Scale Clear

Execution‑first finance for scale‑ups

Decide how far you can go — before the money decides for you

Hi, I’m Tibor,
a scale‑up CFO with more than 10 years in the C‑suite.

Businesses stop for one reason: they run out of cash. Not ideas. Not talent. Cash. One thing ranks above it: your mission.

When you’re scaling, you’ve figured out what to do. The questions start around how and when. How far can we go — before something breaks, when it breaks, and what it costs when it does. With growth, complexity explodes. Decisions multiply. Metrics pile up. Everything looks important.

The work is to isolate what actually decides outcomes: what moves the business, what has become secondary, and which decisions can be made safely — and which cannot.

I work inside the business on a fractional basis, directly involved in decisions and accountable for outcomes.

Tibor Kadar, wearing a plaid shirt, working on a laptop at a wooden table in a modern office space.

How can I help you?

In 3–5 hours, you’ll know exactly where your finances stand and what to fix first.

  • Honest feedback from a CFO with 10+ years in the C-suite

  • Review of your financial model and unit economics

  • Deep-dive workshop (up to 2 hours)

Snap Financial Review

Get Clarity in Hours

Cash Flow Optimization

Unlock 2–3x More Working Capital Without Raising Funds

Engineer the timing advantage that multiplies in your favor as your company grows.

  • Optimize payment terms with clients and suppliers

  • Identify critical success factors

  • Negotiation coaching for payment terms

Get reports that speak your business language—fast, accurate, actionable.

  • Revenue reporting by Day 1 of the month

  • Cost reporting by Day 7 (or even Day 4)

  • Variance analysis and forecast updates

Executive Reporting

Know Your Numbers. Always

Build a plan that aligns the team and prepares for reality.

  • Map key drivers and how they impact each other.

  • Multiple scenarios for better decisions

  • Full integration of P&L, Balance Sheet, and Cash Flow

  • Conflict resolution before execution

Strategic Budgeting

Plan Smarter. Act United

Funding Strategy

Find the Best Money for Your Stage

From revenue-first strategies to grants and venture debt, we map available options.

  • Prioritize revenue as the cheapest funding

  • Explore grants, loans, leases, and equity

  • Clear roadmap for liquidity and cost of capital

Get in touch

Selected work

  • Logo of eIDeasy, featuring a black and gray hexagon with a circular design inside, and the text "eIDeasy" next to it.

    Scale‑up, international expansion

    • Tripled revenue in 15 months

    • Seed round completed

    • HQ relocation to Ireland

    • First audit and continuous accrual system established

  • FleetComplete logo with a stylized globe and three arrows in red, white, and blue

    Global scale‑up, systems and operational integration

    • Migration to Microsoft Dynamics 365 Finance & Operations

    • Operations across 6 countries and 8 legal entities

    • Integration of Ecofleet (Fleet Complete Nordics)

    • Redesign of Order‑to‑Cash, Procure‑to‑Pay, and Book‑to‑Report

    • Standardised compensation schemes and internal controls

    • Five‑day monthly close established

    • ~50% MRR increase without increasing Opex

    • Regional and global KPI framework

    • Legal entity restructuring

    • First Big5 audit of the group

  • GaltTec Fuel Cell Company logo with three vertical lines in a circle and company name.

    R&D‑heavy development stage

    • Designed a finance and reporting system handling multiple concurrent R&D projects

    • Prevented double‑counting by design

    • Embedded eligibility logic across differing funding and grant rules

  • Ecofleet logo

    Highly leveraged scale‑up, exit situation (Ambient Sound Investment portfolio company)

    • Refinancing and exit completed within 8 months

    • Sale to Fleet Complete

    • Comprehensive debt restructuring across working capital, inventory funding, leases, loans, and equity instruments

    • Resolution of over‑customised ERP inherited from earlier stage

    • Budgeting, cash‑flow forecasting, and automated consolidation

  • Fractory logo

    Industrial scale‑up, multi‑country growth

    • Built the finance function end‑to‑end: consolidation, reporting, controls

    • Automatic receivables factoring and credit‑limit approval system

    • Scaled from 17 to 120 people, later resized to ~70

    • Unqualified first‑time audit and first Big4 audit

    • Tripled revenue to 8 digits and doubled countries of operation

    • Full equity and debt fundraising process

    • US operations set up and scaled to six‑figure monthly revenue

    • Automated US sales tax reporting, payroll, and benefit administration

Testimonials

  • Uncertainty hasn’t gone away, but clarity helps me see options—and that’s already enough to sleep better.

    Glen Kelp

    Founder-CEO, GaltTec

  • A solid and practical grip on accounting principles gives me confidence that the financial accounts and financial model are in good order and can be relied on.

    Maoiliosa O'Culachain

    CEO, eID Easy

  • "Tibor demonstrated that he is capable of working through challenging situations."

    Tony Lourakis

    CEO, Fleet Complete

  • "3+ months of runway gained through working capital at a critical moment — improving our position with investors."

    Paul Pällin

    CTO, Miros

Network

(Trusted operators I work with when the work requires it.)

Accountants

  • Grete Holmberg

    reliable, disciplined execution
    Long‑term accountant to eID Easy before and during scale‑up phase. (Grow Finance OÜ)

  • Kristi Salumäe

    Kristi Salumäe

    meticulous, conceptually strong
    Handles GaltTec accounting; contributes to design and executes precisely.

  • https://getteroja.ee/

    Getter Oja

    agile, responsive, strong sparring partner

Analysts & Developers

  • Samuli Saarinen

    Samuli Saarinen

    AI‑native analyst and researcher
    Big‑data analytics, modelling, and research‑driven problem solving.

  • Sparkle Solutions

    Sparkle Solutions

    accounting‑to‑Power BI integrations
    Fast, professional analytical layers on top of existing systems.

  • A man with light brown hair and a beard, wearing a blue collared shirt, smiling in front of a light-colored background.

    Valentin Siltšenko

    full‑stack developer
    Lean design, rigorous business rules, careful about doing the right thing before delivering.

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