top of page
Most teams prepare documents. We maintain a governed truth system—traceable, versioned, and evidence-backed—so capital review is faster and safer.
What we do:
CFS uses financial architecture to make capital reviewable. We turn messy reality into a capital operating system: instrument choice, numbers that tie, risks surfaced, and controls that hold under scrutiny.
We make it legible to humans, not just models—without separating story from proof.
We don’t broker deals or provide legal/tax/accounting advice—we build the operating proof that lets capital move.
Who this is for:
-
Operators pursuing debt, grants, or strategic capital who need their reality to become review-ready.
-
Teams with viable economics but weak packaging: unclear controls, scattered documentation, or reporting that doesn’t tie.
-
Founders/Directors/CFOs who want institutional-grade rigor without hiring a full internal finance function yet.
Typical triggers
-
“We’re getting stalled in diligence / underwriting and can’t pinpoint why.”
-
“Our numbers don’t reconcile across deck, model, books, and bank activity—and reviewers are noticing.”
-
“We need compliance capacity we can prove (grant terms, covenants, reporting, approvals) before we take capital.”
Capital Based Products
We productize capital execution: clear choices, clean documentation, and controls that hold under review. Each package turns messy reality into an underwrite-able capital operating system—numbers that tie, risks surfaced, responsibilities assigned.
You leave with proof, not promises: stakeholder-ready language and materials—so that each packet is understood, not just correct.
One protocol, three routes:
Grant Financing
Grant Liability Shield (terms-to-operations compliance system)
Strategic Financing
Capital Stack Blueprint (instrument choice + sequencing + proof milestones)
Debt Financing
Loan Readiness (debt underwriting readiness system + DSCR stress + risk memo)
We make compliance operational and audits uneventful.
That means cleaner decision packets, fewer surprises in review, and execution you can prove.
Practice Focus
We design the operating and documentation layer that makes capital workable: governance that’s clear, processes that are auditable, and a capital operating system that holds under scrutiny. When specialist counsel is required, we integrate cleanly—so the system stays coherent end-to-end.
What we build:
-
Governance & operating controls (roles, approvals, evidence, audit trails)
-
Capital documentation systems (decision documents, risk memos, compliance capacity)
-
Structured implementation support (coordination with counsel and accounting as needed)
The CFS Rigor Advantage
Most teams assemble documents when they need capital. CFS installs a governed capital operating system—so your numbers, story, and proof stay aligned before, during, and after review.
What you can credibly say when your process has teeth?
Traceable truth (not “latest spreadsheet”)
We can point to the source-of-truth behind every material figure and claim, with clear lineage and ownership—so reviewers spend less time questioning provenance and more time underwriting.
One current version (no narrative drift)
Your narrative, models, and exhibits remain consistent. “Current” is unambiguous, prior versions are preserved, and decision materials are snapshotted exactly as presented.
Cadence over panic
Readiness becomes routine. Key ledgers update on a schedule with defined owners and minimum update standards—reducing last-minute scrambles and avoidable errors.
Controls you can prove
Policies aren’t enough. We design and wire the evidence trail so you can demonstrate that approvals, reconciliations, and reporting controls are actually executed.
Exceptions are managed, not hidden
When reality deviates, it’s documented, owned, and mitigated with checkpoints. This reduces surprises and increases reviewer confidence—because sophisticated reviewers assume exceptions exist; they want to see that you govern them.
Deliberate sharing (no accidental leakage)
Access is least-privilege and purpose-bound. Sensitive materials are shared intentionally, with clear scope and audit trail—reducing exposure risk and keeping diligence clean.
Reproducible submissions
We preserve exactly what was shared, when, and why—including sources and supporting evidence—so future renewals, audits, and follow-on capital are faster and defensible.
About us
Paul Baharet is Founder and Chief Architect of Contranomic Financial Systems.
He brings systems-level analysis across industrial finance, data work, and complex corporate architecture, and founded Contranomic to make capitalization strategies reviewable: the right instrument, a defensible decision document, and controls that hold under scrutiny.
Elizabeth Margiotta Baharet leads Creative & Narrative.
She designs trust-first brands and customer experiences for complex financial offerings—translating legal, data, and operational reality into clear messaging, UX, and campaigns across web, mobile, and in-branch channels.
Blog
bottom of page