Veteran-owned · Virtual-first · New York & nationwide

Financial Plumbers — We Find the Leaks in Your Business.

Find Out What's Working, What's Costing You Money, and What Needs to Change.

Mulhall Analytics evaluates small-business operations, analyzes costs and performance, identifies inefficiencies, and gives you a practical improvement plan based on the records and processes in scope.

You receive clear findings, recommendations in priority order, and any agreed tracker or dashboard, so you can see what we found and decide what to do next.

Schedule a Free Introductory Consultation See how a business evaluation works View the fictional HVAC example

The consultation is introductory. Any paid evaluation is scoped and priced separately before work begins.

Explore a clearly fictional example

See What a Business Leak Looks Like.

See an interactive example of a fictional HVAC contractor review: estimated versus actual direct costs, what the overrun shows, and why job-level labor tracking can help explain the difference.

How the evaluation works →

Interactive business evaluation example

A fictional 15-job HVAC review over 90 days

Illustrative example only. These numbers do not describe a real client or promise a result.

FICTIONAL EXAMPLE

Estimated direct costs$84,000

Actual direct costs$96,500

Actual costs above estimate$12,50014.9% above estimated direct costs

Labor comparison

Labor accounts for $8,000 of the $12,500 variance.

Estimated labor was $36,000; actual labor was $44,000. That leaves $4,500 of the total variance in other direct-cost categories for the review to examine.

Estimated labor$36,000

Actual labor$44,000

What the review finds

Across 15 jobs, actual direct costs are $12,500 higher than estimated.
Labor is $8,000 above its estimate, the largest identified difference in the supplied figures.
The totals show where a variance exists, but not which job, work phase, or cause created it.

What we recommend

Record labor hours against each job and work phase, not only as a period total.
Compare estimated hours with actual hours when each job closes.
Review repeat overruns and adjust future estimates only after checking job conditions and scope changes.

Direct costs are not net profitability. This example does not include revenue, overhead, taxes, financing, or other costs, so it cannot show net profit or an overall profit margin. Findings are observations from fictional totals; recommendations do not guarantee savings.

FICTIONAL DATA · EDUCATIONAL DEMONSTRATION

No client information. No uploads. No connection to private business records.

Business scenario

Reporting period

All amounts in USD.
Every scenario is fictional.

Your sample overview

Contractor performance

Contractor · steady demand · Q3

Revenue

$93,700Recorded sales for the selected period.

Listed operating expenses

$65,200Labor + materials/products + overhead + rework.

Operating surplus

$28,500Revenue minus the four listed expense categories.

Illustrative operating margin

30.4%Operating surplus ÷ revenue; weighted by revenue for the quarter.

This illustrative surplus is not necessarily net income, gross profit, or cash flow. Taxes, interest, depreciation, financing, and any other unlisted costs or cash movements are excluded. Labor and materials exclude the separately listed rework expense.

Revenue & expenses

Show

▰ Revenue▧ Listed expenses

Bar heights use a shared zero baseline. Exact values below.

Expense breakdown

Operating margin trend

A single month has no within-period trend. This chart shows only the selected months.

Operational indicators

Job completion: 90.8%
Estimated labor utilization: 73.1%
Rework share of listed expenses: 7.2%

129 completed / 142 scheduled jobs. 950 productive / 1300 available labor hours. Definitions below.

Start with a $99 Business Performance Review →

Metric definitions & calculation rules

Operating surplus: Revenue − labor − materials/products − overhead − rework. This excludes every cost not explicitly listed.
Operating margin: Operating surplus ÷ revenue. Quarter totals are calculated from summed revenue and expenses, never by averaging monthly percentages.
Completion: Completed jobs or appointments ÷ scheduled jobs or appointments. Quarter values use aggregate counts.
Estimated labor utilization: Productive labor hours ÷ available labor hours. An illustration, not a benchmark or employee performance rating.
Rework share: Rework expenses ÷ all four listed expense categories. Rework is separate and is not counted again in labor or materials.
Missing and zero values: Missing, non-finite, or negative source inputs produce unavailable results for the affected totals. Zero denominators produce unavailable ratios. A negative operating surplus is a valid loss.

Accessible sample data

All data fictional. Scroll the table horizontally on smaller screens. Counts and hours are included so the operational indicators can be checked.

Contractor · steady demand: selected period, USD unless noted
Month	Revenue	Labor	Materials / products	Overhead	Rework	Operating surplus	Margin	Completed	Scheduled	Productive hours	Available hours
July	$28,000	$9,000	$5,500	$4,000	$1,500	$8,000	28.6%	38	42	280	400
August	$31,500	$10,200	$6,100	$4,100	$1,800	$9,300	29.5%	43	48	320	440
September	$34,200	$11,000	$6,400	$4,200	$1,400	$11,200	32.7%	48	52	350	460
Selected total	$93,700	$30,200	$18,000	$12,300	$4,700	$28,500	30.4%	129	142	950	1300

Sample output only. Actual consulting deliverables depend on the agreed service and available records.

How we help

Find the leak before you choose the fix.

You do not need to diagnose the problem before calling. We start with what feels off and help organize the operating information around it.

Operational leaks

Rework, unclear handoffs, and avoidable bottlenecks that make everyday work harder than it should be.

Time leaks

Waiting, duplicated effort, and slow approvals that delay delivery, billing, and the next job.

Cost leaks

Labor, materials, overhead, and other expenses that drift away from the plan without a clear explanation.

Profit leaks

Revenue that looks healthy while margins quietly shrink across jobs, services, or workflows.

See the evaluation process and deliverables Explore all services

Bookkeeping support

Clearer records. A better understanding of your finances.

Get help organizing financial records, categorizing income and expenses, reconciling bank and credit card accounts, and keeping monthly books up to date. Bookkeeping works alongside our operations and analytics consulting.

Explore bookkeeping services

Start with one conversation

Let's find out where the money is going.

Tell us what feels off. We'll use the free 20-minute call to understand the situation and identify a sensible next step.

Find My Business Leaks