Palmer's Strategic Advisors | F&B CFO Advisory | Shelf-to-Savings™
F&B CFO Advisory — $1M to $20M

Your Revenue Is Growing.
So Why Does Cash
Feel This Tight?

We help Food & Beverage brands recover margin, fix cash flow, and build the financial infrastructure to scale — without adding a single dollar of new revenue. The Shelf-to-Savings™ framework finds what's already leaking.

Exclusively F&B — $1M to $20M
$500K+ recovered across clients
Shelf-to-Savings™ Framework
Zero new revenue required
Client Results at a Glance
$180K
Recovered for a craft brewery in 90 days — zero new revenue
$210K
Identified for a $7M CPG brand — rebuilt their growth model
11×
ROI on Advisory retainer — year one, $3.4M RTD brand
40%
Higher valuation — snack brand's institutional raise after Elite engagement
$500K+
Margin Recovered Across Portfolio
$180K
Recovered for One Brewery in 90 Days
11×
Advisory ROI in Year One
$0
New Revenue Required — Ever
The Real Problem

Growth Doesn't Break Revenue. It Breaks Cash.

Every F&B founder we work with has the same story: sales are up, the team is growing, the brand is gaining traction — and yet every month ends with less breathing room than the month before.

Revenue is often the last metric to show strain. By the time sales slow, the cash is already gone. Most founders believe they have a revenue problem. Most have a financial structure problem.

See How We Fix It

"I'd been blaming distribution and our taproom foot traffic. I never thought to look at what we were paying our suppliers."

— Regional Craft Brewery, $4.2M Revenue
📉
Contribution Margin Erosion

Discounting, freight, spoilage, and labor creep quietly eroding profitability on every dollar of revenue.

🔀
Channel Profitability Distortion

Mix shifts that create "growth" on paper — but actually lose money in specific channels.

📦
Inventory Velocity Decline

Cash parked on pallets while demand changes. Working capital trapped in the warehouse.

Cash Conversion Cycle Expansion

Taking longer to turn product into cash — while suppliers demand payment faster.

🏦
Working Capital Compression

Growth funded by your bank balance — because the business is outpacing its own cash generation.

Our Proprietary System

The Shelf-to-Savings™ Framework

Five layers of hidden margin — built specifically for Food & Beverage operating realities. Every engagement runs through all five.

L1
COGSCost of Goods
Misallocated product costs, supplier pricing never renegotiated, BOM errors, packaging cost changes not reflected in pricing. Where most brands leak the most.
Highest
Impact
L2
OverheadFixed Costs
Fixed costs allocated incorrectly across SKUs or production sites — masking your true performers and suppressing margin reporting on your best products.
Clarity
Driver
L3
Working CapitalCash Timing
Cash conversion cycle gaps — paying suppliers in 14 days while waiting 55 days to collect from distributors. The #1 driver of cash crunch in growing F&B brands.
Cash
Freed
L4
PricingChannel Margins
Channel-level contribution that's negative. Promotional pricing that costs you money. Price increases that are 18 months overdue. Distributor terms that no longer make sense.
Margin
Reclaimed
L5
Growth TaxScale Friction
Software subscriptions, logistics contracts, broker fees, and 3PL rates set when you were smaller — never updated as you scaled into new volume milestones.
Fast
Wins
Engagement Options

Three Ways to Engage.
One Standard of Work.

We determine the right level of engagement together — based on where you are, what you need, and what your business can act on.

Engagement 01

Financial Pressure Test

A 10-day diagnostic that stress-tests margin, cash flow, inventory, and working capital — and identifies the levers that break first, with a clear action plan.

Learn About FPT
Engagement 02

Elite Finance Partnership

Our most complete engagement — an integrated finance function that includes ongoing accounting, payroll, tax planning, and deep CFO advisory built on the 16-driver monthly scoreboard.

Learn About Elite
Engagement 03

Advisory-Only Partnership

For brands with strong existing accounting. Monthly fractional CFO coverage — decision support, scenario modeling, and continuous margin monitoring without replacing your current team.

Learn About Advisory
Not Sure Where to Start?

We'll determine the right fit in a 30-minute call. No pitch, no pressure — just clarity.

Book a Clarity Call
Real Brands. Real Numbers.

Zero New Revenue Required.

🍺 Elite Engagement — Craft Brewery

$180,000 Recovered in 90 Days. Not One New Customer Needed.

A regional craft brewery was growing at 11% per year — and couldn't figure out why cash felt impossibly tight every single month. We ran a full Elite engagement across all five layers of the Shelf-to-Savings™ framework.

The working capital analysis revealed they were paying their hop supplier in 14 days while waiting 55 days to collect from distributors. That mismatch — not a lack of sales — was the engine behind their perpetual cash crunch.

"Scotty found $180,000 sitting in our own P&L that we'd been walking past every single month. I wish we'd done this three years ago."

— Brewery Owner, $4.2M Revenue
Read All 5 Case Studies
$4.2M
Annual Revenue
$180K
Margin Recovered
90
Days to Results
$0
New Revenue Needed
What We Found
Grain supplier — 3yr relationship, never renegotiated +$42K/yr
Co-packer downtime charges eliminated +$18K/yr
Cash conversion cycle: 61 days → 32 days $47K freed
Taproom pricing — 22 months unchanged +$31K/yr
Unused software + cold storage renegotiation +$22K/yr
About Scotty Palmer

Built for F&B. By Someone Who's Worked Inside It.

Scotty Palmer is the founder of Palmer's Strategic Advisors and creator of the Shelf-to-Savings™ framework — built specifically for the operational realities of Food & Beverage: trade spend, freight-in, inventory turns, working capital timing, and co-packer dynamics that general advisors simply don't understand.

He serves as the trusted CFO advisor for F&B founders doing $1M–$20M, helping them connect what happens on the shelf to what lands in the bank.

Read Scotty's Full Story

"My work is to make the invisible visible — and then put a dollar amount on it."

— Scotty Palmer, Founder
Revenue hides weak operators. Growth without margin discipline is reckless.
Bookkeeping is not strategy. Recording what happened is not understanding what it means.
Most F&B founders don't have a revenue problem — they have a financial structure problem.
Scale is earned through discipline, not momentum.

Your Margin Is Already There.
Let's Find It.

The Financial Clarity Call is 30 minutes. We'll identify your single biggest margin opportunity — at no cost, no obligation. F&B brands doing $1M–$20M only.

Schedule My Free Clarity Call
30 minutes · No pitch · No obligation · F&B founders only