Financial Resources in Puerto Rico & U.S.

Healthy cash, a clear debt posture, and smart investments keep strategy moving.


Sinfonica’s fractional model clarifies how money flows through your business and how it funds the choices you make. We focus on cash generation, working capital optimization, capital allocation strategy, and routines that protect liquidity while growing value.



The result is momentum you can see on the calendar and on the P&L.

Financial Resources Definition and Scope


This pillar explains financial resources: cash generation, working capital optimization, capital allocation strategy, ROIC vs WACC, and liquidity management. It links finance to your operating rhythm and SMART goals.


Working Capital (DSO, DPO, Inventory Turns)

  • Identify owners and targets for DSO, DPO, and inventory turns
  • Reduce the cash conversion cycle with weekly routines


Capital Allocation & ROIC

  • Set gates so ROIC exceeds cost of capital
  • Balance growth bets, maintenance, and risk buffers

Bring Discipline to Everyday Decisions


Finance is a daily habit, not a quarterly review. We install guardrails that keep choices aligned with your financial reality.

  • Clarity: what funds growth, what does not
  • Flow: working‑capital routines that release cash
  • Control: KPI ownership and action thresholds

Planning & Forecasting

Move Your Business Forward with Outsourced Financial Resources Support


Work with a fractional team that treats finance as the operating system for execution.

  • Cash generation plan tied to DSO, DPO, and inventory turns
  • Debt and liquidity posture with simple rules and buffers
  • Capital allocation criteria that lift ROIC over cost of capital
  • SMART financial goals by quarter with owners and review rhythm
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Trusted by Leadership Teams Across Puerto Rico


We partner with mid‑sized and large organizations that expect accountable execution, not slide libraries.


Our clients operate in complex markets and need financial discipline that holds under pressure.



Industries: Financial services, Healthcare, Manufacturing, Technology and SaaS, Consumer services, B2B services

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Pricing & Revenue

Problems We Solve

Liquidity is unpredictable

Cash swings create delays, missed opportunities, and stress across teams.

  • Forecasts miss collections
  • No owners for working capital
  • Spend not tied to thresholds
  • Sales and procurement terms conflict

Capital is invested without clear rules

Projects get funded by persuasion instead of evidence and simple gates.

  • No portfolio view of bets
  • ROIC vs WACC ignored
  • Covenants and buffers overlooked
  • Reviews too late to adjust

Fractional strategy leadership embedded with your team. We translate goals into specific moves, assign owners, and keep the operating cadence until the new rhythm sticks.

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Cost & Operational Efficiency

Our Approach to Financial Resources



Diagnose the friction

We baseline cash generation, working‑capital drivers, debt and liquidity posture, and current investment rules. We interview teams and review customer and vendor terms to surface quick wins and deeper issues.


Outcome: visibility into cash, leverage, and near‑term wins.


Design the flow

We define working‑capital plays, debt and liquidity rules, and a capital allocation model with gates, roles, and thresholds. We translate them into simple dashboards and meeting agendas.


Outcome: clear rules, owners, and dashboards teams use.


Sustain the change

We install scorecards, ownership, and a review rhythm so cash, debt, and investments stay aligned as conditions shift.


Outcome: discipline that holds under pressure.


Operating Model vs Org Structure

Org structure shows boxes. Operating model shows how choices, meetings, and metrics flow. We align both so financial resources guide the work: who decides, what gets measured, and how teams hand off across the value chain.

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Working Capital & Cash

Why Companies Choose Sinfonica

Fractional Expertise, Full Commitment

You get senior operators who have managed liquidity, debt, and capital programs in competitive markets. We plug in fast and bring focus without overhead.


Execution That Sticks

We anchor financial discipline to rituals, tools, and dashboards your teams already use. The goal is consistency under pressure.


Human‑Centered Efficiency

We respect context, culture, and constraints. The work fits your teams, not the other way around.

Corporate Finance & Governance

Measurable Impact

  • More cash from working‑capital routines that hold
  • Clear leverage and liquidity rules that reduce risk
  • Better ROIC through simple capital gates
  • Fewer surprises in forecasts and covenants
  • Faster approvals for high‑confidence investments


Who We Work With

We work with CEOs, CFOs, COOs, and finance leaders across Puerto Rico and the U.S.



If your organization needs steady cash, clear rules, and a funded plan, we will be a fit.

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FAQs

  • How is Sinfonica different from traditional consultants?

    Sinfonica treats strategy as an ongoing function, not a one‑time project. We engage continuously, guiding leaders through real implementation, new mindsets, and conversations that drive change. 


    Our Financial Resources Pillar means we design the finance system and coach leaders to run it: working‑capital routines that release cash, a clear debt and liquidity posture, and capital‑allocation gates tied to ROIC and the operating rhythm.

  • What do you mean by financial resources?

    Cash generation, debt and liquidity posture, and investment capacity. We focus on the rules and routines that keep these aligned with strategy.

  • Do you work on‑site in Puerto Rico and the U.S.?

    Yes. We serve clients across Puerto Rico and the mainland U.S. We work in person when it drives alignment and speed, and remotely when it keeps teams focused.

  • What does a typical engagement include?

    Working‑capital audit and plan, debt and liquidity rules, a capital allocation model with simple gates, SMART goals by quarter, dashboards, and an operating cadence with reviews.

  • How do you measure success?

    We agree on leading and lagging indicators at the start. Typical metrics include cash conversion cycle, collections predictability, leverage and liquidity ratios, ROIC vs cost of capital, and adoption of routines.

  • How soon will we see results?

    Early wins usually come from working‑capital plays as owners and routines take hold. Broader results follow as the capital model and review rhythm mature. Timelines vary by complexity and adoption.

  • What are SMART financial goals?

    Specific, Measurable, Achievable, Relevant, and Time‑bound goals that fund strategy and guide weekly decisions. We assign owners, thresholds, and review dates so goals drive action.

Let’s Set Your Rhythm

Clarity beats noise. If you are ready to strengthen cash, set clear rules, and fund better bets, we are ready to help.