Peter Xia, CPA
Strategic CFO turning data into growth and profit.
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About Me
Hey! I am Peter Xia, CPA
I help small business owners gain financial clarity and make confident decisions with data-driven analysis. I build financial models and budgets that show profit drivers, cash flow timing, and paths to growth.
My work combines the discipline of a CPA with real world experience in scaling companies (Celestica Inc. Giftagram Inc.) , raising capital, and navigating market shifts.
I operating 3 steps ahead and spot risks early to uncover growth opportunities. I bring the focus, urgency, and strategic thinking that bring double digit growth.
I operate as your CFO and your right hand who relentlessly pursuits outcomes.
Work With Me
Ronen
Thank you for building such an empowering forecast, especially for our growing business! We have more clarity than ever thanks to the work you've done.
Marcel
You've helped us close multiple complex contracts and clients. Appreciate your strategic insight and ability to execute!
Jeff
Your strong network of referrals helped our business grow not just in finance but also in operations and R&D. It's amazing what happens when you put a team together.
What My Community Says
FAQ
Is my business too small to work with a CFO?
Your business is never too small to benefit from strategic financial guidance. Book a free 15-minute consultation and see how I can create value for you right now.
What results can I expect in the first 90 days?
In the first 90 days, expect a clear financial roadmap, sharper visibility into profit and cash flow, and actionable strategies for growth. The numbers in your business will be organized into a model that shows exactly where money is earned and where it leaks. Spending patterns will be reviewed and optimized for margin improvement. You will have simple, reliable reports that guide daily decisions. Priority projects for the next 6 to 12 months will be defined, along with measurable targets for revenue, profit, and cash reserves.
What’s the difference between you and a bookkeeper or accountant?
A CFO turns those numbers into a strategy. A bookkeeper records transactions and keeps your books up to date. An accountant prepares statements and files taxes. I forecast where your business is heading, identify the levers that drive profit, and build plans to reach your targets. I guide decisions on pricing, hiring, investments, and cash flow so every move supports long-term growth.
How do you typically work with business owners?
The process begins with a clear understanding of the business vision and the owner’s personal goals. Those ambitions are translated into measurable financial targets. A forward-looking model is built to show how revenue, margins, and cash will behave under different scenarios. The focus then shifts to prioritizing initiatives that create the greatest return, whether that involves scaling sales capacity, improving pricing, or tightening costs. Reporting is set up to provide real-time visibility into performance, followed by regular reviews to track progress, adjust strategy, and keep execution aligned with the plan. Every action connects directly to a defined financial outcome and timeline.
How do you build forecasts that owners can actually use for decision-making?
I start with the critical drivers of the business, the metrics that directly influence revenue, margins, and cash flow. I break them into simple, measurable inputs such as sales volume, pricing, conversion rates, and cost per unit. Historical data is combined with forward-looking assumptions to create scenarios that show best case, base case, and stretch targets. Each scenario links directly to operational levers, so an owner can see exactly how changes in pricing, staffing, marketing spend, or capacity will impact profit and cash. The forecast is updated regularly with actual results, turning it into a living tool that guides decisions in real time.
Can you prepare my business for a future sale or exit?
Yes. I prepare the business for M&A due diligence and set up a professional data room that gives buyers confidence from the first review. This includes organizing historical financials, tax filings, contracts, and corporate records into a clean, consistent format. I document customer and supplier agreements, intellectual property, operational processes, and HR policies. Key metrics like client concentration, churn, and margin trends are analyzed and clearly presented. I anticipate the questions buyers and their advisors will ask, so answers and evidence are ready in advance. This approach shortens the due diligence timeline, reduces deal friction, and positions the business as a low-risk, high-value acquisition.
Why do so many SMBs leave money on the table?
Many small business owners leave money on the table because they run on instinct instead of insight. They know their craft, yet the numbers sit in the background like an unopened gym membership that is full of potential and never used. Pricing stays the same for years even as costs creep up. Cash gets tied up in slow paying customers or overstocked inventory. Growth ideas are tested without measuring if they actually pay off. When the books are finally reviewed it is usually for tax season, when the chance to act has already passed. The opportunity is there and it often hides in plain sight until someone puts a spotlight on it.
What will it feel like to finally have complete clarity over your business finances?
It feels like taking a deep breath after years of holding it in. The guesswork disappears, and every decision carries more confidence because the path ahead is visible. You see exactly where money is earned, where it slips away, and what needs to change to reach your goals. Cash flow no longer feels like a roller coaster because you know what is coming next week, next month, and next quarter. Instead of reacting to problems, you start shaping the future. It is calmer, more focused, and it frees up the mental space to grow the business and enjoy the wins along the way.
Is my business too small to work with a CFO?
Your business is never too small to benefit from strategic financial guidance. Book a free 15-minute consultation and see how I can create value for you right now.
What results can I expect in the first 90 days?
In the first 90 days, expect a clear financial roadmap, sharper visibility into profit and cash flow, and actionable strategies for growth. The numbers in your business will be organized into a model that shows exactly where money is earned and where it leaks. Spending patterns will be reviewed and optimized for margin improvement. You will have simple, reliable reports that guide daily decisions. Priority projects for the next 6 to 12 months will be defined, along with measurable targets for revenue, profit, and cash reserves.
What’s the difference between you and a bookkeeper or accountant?
A CFO turns those numbers into a strategy. A bookkeeper records transactions and keeps your books up to date. An accountant prepares statements and files taxes. I forecast where your business is heading, identify the levers that drive profit, and build plans to reach your targets. I guide decisions on pricing, hiring, investments, and cash flow so every move supports long-term growth.
How do you typically work with business owners?
The process begins with a clear understanding of the business vision and the owner’s personal goals. Those ambitions are translated into measurable financial targets. A forward-looking model is built to show how revenue, margins, and cash will behave under different scenarios. The focus then shifts to prioritizing initiatives that create the greatest return, whether that involves scaling sales capacity, improving pricing, or tightening costs. Reporting is set up to provide real-time visibility into performance, followed by regular reviews to track progress, adjust strategy, and keep execution aligned with the plan. Every action connects directly to a defined financial outcome and timeline.
How do you build forecasts that owners can actually use for decision-making?
I start with the critical drivers of the business, the metrics that directly influence revenue, margins, and cash flow. I break them into simple, measurable inputs such as sales volume, pricing, conversion rates, and cost per unit. Historical data is combined with forward-looking assumptions to create scenarios that show best case, base case, and stretch targets. Each scenario links directly to operational levers, so an owner can see exactly how changes in pricing, staffing, marketing spend, or capacity will impact profit and cash. The forecast is updated regularly with actual results, turning it into a living tool that guides decisions in real time.
Can you prepare my business for a future sale or exit?
Yes. I prepare the business for M&A due diligence and set up a professional data room that gives buyers confidence from the first review. This includes organizing historical financials, tax filings, contracts, and corporate records into a clean, consistent format. I document customer and supplier agreements, intellectual property, operational processes, and HR policies. Key metrics like client concentration, churn, and margin trends are analyzed and clearly presented. I anticipate the questions buyers and their advisors will ask, so answers and evidence are ready in advance. This approach shortens the due diligence timeline, reduces deal friction, and positions the business as a low-risk, high-value acquisition.
Why do so many SMBs leave money on the table?
Many small business owners leave money on the table because they run on instinct instead of insight. They know their craft, yet the numbers sit in the background like an unopened gym membership that is full of potential and never used. Pricing stays the same for years even as costs creep up. Cash gets tied up in slow paying customers or overstocked inventory. Growth ideas are tested without measuring if they actually pay off. When the books are finally reviewed it is usually for tax season, when the chance to act has already passed. The opportunity is there and it often hides in plain sight until someone puts a spotlight on it.
What will it feel like to finally have complete clarity over your business finances?
It feels like taking a deep breath after years of holding it in. The guesswork disappears, and every decision carries more confidence because the path ahead is visible. You see exactly where money is earned, where it slips away, and what needs to change to reach your goals. Cash flow no longer feels like a roller coaster because you know what is coming next week, next month, and next quarter. Instead of reacting to problems, you start shaping the future. It is calmer, more focused, and it frees up the mental space to grow the business and enjoy the wins along the way.