The corporate physician · for businesses without a CFO

Finance, in a language every owner can speak

An AI physician reads your books, names the one thing, and hands you the ranked moves — computed from your numbers, never guessed. Yours to keep. Free to start.

25
Signs · across five families
10
Out of 10 · Health Score
5
Playbooks · The discipline
90
Day plan · ranked, in order
Problem

Most businesses die of curable conditions.

They fail not from a single catastrophe, but from small problems left undiagnosed.
And the healthy ones? They leave growth on the table — for the same reason.

No vital signs

They fly blind

Founders run on a bank balance and gut feel — no structured read on cash, margin, working capital or risk.

No access

Advisory is out of reach

Big consulting’s economics only work at the enterprise tier. The middle market is structurally abandoned.

No translation

Finance is a foreign language

The owner who built the product was never taught to read what the numbers are actually saying.

No truth

Nobody tells them the hard thing

Accountants record the past; software dashboards data. Neither delivers a judgment — or a prescription.

And beneath all four, the one that decides the rest: a business doesn’t have a cash problem — it has a priority problem.

There’s never a shortage of things to fix — or, when you’re winning, to chase — only a shortage of a way to choose between them. Installing that way to choose, and proving it in the numbers, is the work.

The read

This is what the machine hands back.

One example read: a score, the five families behind it, the root cause, and the moves that matter — the same chart every business gets.

Crotonville · The Read
EXAMPLE · FY READ
0.0/10
Health Score
● Fragile

Fragile, not failing. There's a 30–90 day window to turn it — and the cause is fixable.

CriticalFragileAt riskHealthyRobust
Five familiesweighted into one Health Score
Cash rhythm
Liquidity
3.2/10
Margin pulse
Profitability
5.9/10
Operating tone
Efficiency
4.4/10
Capital posture
Leverage
4.8/10
Growth pressure
Growth
5.2/10
Five families, twenty-five signs in full. Your read scores every one against your peer group — that’s the RM 1,000.
Root cause

It isn't sales. It's the cash cycle.Working capital is absorbing 61 days of cash — collections run three weeks behind payments. Every ringgit of growth deepens the hole. Profitable on paper, starving in the bank.

The plan · in order
1Pull collections forward. 30-day terms, deposits on large orders, weekly aged-receivables review.
2Stretch the right payables. Re-time supplier terms to match — close the three-week gap.
3Gate growth on cash, not orders. No commitment that lengthens the cycle until it's under 40 days.
Reading the score

One number. Five different conversations.

Each band names what kind of medicine the business needs — from “maintain the rhythm” to “refer out.”

BandRangePrescription
Robust
9.0 – 10Maintain the rhythm.
Healthy
7.0 – 8.9Polish, not rewrite.
At risk
5.0 – 6.9The Operating System is the treatment.
Fragile
3.0 – 4.930–90 day surgical window.
Critical
0 – 2.9Refer out — turnaround, insolvency, or wind down.
First, do no harm. Sometimes the bravest prescription is to refer out — or to close with dignity.
This is an example. Your read is built from your own books. Get your read — RM 1,000
How it works

Books in. A plan out.

01

Connect

Your books come in.

02

Read

Computed, not generated — a deterministic engine writes the score and the cause; the model only translates.

03

Score

Your Health Score and band, set. Where a number can’t be computed, it reads NO DATA — never a guess.

04

Deliver

Your plan reaches you — RM 1,000.

05

In the OS, a physician attends

Named, and accountable for the outcome.

Engagement

Clear fees. Priced by size.

Three acts, one ladder — Watch for free, Diagnose for RM 1,000, then run on the Operating System. The Operating System is priced like a finance hire, never a slice of revenue — about one Malaysian finance manager (~RM 8,300/mo), except it’s a full finance function with accountable judgment, and it never quits. The RM 1,000 is your full diagnosis — your Health Score, the single root cause and a ranked 90-day plan, delivered as a report you keep and credited in full when you continue. Want a human to walk you through it first? An optional RM 2,000 session sits beside it — your diagnosis is yours to export; the prescription runs in the OS.

Watch · free forever
Monitor
Free · always
Machine · no human · no verdict
Your vital signs, trends and red/amber/green flags against your peer band, with alerts. A smoke alarm — kept deliberately thin. It shows that something is off. No score, no cause, no verdict. Your data is encrypted and never sold.
  • Vital-sign gauges & trends
  • RAG flags, alerts & peer band
  • No score · no cause · no human
Diagnose · your full read
Diagnostic
RM 1,000
Your full diagnosis — score, cause, and the fix
Connect your full books and get your complete read — all 25 vital signs scored, your Health Score and band, the root cause named, and a ranked prescription. A physician attends in the Operating System.
  • Full statements read & reconciled — P&L · balance sheet · cash flow
  • All 25 vital signs scored · Health Score + band
  • Root cause named · ranked prescription
  • Score, band & cause — yours to export; the fix runs in the OS
Rolls forward The RM 1,000 is credited in full into the Operating System when you continue.
Optional · RM 2,000 Want a human to walk you through it? A physician talks you through your read and pressure-tests the plan. Credited in full into the Operating System on starting; a physician attends only there.

The Operating System — priced by size and complexity.

Billed annually. The managed rate moves on four levers — revenue band, entities, jurisdictions, market. Run it yourself is the platform alone — from RM 7,000 / month + RM 20,000 setup, same four levers; managed adds a named physician for a flat RM 3,000 / month. Industry sets the benchmark, not the price.
01 · Revenue · base rate
Monthly rate · billed annually
Up to RM 10M
RM 10,000 / month
RM 10M – 50M
RM 20,000 / month
RM 50M – 200M
RM 40,000 / month
RM 200M – 500M
RM 80,000 / month
RM 500M+
from RM 100,000 / month

02 · Legal-entity complexity — multiplier on the base rate.

The diagnosis scales with entity count — books, closes, intercompany, transfer pricing, board work. One Sdn Bhd is not the same as ten.
Group structure
Multiplier
What it covers
1 – 3 entitiesSimple
× 1
Single Sdn Bhd, or a holding co with up to two operating subs. One consolidated read.
4 – 7 entitiesGroup
× 1.5
Holding co with operating subs, possibly a property holding co or offshore IP entity. Intercompany matters, multiple boards.
8 – 10 entitiesComplex
× 2
Multi-segment group. Several operating subs, intercompany at volume, multiple boards and closes to consolidate.
Above 10 entitiesConglomerate / Enterprise
On application
Past the point a band can price honestly — many entities, heavy intercompany and transfer pricing, a full board calendar. We scope and quote, entity by entity.
Final fee = base rate × entities × jurisdictions × market, in your currency, agreed in writing before any work begins. Past 10 entities or 15 jurisdictions → Enterprise, on application. Specialist work is referred to the vetted network and billed by them. Run-it-yourself is for Healthy & Robust; Fragile or Critical start managed — first, do no harm.
Build your price

Pick the levers. The price builds live.

The ongoing retainer, billed annually. Set your revenue band, structure, market and footprint — the monthly figure assembles in front of you. Use the toggle to switch between we run it and you run it. Illustrative; every engagement is named in writing before any work begins.

sets the base rate
complexity multiplier
currency + market
countries operated in
benchmark, not price
Operating System · per month
RM 10,000
billed annually
Annual contract value
RM 120,000
How it builds
Base
× entities
× jurisdictions
× market
+ physician · named, accountable
Monthly
Operating System · Enterprise
Priced on application
scoped, not banded
Illustrative working model. Base rates in RM; entities and jurisdictions stack as multipliers; the country market index sets the rate and your local currency is the display. Past 10 entities or 15 jurisdictions we switch to Enterprise — scoped and quoted. The final fee is always named in writing before any work begins.
Why you can trust the number

Independent. Encrypted. Accountable.

Your data

Read-only. Encrypted. Never sold.

You connect your books over an encrypted, read-only link. We read the numbers to score them — we never move your money, and we never sell or share your data.

The score

It can’t be bought.

The independent Score sits behind a wall. No bank, no buyer, no advertiser can pay for a better number. First, do no harm — the score is honest, or it is worthless.

The people

A human owns the outcome.

Built and overseen by operators who have run the P&L, not just advised it. On the Operating System, a named physician is accountable for whether your number actually moves.

A recent read
4.27.2

A Klang Valley distributor came in at 4.2 — Fragile. The chart said the problem wasn’t sales; it was a 67-day cash cycle. Six months on the Operating System: 7.2 — Healthy.

The method

A doctor reads the chart before writing the prescription.

Symptoms first. Vitals next. History third. Diagnosis only when the chart is read. The sequence is non-negotiable. This is the discipline of the Corporate Physician — the engine behind the system, never the product.

The diagnostic instinct

What you say. What the chart shows.

Patients name the complaint. The chart names the cause. They are rarely the same.

What the business says · the symptom
What the chart shows · the cause
We need more revenue.
Receivables, not revenue
AR days crept from 45 to 78. Cash is trapped, not missing.
Margins are shrinking.
One client subsidising three
Three product lines bleed. One masks it. Portfolio decision, not a price rise.
We need to raise capital.
Not yet investable
Numbers tell a story investors won't fund. Clean up first. Governance, reporting, then capital.
Case in point · recent diagnostic
In a very tight cash-flow problem.
— a client, retail group, Malaysia
↓ The chart said otherwise
Not a cash-flow problem. A margin and cost-base problem — expressed as a cash-flow symptom. Cost base broke from the business; pricing reset without margin recovery; capital structure can no longer carry it. Three different prescriptions, three different outcomes — chosen only after the chart was read.
The discipline

The five playbooks are the difference between a business that compounds and one that drifts.

Disciplined companies run on a fixed annual rhythm. The rest improvise. We've codified the rhythm — and brought it within reach of every serious business.

SPB
Strategy Playbook
Where to play. What to bet on. What to cut. The strategy blueprint — 3, 5 or 10 years — that decides where capital and attention go.
Owner
CEO
Cycle
Annual · July
Output
3/5/10-yr roadmap
OPB
Operating Playbook
Strategy translated into numbers and accountability. Targets, actions, measures. The year committed in writing.
Owner
CFO
Cycle
Annual build · Nov · monthly
Output
Operating plan
RPB
Resource Playbook
Talent, succession, capability. The single biggest determinant of execution.
Owner
CHRO
Cycle
Annual · May
Output
9-box & plan
GPB
Governance Playbook
Board, controls, risk, compliance. What makes a company investable, financeable, and saleable.
Owner
CFO + Compliance
Cycle
Annual · June
Output
Board pack
EPB
Execution Playbook
Variance debated. Misses re-litigated. Learnings recorded. The cycle that repeats every quarter — E1, E2, E3, E4 — and compounds.
Owner
Founder + CFO
Cycle
Quarterly · E1–E4
Output
Quarter close
What fails without the discipline

Five playbooks. Five ways businesses quietly fail without them.

SPB
Without the Strategy Playbook the business has no shared direction — energy is spent, revenue isn't, and the market moves past you.
OPB
Without the Operating Playbook the business runs on optimism — no plan to miss, so variance is a surprise, not a conversation.
RPB
Without the Resource Playbook key people leave before anyone notices — talent decisions get made in crisis, not in plan.
GPB
Without the Governance Playbook one preventable mistake erases ten years of work — and the board hears about it too late.
EPB
Without the Execution Playbook the same misses repeat — decisions re-litigated every quarter, nothing written down.
The annual physical for a business Even healthy patients come in once a year — to catch the silent things early. The five playbooks exist for the same reason. Disciplined businesses run the cycle even in good years, because that is what makes the good years compound.
The specialist bridge

We diagnose. Specialists fulfil.

The physician doesn't run the pharmacy. The work goes to vetted specialists in three families — professional advisors, capital, operations partners. Retained by you, billed by them.

01 · Legal
The counsel.
Corporate & commercial · M&A · litigation · employment · IP · regulatory · cross-border.
02 · Accounting & Audit
The books.
External audit · statutory · internal audit · accounting policy · IFRS / MFRS conversions.
03 · Tax
The optimisation.
Corporate tax · transfer pricing · GST / SST · transaction tax · personal & family.
04 · Insurance & Risk
The cover.
Corporate insurance · D&O · cyber · trade credit · keyperson · enterprise risk consulting.
05 · Corporate Finance
The transaction.
Buy-side / sell-side M&A · debt advisory · valuations · fairness opinions · structuring.
06 · Equity Capital
The shareholders.
IPO / ECM · listed M&A · placements · rights issues · private placements · sukuk equity.
07 · Debt Capital
The lenders.
Banks · non-bank lenders · private credit · direct lending · mezzanine · project finance · bonds / sukuk.
08 · Private Capital Partners
The partners.
Venture capital · growth equity · private equity · family-office allocators · regional funds · independent directors who come with them.
09 · Treasury & Banking
The liquidity.
Cash management · FX hedging · trade finance · working capital facilities · banking relationships.
10 · Systems & ERP
The plumbing.
SAP · Oracle · NetSuite · Microsoft Dynamics · Xero · QuickBooks · implementation partners.
11 · Outsourcing & BPO
The back office.
Finance & accounting · payroll · HR ops · procurement · IT-managed services.
12 · Wealth & Family
The household.
Family office set-up · estate & succession · trust structures · governance constitution.
First, do no harm — a note on what this is, and what it isn't

This is not consulting. There is no magic pill.

We are not selling a quick fix. Crotonville.AI is a financial health centre, not a consultant — the discipline of durable companies — business acumen applied to a written operating rhythm, over and over, until the chart moves. We sequence over speed, we don't sell the medicine, and we don't take the wheel — we install the discipline that lets you run the business better, and hold you to it. Results compound. They don't arrive.

The model changes. The plan changes. The numbers change. That is not failure. That is the work. The Score moves quarter by quarter. The relationship deepens year by year. There is no silver bullet — only the repetition of the discipline.

Start a conversation

Start free. The verdict is RM 1,000.

Start with the free Monitor, or go straight to your read. Two ways in below.

The conversation starts here.

Reach out by email or LinkedIn — we’ll get you started.

What happens next

Four steps. Start free.
  1. You reach out — email or LinkedIn. We read it personally, same day.
  2. We get you onto Monitor, free. Connect bank + accounting over an encrypted, read-only link — we never move your money or sell your data. Your vital signs go live. No commitment.
  3. For the verdict, run the RM 1,000 Diagnostic — your full books in; your Health Score, the cause and the fix out.
  4. Continue into the Operating System and the RM 1,000 is credited in full — that’s where a physician attends — named, accountable for the outcome.
For advisors

We are not hiring consultants. We are manufacturing physicians.

We take senior operators — 15+ years in the C-suite with full P&L ownership — certify them to one method across four gates and a graded case, and back them with the platform. The credential is renewed yearly and can be lost. If you have run the chair, not just advised it, we should talk →