Independent business advisory
Find profit in every payment.
That gut feeling you’re leaving money on the table? Trust it. Between your bank, your cards, your vendors, and your tax bill, you might be doing 75% of what’s possible. We show you what 100% looks like, with no single product to push.
ClearView helps small and mid-sized businesses keep more of what they earn through Spend Optimization, Tax Optimization, and Strategic Sourcing.
Illustrative planning example
| Qualifying monthly vendor spend | $500,000 |
| Planning rebate assumption | × 2% |
| Card rebate value | $10,000 |
| Preventive Health Plan100 W-2 employees, 75% participating | $4,063 |
| Potential monthly value | $14,063 |
A modeled example, not a client result. Rebates use a common 2% planning assumption and depend on the program, issuer, fees, and eligibility. The health plan line assumes 75% of 100 W-2 employees participate at an average of $650 per participating employee per year.
The overlooked part of the P&L
You already spend the money. Most of it earns nothing back.
Vendors get paid by check, ACH, or wire because that’s how it’s always been done. Supplier contracts renew on autopilot. Benefits go underused while payroll costs keep climbing.
Even payroll can work harder. Most owners are surprised to learn they can fund payroll with a business credit card, earning rebates on one of their biggest expenses and stretching the float on that cash before the bill is due.
None of it looks broken, so nobody looks at it. That’s usually right where we find the opportunity.
The ClearView Transformation System
Three pillars. One connected system.
ClearView exists because something was missing. Your bank pitches its products. Your card rep pitches theirs. So do your processor, your benefits broker, and your suppliers. Nobody brings it all together, because nobody has a reason to. We do. Our success depends on your long-term success, so we treat spending, taxes, and sourcing as one connected system and build you a playbook you can use for years.
You don’t need an opportunity in every pillar. One strong one is enough to start.
Pillar 1
Spend Optimization
Make the money you already spend work harder.
- Vendor payment and card strategy
- Rebates, float, and payment timing
- AP, invoice, and expense workflow
- Merchant-processing review
Pillar 2
Tax Optimization
Find legitimate ways to keep more of what you earn.
- Tax treatment of rebates, rewards, and interchange fees
- FICA savings through a Preventive Health Plan
- The Augusta Rule
- Coordinated with the right professionals
Pillar 3
Strategic Sourcing
Pay less for the things you already buy.
- Water, electricity, and merchant processing
- Vendor and supplier pricing
- Contract terms and renewal timing
How we work
Strategy first. Product second.
We start with your business, not with something to sell you. Sometimes the right answer is a new provider. Sometimes it’s keeping the one you have. Sometimes it’s doing nothing at all.
Spend Opportunity Analysis
We look at how money moves through your business and where the real opportunities are.
Top 3 Strategic Actions
Together we pick the three actions most likely to matter, based on your numbers and your team’s capacity.
Implementation support
We compare options, coordinate providers and advisors, and help keep the rollout moving.
Measure, then expand
We help document the value when real data supports it, then look at what’s next.
Why ClearView
You’ll understand why it works.
Most owners are experts in their own industry. Nobody ever sat them down and explained how banks make money, how rebates work, or how suppliers think about pricing. We do. You walk away with a sharper sense of how money moves through your business and better questions to ask next time.
- IndependentWe aren’t tied to one bank, product, or platform. The recommendation has to stand on your business case.
- Experience from the insideOur founders come from SAP Concur and Capital One, with years in procurement, payments, banking, and business credit.
- You stay in controlYour money, accounts, contracts, and decisions stay yours. We never hold or move client funds.
- Built to get doneA strategy you can’t implement isn’t worth much, so we stay with you through the rollout.
Who we help
Built for owners who like learning something new.
Our best clients get excited about three things: learning, boosting employee morale, and improving the bottom line. Revenue size doesn’t decide fit. Opportunity does.
25+ employees
Our standard starting point, and the minimum for our Preventive Health Plan.$300,000+
in monthly vendor spend can qualify a business for Spend Optimization on its own, at any headcount.1 strategic action
is all it takes. One strong opportunity can justify the relationship.Want to know what ClearView could be worth to you?
Run your own numbers in the ROI Calculator, or tell us a little about your business. We’ll tell you plainly whether we see an opportunity worth chasing.