Your client sells for more. Your referral made that possible.

When a client begins thinking about an exit, preparation often determines the outcome. We help business owners prepare their financials, reduce deal risk, and get ready for the scrutiny that comes with a sale, before they ever go to market.

You remain the trusted advisor. We handle the preparation that helps transactions close with fewer surprises and stronger outcomes.

For wealth advisors, commercial bankers, CPAs, attorneys, and M&A professionals.
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Paula Mejia and Ray Mejia sitting at FCF Brickell Office

We work before the deal starts. You work when it does.

FCF is not a broker, a banker, or an advisor who runs transactions. We do the financial preparation that makes every one of those relationships more effective, before any of them get involved.

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01

Before the Sale Process Starts

Before a business goes to market, the fundamentals that determine its value need to be in the best possible shape. That means strengthening the financial story, reducing the risks that suppress multiples: owner dependency, customer concentration, inconsistent earnings — and building the operational and financial evidence that supports a premium valuation. FCF works on the things that move the number up and eliminate the discounts a buyer would otherwise justify. By the time your client engages a broker, the business is worth more and the case for that value is already documented.

02
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The Deal Team
Takes Over

Once the business has been optimized and the financial picture is defensible, your client is ready to move. The broker takes it to market. The banker structures it. The attorney protects the terms. The wealth advisor plans for what comes after. Your client arrives prepared. Your work is cleaner because the preparation was already done.

03

The Exit Closes the Way It Should

A prepared seller closes faster, holds the price through diligence, and walks away with the number they negotiated. For everyone in the transaction broker, banker, advisor — a prepared client means a cleaner deal and fewer surprises on the other side of an LOI.

The Firm You Call When a Client Is Not Ready Yet

Not because anything is wrong with your team. Because no one on it is paid to do this work. Whether the issue is valuation, earnings quality, owner dependency, or diligence readiness, this is the work that happens before the transaction begins.

How We Work

We work on the business before we work on the documents.

FCF works on what actually moves the number: reducing owner dependency, addressing customer concentration, recovering margin leakage, building the revenue quality that supports a premium multiple. The kind of work a PE firm does before putting a portfolio company on the market. By the time your client engages a broker, the business is worth more. Not just better documented.

Result: Maximum value before the process starts.
Green line graph with data points showing a rising trend across five intervals.

You Will Know When You See It

Every advisor has a different trigger. Here is what it looks like for each.

Wealth Advisor

Your client wants to retire. Their  plan depends on a number nobody has verified.

They tell you what they expect the business to sell for. You know the plan only works if that number is real. Without a documented valuation and a realistic exit timeline, you are building around an assumption that could be off by millions.
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‍Result: A real number to plan around today. More assets to manage when they sell.
CPA/Accountant

Your client mentions selling. You pull up the books and immediately see the problem.

Personal expenses running through the business. Add-backs that exist but have never been captured. EBITDA that looks different every year for reasons nobody has documented. Nothing is wrong — but nothing is buyer-ready either.

‍Result: Your client's financials get stronger. A client who closes and comes back.
Commercial Banker

Your borrower mentions an exit. You already know what their financials look like.

They come in to renew and mention they are thinking about selling in the next few years. You have seen their numbers. You know the gaps. And you know that an unprepared exit puts the banking relationship at risk right when it matters most.
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Result: A client who exits on the best terms. Deposits that stay after the close.
M&A Broker/Investment Banker

A founder wants to go to market. You ask for financials and immediately know it is too soon.

EBITDA all over the place. Owner in every key relationship. No documented processes. You have seen this before. Taking the engagement means managing a process likely to fall apart in diligence — or sending them somewhere to get ready first.

Result: A prepared seller. A higher transaction price. A fee that reflects it.
Who You Are Reffering To

Ray has sat on your side of the table.

Before founding FCF, Ray spent over 20 years across commercial banking, private wealth management, and business financial advisory at major institutions across South Florida. He also co-founded a PE-backed commercial finance company where he evaluated and funded lower middle market businesses as a lender and investor — giving him a direct view of how buyers, lenders, and advisors each assess business value and where the gaps between those perspectives create risk.
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For the past decade Ray has served as a strategic CFO to founder-owned businesses navigating acquisitions, financing transactions, and ownership transitions. He has seen what happens when a business goes to market prepared — and when it does not.
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As a Chartered Management Accountant, CEPA, and Master of Finance, he brings the financial rigor this work actually requires. He collaborates regularly with CPAs, wealth advisors, investment bankers, M&A attorneys, and private equity firms as the advisor responsible for preparing the business before the transaction process begins.
Your client is in experienced hands. And your referral reflects that.

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Ray Mejia Standing with Coffee at FCF Office

Most businesses that go to market are not ready for what happens next.

The numbers behind why preparation is not optional.

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Most Owners Who Try to Sell Never Close

A business that goes to market without the right financial picture rarely finds a qualified buyer willing to pay what it is worth.
20-30%
actually find a qualified buyer

The Average Deal Gets Repriced After the LOI

By the time a buyer's team finds the gaps, the leverage has already shifted. Price reductions, restructured terms, and deals that fall apart entirely — all of it happens after the founder thought the hard part was over.
400K+
average discount from diligence gaps

The Top Reason Deals Fall Apart Is Not Financing

It is what a buyer finds when they look under the hood. Undocumented add-backs, owner dependency, inconsistent earnings. Every one of them a leverage point.
#1
deal killer is diligence gaps, not the market
When your client mentions selling, start here.

One introduction.
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A stronger outcome for everyone at the table.

Paula Mejia & Ray Mejia FCF Consulting Partners Office Miami
Paula Mejia and Ray Mejia at FCF