Who Kona is for — and who it isn’t
The best Kona clients arrive already knowing something is off. Their forecasts miss. Their FX losses feel higher than they should be. Their banks feel expensive but nobody has ever benchmarked the fees. If that’s you, this page will tell you whether we’re the right fit.
The right fit
Honest exclusions
We would rather turn away a client than take money for work we cannot do well. Kona is probably not right for you if:
At this size, a good bookkeeper and a well-built spreadsheet will do 80% of what Kona does. Come back when the complexity is real.
At this size, you are the buyer for the enterprise TMS vendors, not for Kona. We would not add enough marginal value to be worth your team’s time.
Kona reads and recommends. We do not execute payments, do not hold funds, do not provide brokerage or investment services. If you need a payment provider, an FX broker, or a fund administrator, we are not that. We are happy to recommend the right one.
We charge fixed fees. If your only appetite is a percentage-of-savings model, we are not the right advisor. Contingent-fee structures create incentives that hurt you in the long run.
The Kona Diagnostic runs for four weeks. If you have a crisis this week — a defaulted covenant, a bank freeze, an audit finding — you need a firefighter, not an advisor. We can recommend firefighters. Come back to us when the fire is out.
Composites
These are composites drawn from the profile of the mid-market CFOs the Kona diagnostic is built for. They are not current or past clients.
Suspected leakage
FX spread on inbound payments; forecast miss driven by seasonal patient flow.
Suspected leakage
correspondent banking fees on the NGN leg; economic exposure to naira devaluation that no one has ever modeled.
Suspected leakage
fragmented banking, no group-level cash visibility, forecast built in Excel and always late.
The Treasury Clarity Call exists exactly for this. Thirty minutes, no slides, no pitch. We walk through your setup and tell you honestly whether the diagnostic is a good use of your money. If it isn’t, we’ll say so.