For owners & presidents of 10–200 person businesses

Request received Needed Friday
From Your bank, ahead of the facility renewal
Asking for Revenue and gross margin by project for the last three years, plus work in progress at each year end
Their view “Whatever you have already — it shouldn’t take long.”

It should have taken an afternoon.

It took eleven days. Two people came off their actual jobs to do it. Somebody built a spreadsheet from scratch, because there wasn’t one.

And when you finally sent it, you weren’t confident the number was right. You were out of time.

You’ve probably filed that under a bad fortnight. It wasn’t a bad fortnight. It was a preview.

What it takes to answer in an afternoon →

No sales process. Nothing to book. The pricing is on this page, a little further down.


You remember the eleven days more clearly than the request.

Roughly how it went, if it went like it usually goes:

Here is the part that matters. Nobody outside the business ever sees the eleven days. They see a PDF that turned up a little late and looked fine. Which is exactly why nothing changes afterwards — the cost was entirely yours, and it was invisible to the only person who could have made it a priority.

And it wasn’t a one-off

It isn’t bad luck. It’s a size.

Past a certain point, people outside your business start needing to see inside it. Not because something is wrong — because you now matter enough to be checked.

Every one of those arrives on somebody else’s schedule, with a date attached. You don’t get to pick the month. And each of them asks a question that runs straight across the boundary between the places your information lives — which is precisely the question you cannot answer quickly.

Why it’s hard, specifically

You have the data. You just can’t ask it anything.

Nothing was lost. Every invoice, every bill, every hour, every purchase order is written down somewhere. Your record-keeping isn’t the problem — you kept the records.

The problem is that they’re kept in four places that don’t share a vocabulary. The accounting file knows customers and invoices. The job sheet knows projects and costs. The stock list knows locations. And two or three people know the exceptions — why the March allocation was made that way, which jobs were restated, what that equipment charge is.

A question from outside almost always crosses all four. “Margin by project, by year, with work in progress” needs the accounting file and the job sheet and the exceptions, joined, consistently, for three years. There is no button for that. There is a person, a week, and a brand new spreadsheet.

And here is the bit that actually costs you: a number assembled by hand is a number you have to defend by hand. When the follow-up question comes — and it always comes, because one answer produces two more questions — you don’t adjust a filter. You do it again.

What changes

The same request, answered before lunch.

Not more discipline. Not a better spreadsheet. A different shape of system underneath, where the joins are recorded at the moment of the transaction rather than reconstructed three years later by somebody who has to guess.

Assembling it

Eleven days

  • The join between revenue and job cost is invented fresh each time.
  • Three versions exist and the difference has to be investigated.
  • The exceptions live in two people’s memories.
  • The year end you report is whatever the file says today, not what it said then.
  • A follow-up question means starting again.
  • You send it hoping nobody looks too closely.

Producing it

An afternoon

  • Project, department, location and entity are recorded on the transaction itself, so “by project, by year” is a filter.
  • Invoicing, costs, purchasing, stock and project accounting post into one ledger — there is no join to invent.
  • Periods close and lock behind an audit trail, so last year’s numbers are still last year’s numbers in March.
  • Who posted it, when, and against what is in the record rather than in a memory.
  • The follow-up question is a different filter, not a different fortnight.
  • It comes out into Excel live, in whatever cut they asked for.

That difference has a name that nobody uses in conversation. It’s the difference between having your numbers and being able to produce them.

What that system is

You’ve been near this before, and you said not this year.

The system on the right of that table is Microsoft Dynamics 365 Business Central. Microsoft builds it for companies your size. Finance, sales, purchasing, inventory and project accounting in one place, sitting inside the Outlook and Excel your team already has open.

You may well have been quoted for it, or for something like it. And what you were quoted was not really software. It was a project: a discovery phase, a configuration phase, a training phase, a go-live, and a timeline measured in quarters. You looked at the calendar, looked at what the business was actually doing that year, and decided to look at it again later.

Then the same thing happened the following year, and you were right both times. A business your size cannot stop for a quarter to install a filing system, however good the filing system is.

You were never turning down the software. You were turning down the two quarters in front of it.

What’s actually being offered here

Footing removed the project.

Footing is built by Clear Horizon Solutions Corp., a Microsoft partner that implements Business Central for a living. They looked at what they had been billing hourly for and admitted something most firms wouldn’t.

Most of it repeats. Chart of accounts. Dimensions and posting groups. User roles and permissions. Country, currency, tax and fiscal calendar. That work is skilled, and getting it wrong is expensive — and it is also close to identical from one contractor to the next. Work that repeats should be built once and run, not rediscovered and re-billed.

So they automated it and sold the result like software: a published setup fee, a published monthly, and the same Microsoft partner behind it for the parts that genuinely need judgement. Your Microsoft licences at Microsoft’s own list price, with nothing added on top.

Kickoff to running is ten to fourteen days. Not a shortened project. The configuration was already done.

See what it costs for your business →

The two weeks, in order

What you’d actually be agreeing to.

Footing publishes this timeline themselves. It is theirs, not my estimate of it.

If the question crosses more than one company

Most businesses this size aren’t one business on paper.

There’s the operating company and the one that holds the property. Or a second entity opened for a joint venture, a US or Canadian subsidiary, the one the equipment sits in, and the dormant one nobody has closed.

Day to day that’s fine. It becomes expensive the moment somebody outside asks for a consolidated figure — because consolidation is the single most common thing to be done once a year, by hand, in a workbook, and then defended line by line to somebody who does this professionally.

Footing prices multi-entity as published line items rather than as a conversation:

Multi-entity add-ons

Each additional entity $895
Group setup $1,295
Cross-entity setup $1,295
Multi-entity bundle $2,495
Entities supported up to 10

Those are the quote builder’s own line items and its own figures. Which of them applies depends on how your entities actually relate to one another, and the quote itemises that rather than leaving you to guess — so I’m not going to tell you which one you’ll need.

Set up once, at the beginning. After that the consolidated view comes out of the system instead of out of a spreadsheet somebody rebuilds each January.

The objection everyone raises third

“Our books are a mess.” That’s not the obstacle you think it is.

Almost nobody arrives clean. The migration is part of the setup fee, and it runs from QuickBooks Online and Desktop, Xero, Sage 50, Sage Intacct, NetSuite, FreshBooks, Wave, or plain Excel and CSV.

What travels with you:

  • Chart of accounts
  • Customers and vendors
  • Items and inventory
  • Open AR and AP
  • Opening balances
  • Bank accounts and prior reconciliations

Transaction-level history reaching back one to three years is priced separately rather than bundled — and if a lender or an auditor is the reason you’re reading this, that is the line to ask about on your quote, because it is the one that decides how far back you can answer questions from inside the system rather than from the old file.

Published, not proposed

What it costs, before you talk to anybody.

A monthly, and a one-time setup fee. That’s the whole structure. Here is what sits inside the monthly:

The monthly

Microsoft licence — full user
Anyone working in finance, sales or operations. At Microsoft’s list price, with no margin added.
$80 / user
Microsoft licence — team member
Viewing, approving, looking things up. A tenth of the price because they post nothing.
$8 / user
Footing platform & support
Standard — 1 to 3 full users
$139 / mo
Growth — 4 to 9 full users $199 / mo
Scale — 10 to 24 full users $249 / mo
Enterprise — 25 full users and up $279 / mo

The setup fee starts at $1,995 and steps up with the number of full users. It is paid once, at the beginning, and it covers the configuration and the migration. Footing’s published starting point for the smallest configuration is $219 a month with setup from $1,995.

Your own figure depends on seats and entities, and their quote builder itemises it in about ninety seconds. I’d rather you got the number from them than from me — a figure I calculate on a sales page is a figure that can disagree with the one they actually charge you, and that is not a surprise anybody needs.

Read this before the form

Three reasons not to do this.

  • The deadline is this week. If the bank wants it Friday, this does not save you. Ten to fourteen days is genuinely fast and it is still ten to fourteen days. Get through the current request the hard way, then come back — ideally before the next one has a date on it.
  • You only ever get asked one kind of question. If a single annual report to one lender is the whole of it, and it takes a couple of days, the arithmetic here doesn’t work in your favour. Be honest about frequency before you buy.
  • Nobody will own it. Someone has to sit through the kickoff and show up for the training hour. If the honest answer is that everyone is flat out and no one has an hour, that is worth fixing first, because it is the same shortage that produced the eleven days.

Straight answers

What you’d ask if you were on the phone.

Six questions, about a minute

Find out what it costs to be able to answer.

Answer these and the next screen is the builder itself — where entities and seats are the two dials that actually move the number. Nothing to pay, nobody to speak to, and no one ringing you afterwards to qualify you.

No card, no call. You’re on the builder itself in one click.