2-HOUR MSME BUSINESS CONSULTATION
Is Your Business Making Profit?
A focused 2-hour strategic consultation to diagnose your financial gaps, clarify your compliance obligations, and give you a prioritised correction plan, so you stop guessing and start building with clarity.
THE COST OF STAGNATION
Revenue Is Not the Same as Financial Health
Your business is generating income. Clients are paying. Sales are happening. But when you look at the actual numbers, really look, the picture is not as clear as it should be.
You may not know your true cost of doing business. Your pricing might be covering expenses but not protecting profit. Your statutory obligations: TAMIS, NIS, corporate filings, might be overdue, partially completed, or handled reactively instead of strategically.
And the money? It moves in and out, but you are not entirely sure where it all goes. There is no structured system tracking revenue against expenses. No clear picture of what is profitable and what is quietly draining you.
None of this means you are failing. It means your business has outgrown the systems you started with, and without a financial diagnostic, you are making growth decisions on incomplete information.
The longer you operate without financial visibility, the more expensive the correction becomes.
What Two Hours of Financial Clarity Gives You
You walk into this consultation with questions. You walk out with answers, and a plan.
A complete financial diagnostic
A focused, high-level review of your pricing, expenses, cash flow structure, and current financial setup. Not a surface scan, a strategic assessment that shows you exactly where your business stands financially.
Compliance clarity
Guidance on TAMIS, NIS, and your core statutory obligations so you understand what is required, what is overdue, and what to prioritise. No more guessing about whether you are compliant — you will know.
Business banking and structure review
An assessment of your account setup and financial systems to identify structural gaps. If your business money and personal money are tangled, or your accounts are not set up to support growth, this is where it gets fixed.
Profit leak and risk identification
Pinpointing areas where money may be leaking, misallocated, or creating unnecessary exposure. These are the things you cannot see from inside the business, and they are often the most expensive.
An immediate action roadmap
Clear, prioritised next steps so you leave with a structured correction plan, not more questions. You will know what to tackle first, second, and third, and why.
This is not a lecture about business finance. This is a strategic working session built around your actual business, your actual numbers, and your actual gaps.
Strategic Financial Guidance Rooted in Caribbean Business Reality.
Marcia Armstrong works with MSME owners across Barbados who are building real businesses, generating revenue, serving clients, employing people but operating without the financial structure needed to protect and grow what they have built.
She does not give you a North American playbook. She gives you practical, structured financial guidance designed for Barbadian business realities: TAMIS obligations, NIS requirements, local banking structures, and the cost-of-living pressures that shape how Caribbean businesses actually operate.
Her approach is direct: assess the full financial picture, identify what is working and what is leaking, and build a prioritised plan you can execute immediately. No jargon. No theory. No vague recommendations.
- 15+ years in finance and financial literacy education
- Experience across individual, corporate, and MSME financial contexts
- Internationally trained in financial literacy and behavioural finance
- Trusted by institutions including the Central Bank of Barbados
- Clients include business owners who restructured pricing, corrected compliance gaps, and moved from financial confusion to structured profitability
How the Consultation Works
01
Book Your Session
Choose your preferred date and time. You will receive a short pre-session intake form to capture key details about your business so Marcia can prepare for a focused, productive session. The more details you share here the better.
02
Bring Your Numbers
Come prepared with your revenue figures, expense records, current pricing, and any compliance documents you have. The more honest the picture, the more valuable the diagnostic. No judgement, just truth and a plan.
03
Leave With a Correction Plan
In two hours, Marcia will assess your financial structure, identify gaps and leaks, clarify your compliance position, and build a prioritised action roadmap you can start executing immediately.
WHAT'S INCLUDED
Everything Covered in Your Consultation
2-Hour Strategic Financial Diagnostic
A focused, high-level review of your pricing, expenses, cash flow structure, and current financial setup. This is not a generic assessment. It is tailored to your specific business, your industry, and your current stage of growth.
Compliance & Statutory Clarity
Guidance on TAMIS, NIS, and your core statutory obligations. You will understand what is required, what may be overdue, and what steps to take to bring your business into compliance. This alone can save you significant penalties and stress.
Business Banking & Structure Review
An assessment of your current account setup, financial systems, and how money flows through your business. If your structure has gaps, mixed personal and business accounts, missing allocations, or no separation of operating and tax funds, this session identifies them.
Profit Leak & Risk Identification
A targeted review to find where money is being lost, misallocated, or creating unnecessary exposure. Profit leaks are often invisible from the inside; this diagnostic brings them into the open so they can be corrected.
Immediate Action Roadmap
A clear, prioritised correction plan with specific next steps. You will know exactly what to tackle first, what can wait, and what requires outside support. This is a working document, not a generic report. It is built around your business, your numbers, and your priorities.
Clarity Brings Peace
When you know exactly where your money goes, you take control of what it does.
100% Judgement-Free Space
Is This Right For You?
This Consultation Is For You If...
- You are an MSME owner generating revenue but lacking clear financial visibility
- Your pricing was set by instinct and has never been formally reviewed against your actual costs
- You are unsure whether your business is truly profitable or just busy
- You have compliance obligations (TAMIS, NIS, filings) that may be incomplete or overdue
- Your business banking and account structure needs assessment
- You want a clear, prioritised plan of action, not more theory or generic advice
- You are ready to look at your real numbers and make strategic corrections
This Consultation May Not Be the Right Fit If...
- You need ongoing implementation support over several weeks (the Business Structure & Profit Build-Out may serve you better)
- You are looking for tax filing or accounting services (we provide strategic clarity, not bookkeeping or tax preparation)
- You need personal financial coaching (our individual services are designed for that)
CUSTOMER STORIES
What Business Owners Are Saying
My main problem was that I wanted to make sure I was pricing my products correctly while making sure I was on the right track to making my business profitable. It was eye-opening to learn the groundwork and breakdown it took Marcia to put it all together in the pricing of one item. It made me realize what it takes to cost and price more thoroughly. Going through the process I understood it much clearer. I would recommend this session to any entrepreneur; it is a good exercise to go through to make sure you are on the right path to making your business more successful :)
Before working with Marcia, my pricing structure could have been clearer. I knew I was leaving money on the table, but I lacked the expertise and clarity to develop a pricing strategy that truly reflected the value we deliver. That's where Marcia came in. From the very beginning, Marcia impressed me with her in-depth knowledge of pricing strategies and her ability to grasp the nuances of my business quickly.
CLARITY BEFORE YOU COMMIT
Questions You Might Be Asking
It is completely normal to have questions before making an investment in your financial future. We are here to provide the clarity you need to move forward with confidence.
Is $550 worth it for a two-hour session?
You are not paying for two hours of conversation. You are paying for a complete financial diagnostic, compliance review, structural assessment, and a prioritised correction plan built around your actual business. Many business owners discover profit leaks, pricing gaps, or compliance risks in this session that would have cost them significantly more if left unaddressed. This is one of the most cost-effective investments you can make in your business's financial health.
I have an accountant. Why do I need this?
Your accountant handles your books and your filings. This consultation handles your strategy. We assess whether your pricing protects your margin, whether your business structure supports growth, and whether your financial systems are actually giving you the visibility you need to make good decisions. These are different conversations, and most accountants will tell you the same thing.
What if I don't have my numbers organised?
Bring what you have. Part of the value of this session is that Marcia helps you see what you do and do not know about your finances. Even if your records are scattered, the diagnostic will identify the gaps and the action roadmap will prioritise what needs to be organised first.
Can you help with my taxes or do my bookkeeping?
No. This consultation provides strategic financial clarity and compliance guidance, not bookkeeping, tax preparation, or accounting services. If you need those services, the action roadmap will include recommendations for what to outsource and to whom.
What happens after the consultation?
You leave with a prioritised action roadmap. If you want guided implementation over eight weeks, the Business Structure & Profit Build-Out is the natural next step. If you want ongoing strategic oversight, the Growth Retainer provides monthly accountability. But there is no pressure, the consultation is designed to stand on its own.
Your Investment
$550 BBD
One 2-hour strategic financial consultation including a complete business financial diagnostic, compliance and statutory clarity, business banking and structure review, profit leak and risk identification, and a prioritised immediate action roadmap.
One session. Full clarity. A correction plan you can execute the same week.
Here's What Happens Next
Book your session - Choose a date and time. Local and international booking options are available.
Complete the pre-session intake form - A short business questionnaire so Marcia can prepare for a focused, productive session. Takes about 15 minutes.
Gather your numbers - Bring your revenue records, expense details, current pricing, and any compliance documents you have. The more complete the picture, the more valuable the diagnostic.
Show up for your 2-hour consultation - Marcia assesses your financial structure, identifies gaps and risks, and builds your correction plan in real time.
Leave with your action roadmap - A clear, prioritised document showing exactly what to fix, what to build, and what to address first.
You already know something needs to change. This is where it starts.
Book My MSME Consultation
$550
Secure one-time investment of $550
Not ready to book just yet?
Download the free Business Financial Health Checklist today.
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