Behavioral Health CFOs
The MoneyMap Method™

The financial operating system for behavioral health.

Four steps and one operating rhythm, built to give leadership cash visibility and stronger unit economics.

4 mo.Operating reserve target
13 wk.Cash forecast horizon
WeeklyForecast & CFO email
Step 1 · Immunize

Immunize against volatility.

Payors pay late. Care gets delivered months before the cash arrives. We help you build a four-month reserve so leaders decide from strength, not scarcity.

2 mo.Cash on hand
+
2 mo.Collectible A/R
=
4 mo.Total floor

Rule: if no A/R exists, the full 4-month reserve is held in cash. The reserve shouldn't sit idle; it should earn yield while protected by internal controls.

Step 2 · Predict

Predictability creates control.

A 13-week cash forecast replaces reactive bank-balance checking, so payroll week holds fewer surprises.

We also work to shorten the cash conversion cycle: billing faster, tightening A/R follow-up, and structuring prepayments to free up working capital. The cash forecast is one of the first things we build (see the timeline below).

Step 3 · Optimize

The growth formula.

Profit Per X = Revenue per service − Cost per service
Net Income = Profit Per X × Total Services

Pricing in behavioral health isn't static.

We evaluate program pricing against your market position and cost structure, using three dials.

DialScarcityLeverage market demand
DialBrand powerMonetize reputation
DialSpecialtyPremium for clinical focus
Step 4 · Integrate

One system, real-time visibility.

The tools we set up and connect for you, so the numbers flow without re-keying.

  • General ledger (QBO) as the single source of truth
  • Behavioral health chart of accounts
  • HR & payroll: Rippling
  • Spend management: Ramp · Divvy
  • Treasury: Ramp · Meow · Mercury
  • Live executive dashboards
  • Automated data flow between platforms
  • Audit-ready monthly close
What we track

The 7 numbers that drive 80% of financial performance.

Tracked consistently over time, these give leadership a complete picture of financial health.

  1. 01
    Cash balance, actual & projectedMonthly ending cash plus a 12-month forward projection. Target: 4 months in short-term reserves.
  2. 02
    Profit Per XProfit per service unit: per session in outpatient, per treatment day in IOP, PHP, and RTC.
  3. 03
    Cash conversion cycleTime from service delivered to cash collected.
  4. 04
    Service volumeSessions, treatment days, or equivalent units by level of care.
  5. 05
    A/R days outstandingCurrent days in A/R and the historical trend.
  6. 06
    Payroll as % of revenueTracked alongside service volume to catch drift early.
  7. 07
    Blended daily rate by service lineThe rate actually received across each level of care.
Start here

The Free Financial Systems Audit

A 60-minute working session with Josh. You keep all the analysis, even if we never work together. Pricing for any ongoing work is a custom quote after the audit.

60Minutes
3Deliverables
$0Cost
Book your free 60-minute audit →

Questions first? Email josh@bhealthcfo.com or Call Josh 435-429-2855.

Audit findings are preliminary and based on the information you share with us. The free audit doesn’t create an advisory or client relationship. Details

Once you engage, Josh & Tyler take every onboarding call personally.

What you walk away with
  1. Your top 3 profit levers, quantified in dollars.
  2. A redlined P&L showing where margin is hiding.
  3. A 90-day sprint plan you can run with us, or without.
Built for outpatient, IOP, PHP, residential, and inpatient behavioral health operators.