Revenue is scaling.
Margin is hiding.
E-commerce brands grow revenue quickly while quietly losing cash. Between landed COGS, inventory timing, and multi-channel complexity, profit hides in the operational details. We install a financial operating system that connects your top line to real profitability.
Book Your Scale-Ready Assessment
Free diagnostic for e-commerce & DTC brands doing $1M–$20M in revenue.
E-Commerce Dashboard Last 12mo AOV TREND $67 Jan Apr Jul Oct Dec CONV. RATE 2.8% ROAS 3.4x TRUE COGS 50% ! Monthly revenue: $1.2M | Margin gap: 18pts
Revenue vs Profit MarginLast 12 months
Revenue Profit Margin
JanMarMayJulSepNov
Revenue growth+82%
Profit margin−6pts
COGS gap18pts
The Problem
Bennett Financials
Build the financial clarity to scale with confidence.
Free Scale-Ready Assessment — see how your business scores on the 60/15/15 standard.Book yours →
E-Commerce & DTC
Revenue keeps climbing.
So why is margin shrinking?
Your Shopify dashboard shows revenue growing. But your bank account tells a different story. Landed COGS includes product cost, freight, duties, and warehousing — and most of it isn’t tracked accurately. Inventory ties up cash for months. Ad spend scales faster than contribution margin. Your top-line growth is masking a profitability problem that gets worse with every order. That’s not a growth problem — it’s the same visibility problem we fix in every service business.
The 60/15/15 Standard
We diagnose in order. COGS, S&M, then G&A.
60% gross margin. 15% sales & marketing. 15% overhead. That leaves 30% operating profit. Here’s how we get your e-commerce brand there.
Landed COGS Breakdown
Product
32%
Freight
8%
Fulfillment
10%
True COGS: 50% (not 32%)18pt gap
Step 1 — COGS
Landed COGS & True Gross Margin
In e-commerce, COGS is product cost, freight, duties, warehousing, and fulfillment. Most brands only track product cost — hiding 15–20 points of margin erosion. We reconcile every cost component so you know your real gross margin by SKU, category, and channel.
Landed COGS tracking (product + freight + duties + warehousing)
Gross margin by SKU, category, and channel
Fulfillment cost per order analysis
Ad Spend & Unit Economics
Meta Ads ROAS3.4x
Google Ads ROAS2.1x
Influencer/UGC1.2x
Blended CAC payback: 4.2mo (target: 3)Action needed
Step 2 — S&M
Know your cost to acquire — by channel.
Target: 15% of revenue on sales and marketing. Most e-commerce brands spend 25–40% because ROAS is tracked at the platform level, not the P&L level. We break down CAC, ROAS, and LTV by channel, cohort, and campaign — so you stop funding channels that don’t pay back.
ROAS and CAC by channel (Meta, Google, influencer, organic)
CAC payback period and LTV/CAC by acquisition source
Contribution margin by channel (DTC, Amazon, wholesale)
Inventory & Working Capital
Current DIO84 days
Target DIO45 days
Cash trapped$320K
Free up working capital**$180K**
Step 3 — G&A
Inventory, warehouse ops, and overhead that survives scrutiny.
Target: 15% of revenue on G&A. E-commerce overhead is warehouse rent, 3PL fees, software stack, and admin headcount nobody audits. We model your cash conversion cycle and inventory turns — so you know exactly how much working capital is trapped and how to free it.
Days Inventory Outstanding (DIO) tracking and optimization
Cash conversion cycle and reorder point modeling
3PL and warehouse cost benchmarking
Tax & Entity Strategy
Sales tax nexus mapped (14 states)
Inventory valuation optimized (FIFO)
S-Corp / LLC structure reviewed
Estimated tax savings**$58K/yr**
Deployed Alongside
Tax & entity structure for multi-channel e-commerce.
E-commerce creates unique tax complexity. Multi-state nexus from inventory storage, marketplace facilitation, and economic thresholds. We map your exposure, optimize your entity structure, and turn improved unit economics into real after‑tax wealth.
Sales tax nexus analysis and compliance
Inventory valuation method optimization (FIFO, weighted avg)
Entity structure for multi-channel operations
Case Studies
Don’t just take our word for it.
Eden Data
“We grew from zero to $300K MRR with Arron’s leadership.”
Taylor Hersom Chairman, Eden Data
VirtualCounsel
“A team we can rely on, with rapid-fire responses and consistent support.”
Daniel Goodrich CEO & Founder, VirtualCounsel
RHFL
“He brings creative ideas and valuable insights that have transformed our business.”
Daniel Passarelli Co-Founder, RHFL
NuSpine
“Strategic finance helped us scale, exit, and reinvest with confidence.”
NuSpine Chiropractic Healthcare & Franchise
Veterans Fleet
“Bennett Financials gave us the financial clarity we needed to grow.”
Veterans Fleet Management Fleet Services
Chimney Scientists
“A complete tax transformation that changed how we run our business.”
Chimney Scientist Home Services
Optmyzr
“Saved $185K+ in taxes while scaling global operations.”
Optmyzr SaaS & Ad Tech
Motiv Marketing
“Eliminated $402K in tax liability — and got a refund.”
Motiv Marketing Marketing Agency
How It Works
From first call to deployed system.
1
30-Minute Assessment Call
We discuss your current state, your goals, and whether we’re the right fit. No pitch deck — just an honest conversation.
2
Scale-Ready Assessment
We stress-test your books, margins, cash position, tax strategy, and operational dependency. You get a Scale-Ready Report with green/yellow/red scoring and the top blockers prioritized.
3
System Installation
Full financial operating system: clean books, engineered margins, deployed tax strategy, live dashboard, and monthly CFO cadence. Typical deployment: 90 days.
Results
The system works. Here’s what it looks like.
90 days
Time to full financial system deployment.
$402K
Tax liability eliminated through entity restructuring and strategic planning.
$96.2M
Revenue under management.
Sound Familiar?
Three signals your e-commerce brand has a margin problem.
If any of these hit home, the 60/15/15 diagnostic will show you exactly where the leak is and how to fix it.
Revenue is up 80% but your bank account barely moved.
Shopify says $1.2M/month. Your P&L says 32% COGS. But when you add freight, duties, warehousing, and fulfillment, your true COGS is 50%. That 18-point gap is the difference between a profitable brand and one that’s scaling its way into a cash crunch.
Your ROAS looks great in-platform but you can’t see true contribution margin.
Meta says 3.4x ROAS. Google says 2.1x. But your blended CAC payback is 4.2 months and your influencer channel is underwater at 1.2x. Without P&L-level attribution, you’re scaling ad spend into channels that destroy margin.
Inventory keeps tying up cash and you can’t predict reorder timing.
You have $320K sitting in inventory with an 84-day DIO. Half your SKUs are overstocked, some are out of stock, and nobody has modeled the reorder points. Every PO is a guess — and every wrong guess costs you either lost sales or dead capital.
Free for e-commerce & DTC brands doing $1M–$20M in revenue.
Get Started
Stop making decisions on gut feel.
The Scale-Ready Assessment shows you exactly where your business stands — profitability scorecard, margin reconciliation, and a clear picture of what to fix first.
Book Your Scale-Ready Assessment
Free for e-commerce & DTC brands doing $1M–$20M in revenue.
Ready when you are
Get clear on the next financial move for your business.
Book a no-pressure conversation with the Bennett Financials team.