Matthew Sommers

About Matthew Sommers

I provide embedded finance and accounting support for consumer product brands across DTC, wholesale and retail, designed to support confident decision-making. WHEN TO REACH OUT:→ Your business is growing, the numbers are getting bigger and more complicated, and you do not fully trust the numbers you are looking at→ You are profitable on paper, but cash feels tighter than it should→ Inventory buys or hiring decisions carry more weight than they used to→ Your business needs a stronger financial foundation - systems, processes, and discipline - to keep scaling→ A lender or investor pushed back, and it\'s clear your accounting and finance function needs to level up WHAT I CAN PROVIDE:→ Hands-on CFO leadership to guide decisions, accelerate execution, and move your business forward→ 13-week cash planning that replaces guesswork with real visibility, so cash decisions are proactive→ Accurate books, timely closes, and disciplined accounting that everything else is built on→ Planning, budgeting, and analysis informed by experience, so founders know what to focus on, why it matters, and where to act→ Clear understanding of inventory economics, margins, and cash impact - so you can price confidently, plan buys thoughtfully, and avoid costly inventory mistakes BEST FIT:→ Growing consumer product brands navigating DTC and omnichannel complexity. You recognize it’s time to level up your accounting and finance functions with experienced leadership without hiring a full internal team.

Experience

1. Founder Partner Fractional CFO

   Solid Ratio

   Jan 2020 — Present

   Representative clients (past and present): Baseball Lifestyle 101 Shinesty Pepper Ten Little Cubby Beds Nulastin Youth Crews Rudi\'s Bakery Sheets & Giggles RovR Products Festive Gal

Education

• Indiana University - Kelley School of Business

  BS, Finance, International Business

  1997 — 2001

• Maastricht University School of Business and Economics

  Summer Overseas Study Program

Skills

• Variance Analysis
• Leadership
• Auditing
• Market Research
• Business Process
• Franchising
• Financial Analysis
• Cash Flow Forecasting
• Internal Controls
• Due Diligence
• Financial Modeling
• Income Statement
• Sales
• Strategy
• Purchasing
• Process Improvement
• Financial Reporting
• Forecasting
• New Business Development
• Team Building
• Management
• Strategic Financial Planning
• Strategic Planning
• Business Development
• Executive Management
• Sarbanes-Oxley Act
• Business Planning
• Operations Management
• Customer Service
• Competitive Analysis
• Contract Negotiation
• Start-Ups
• Supply Chain
• Accounting
• Budgets
• Finance
• Analytics
• Cross-Functional Team Leadership
• Profit
• Business Strategy