure; the attorney implements controls. All three are needed.
What is COSO 2017?
Committee of Sponsoring Organizations Enterprise Risk Management framework, updated 2017. The industry standard for risk frameworks at large companies. Adapted here for operator-scale businesses.
Can the Premium retainer be paused mid-quarter?
Yes — quarterly tiers can be paused, resumed, or terminated with 30 days notice. No long-term commitment beyond the active quarter.
Is this compatible with my existing fractional CFO?
Yes. ERM and fractional CFO services are complementary — CFO covers numbers, ERM covers risk frameworks. Many engagements run both in parallel.