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Inês Carvalho Book a call

Fractional CFO for e-commerce brands · €1–10M a year

“We sold more than ever and the bank account is empty.” Know your cash 13 weeks ahead.

I build your 13-week cash forecast in your own spreadsheet, so you decide stock, ads and hiring with numbers — and stop being surprised.

Free · 30 min · I look at your last 3 months and name your biggest cash leak.

Inês Carvalho with a client founder in his warehouse, between shelves of stock

What clients say

“Inês found €140k of cash sitting in slow stock. We used it to fund our best season.”

Joana Sá, co-founder of a children’s clothing brand

Since 2021

  • 31e-commerce brands worked with
  • 9 yrsat Deloitte, corporate finance
  • €18MCFO of a Portuguese direct-to-consumer furniture brand that grew from €2M to €18M
  • ACCAchartered accountant — who still doesn’t do bookkeeping

What founders tell me on the first call

Growing, selling, and still short of cash.

  1. Stock“I don’t know if I can afford the next stock order.”
  2. Friday“Every Friday I’m scared of payroll.”
  3. Advice“My accountant tells me what happened last year, not what happens next month.”

What they want is simple: to know how much cash they will have in 13 weeks, to stop being surprised, to decide stock, ads and hiring with numbers — and to sleep.

A founder alone at a desk among stacked boxes of stock, reading her phone
Staged photo, not a client.

Founders of e-commerce brands with €1–10M a year, in one of three spots.

01

Growing, but always short of cash

Sales go up, the bank balance doesn’t. You want to see the next 13 weeks before they happen.

Book a cash check
02

Raising money or taking a loan

You need numbers an investor or a bank trusts — a forecast, unit economics and a board-style review.

Book a cash check
03

Stuck with too much stock

Cash sits on the shelves. You need an inventory plan and to know which products make money after ads, returns and shipping.

Book a cash check

Not for you if…

  • your brand makes under €500k a year — you get my free template and a recorded walkthrough instead: get the template
  • you need only tax filing or bookkeeping — I work with your accountant; I’m not one.
  • you run a dropshipping store.

Check in two clicks

Yearly revenue
What worries you most

Pick one answer in each row and you’ll see your next step here.

Cash Clarity Sprint · 4 weeks · €4,500 fixed

After four weeks, you can see 13 weeks ahead.

Illustration: a 13-week cash line that dips around week 6 and stays above zero
Illustration, not client data.
the dip you now see coming · week 13, above zero

Everything is built in your own spreadsheet and your existing tools — Shopify, Stripe, your bank. Your team is trained to keep it.

  1. A 13-week cash forecast, built in your own spreadsheet.
  2. Unit economics per product: the margin after ads, returns and shipping.
  3. An inventory plan, so cash stops sitting on the shelves.
  4. A one-page monthly dashboard.
  5. Your team trained to keep all of it up to date.

From a 30-minute call to a forecast your team keeps.

  1. First · 30 min

    Cash check call

    Free. I look at your last 3 months and name the biggest cash leak.

  2. Within 48 hours

    Proposal

    A proposal for your brand, within 48 hours of the call.

  3. Week 1

    Read-only access

    Bank, shop and ad accounts. NDA signed before any access.

  4. Weeks 2–3

    Forecast and unit economics

    Built in your spreadsheet, product by product.

  5. Week 4

    Handover and training

    Your team learns to keep it.

  6. Optional

    Monthly CFO

    If you want me to stay on.

From you: about 2 hours a week during the Sprint.

Ana Mendes at a whiteboard running a cash-flow workshop with two clients
Ana Mendes, my associate, in a cash-flow workshop.
Tomás Ribeiro laughing on a review call at his desk, parcels around him

Six weeks with a coffee equipment brand

Tomás Ribeiro’s result

“In six weeks we went from guessing to knowing. We cut two products that were losing money on every sale and stopped the panic before payroll.”

Tomás Ribeiro, founder of a coffee equipment brand

A fixed four-week Sprint, or a CFO every month.

Both start with the free 30-minute cash check.

Cash Clarity Sprint

€4,500fixed · 4 weeks

If after week 1 you don’t see a clear picture of where your cash goes, you can stop and pay nothing.
  • 13-week cash forecast in your own spreadsheet
  • Unit economics per product (after ads, returns and shipping)
  • Inventory plan
  • One-page monthly dashboard
  • Your team trained to keep it
Book the free cash check first

Fractional CFO

from €2,800a month · minimum 3 months

  • 2 days a month, plus a weekly 30-minute call
  • A monthly board-style review
  • Fundraising and bank-loan preparation
Ask about monthly CFO on the call

The most common “no”

It’s too expensive for us right now.

The Sprint usually finds more than its price in cash within weeks — at Joana’s brand I found €140k sitting in slow stock. And if week 1 doesn’t give you a clear picture of where your cash goes, you stop and pay nothing.

Inês walking along a Lisbon street to a client, a yellow tram beside her
Inês Carvalho in her office in Lisbon, by the window

Inês Carvalho · Lisbon, working across Europe

Why I do this

“I was the CFO who had to call the founder on a Friday to say we couldn’t pay the supplier. I never want a founder to get that call again.”

  • 9 yearsDeloitte, corporate finance
  • CFOof a Portuguese direct-to-consumer furniture brand that grew from €2M to €18M
  • Since 202131 e-commerce brands worked with
  • ACCACertified chartered accountant
  • EN · PTI work in English and Portuguese, with clients across Europe, together with Ana Mendes, financial analyst
Inês speaking to a full room at the Lisbon E-commerce Founders meetup
Lisbon E-commerce Founders meetup, March 2026.

What founders ask before they book.

How is this different from my accountant?

Your accountant looks at the past and your taxes. I look at the next 13 weeks and the decisions in them: stock, ads, hiring. I work with your accountant, not instead of them.

Do I need to change software?

No. I work in your spreadsheet and the tools you already use: Shopify, Stripe and your bank.

Is my data safe?

Access is read-only, and an NDA is signed before I see anything.

What if we’re too small?

Under €500k a year, you get my free template and a recorded walkthrough.

How much of my time does it take?

About 2 hours a week during the Sprint.

Do you work in English?

Yes — in English and Portuguese, with clients across Europe.

No more Friday surprises. Know your cash 13 weeks ahead.

Book a free 30-minute cash check

Free · 30 min · I look at your last 3 months and name your biggest cash leak.

Not ready to talk? Follow my posts on cash flow on LinkedIn.