Schofield Business Advising
Helping business owners, startups, and nonprofit leaders make clearer financial and strategic decisions.
I help leaders step back, organize the picture, and make better decisions around banking, cash flow, growth, financing, and strategy.After nearly two decades in banking and leadership, I bring a practical, understandable perspective to owners, founders, boards, and executive teams who want more clarity before the next important conversation.
I’m currently traveling on sabbatical and opening a limited number of advisory conversations as availability allows.
Important decisions are easier when the picture is clearer.
Most leaders don't struggle because of capability.They struggle because the financial picture gets complicated, the next step is unclear, or they are trying to make an important decision without a neutral outside perspective.That may be a lender conversation.
It may be a cash flow question.
It may be a growth decision.
It may be a board-level discussion.
It may simply be the need to slow down and see the situation more clearly.I help bring clarity to the decision before you move forward.
I help you get clear before the conversation.
Whether you are preparing for a lender, thinking through growth, leading a board discussion, or trying to understand the story behind the numbers, the goal is the same:Make the next step clearer.- What decision you are actually trying to make
- What a lender, board, or advisor may focus on
- What the numbers may be saying
- Where there may be gaps, risks, or unanswered questions
- What to prepare before the next conversation
- What next step makes the most senseThe goal is not to add complexity.
The goal is to make the path forward clearer.
Who I Work With
Business Owners
For owner-led businesses facing decisions around banking, financing, cash flow, growth, or long-term planning.
Startup Businesses & Founders
For founders who want practical perspective as they think through business model, early financing, banking setup, cash flow, and the next stage of growth.
Nonprofit Boards & Executive Teams
For boards, executive directors, and leadership teams that want clearer conversations around financial decisions, reserves, facilities, debt, growth, or sustainability.
Referral Partners
For bankers, CPAs, attorneys, consultants, and community partners who know an owner or organization that may benefit from a practical outside perspective.
Ways to Work Together
Every leader's situation is different. Some need a structured review before a financing request, renewal, expansion, real estate purchase, working capital conversation, or other important lender discussion. Others need a focused advisory session around one specific question, decision, or issue.The best place to start is with a conversation.
Focused Business Advisory
Advisory support for business owners, founders, nonprofit leaders, or executive teams who need experienced perspective on a specific question, decision, or situation.This may include cash flow, banking conversations, growth decisions, early-stage business questions, financial readiness, board discussions, or preparing for an important next step.Best for leaders who need targeted guidance without a full engagement.
Banking Readiness Review
A structured advisory review for business owners preparing for a financing request, renewal, expansion, real estate purchase, working capital conversation, or other important lender discussion.The review includes a short intake, review of your current banking or financing situation, an advisory session, lender-readiness observations, likely lender questions, practical next steps, and a written Banking Readiness Memo.Best for owners who want a clearer picture before approaching a lender or making a financing decision.
Board & Executive Advisory
Advisory sessions and facilitated conversations for nonprofit boards, executive directors, and leadership teams that want clearer discussion around financial decisions, banking relationships, reserves, facilities, debt, growth, or long-term planning.This work is designed to help leaders understand the financial picture, ask better questions, and make more confident decisions together.Best for boards and teams that need practical financial perspective without turning the conversation into accounting jargon.
Reach out if you’re preparing for a lender conversation, thinking through growth, working through cash flow questions, or trying to bring more clarity to a board or leadership discussion.
Start with a Brief Conversation
Every engagement begins with a brief conversation. We’ll talk through your situation, clarify what decision you’re facing, and determine whether Focused Business Advisory, a Banking Readiness Review, Board & Executive Advisory, or another next step makes the most sense.The process is simple:1. Schedule a 15-minute intro conversation.
2. After booking, complete a short pre-call form so I can come prepared.
3. We’ll talk through your situation and clarify the best next step.
4. If there is a good fit, we’ll confirm the right scope and advisory path.
About Tim
I’m Tim Schofield. I spent nearly two decades in banking, including commercial relationship management, lending, financial analysis, and business banking leadership.I’ve worked with owner-led businesses, reviewed financials, structured credit, supported lender conversations, led teams, and served in nonprofit board roles. That experience shaped how I help business owners, startup founders, nonprofit leaders, boards, and executive teams think more clearly about cash flow, financing, growth, banking relationships, and strategic decisions.I enjoy helping leaders prepare better, communicate more clearly, and make important business, banking, and financial decisions with less uncertainty.
Margin & Meaning
Margin & Meaning is where I share occasional thoughts on business, money, leadership, freedom, and building a more intentional next chapter.It includes reflections shaped by 20 years in banking, conversations with business owners, and my own transition toward a more flexible life beyond the traditional career path.No fixed schedule. No narrow lane. Just essays and observations when there is something worth sharing.
Ready to see your business more clearly before the next financial conversation?
Whether you are preparing for a lender conversation, thinking through growth, leading a board discussion, or trying to make sense of the next step, start with a brief conversation
Schofield Business Advising[email protected]Privacy PolicyAdvisory services only. Schofield Business Advising provides business advisory and educational support. Services do not include legal, tax, accounting, audit, investment advisory, securities, insurance, lending, loan brokerage, loan placement, fiduciary, or financial planning services. Clients remain responsible for their own business and financial decisions.
Privacy Policy
Effective Date: August 21, 2026
Schofield Business Advising is operated by TS Schofield Enterprises LLC (“Schofield Business Advising,” “we,” “us,” or “our”).We respect your privacy and are committed to handling personal information responsibly. This Privacy Policy explains what information we may collect, how we use it, when it may be shared, and the choices you may have regarding your information.This policy applies to information collected through timschofield.me, our contact and scheduling forms, communications with us, and our advisory services.## 1. Information We CollectWe may collect personal information that you voluntarily provide when you:* Submit a contact or inquiry form
* Request or schedule a consultation or meeting
* Contact us by email, phone, or another communication method
* Become a prospective client or client
* Provide information as part of an advisory engagementDepending on your interaction with us, this information may include:* Your name
* Email address
* Phone number
* Company or organization name
* Job title or role
* Information about your business
* Information about your business goals, banking relationships, financing needs, cash flow, operations, or other advisory topics
* Communications you send to us
* Any other information you choose to provideWe ask that you do not submit highly sensitive information such as passwords, Social Security numbers, full bank account numbers, credit card information, or other confidential credentials through a general website contact form.If sensitive information is needed as part of an advisory engagement, we may provide a more appropriate method for sharing it.## 2. Information Collected AutomaticallyWhen you visit our website, certain information may be collected automatically through cookies, analytics tools, and similar technologies.This information may include:* IP address
* Browser type
* Device type
* General geographic location
* Referring website or source
* Pages viewed
* Date and time of visits
* Interactions with the website
* Other general website usage informationWe may use third-party tools, including services such as HubSpot and Google Analytics, to help us understand website usage and improve our website and services.## 3. How We Use Your InformationWe use personal information for legitimate business purposes, including to:* Respond to inquiries
* Communicate with prospective and existing clients
* Schedule consultations and meetings
* Determine whether our services may be appropriate for your needs
* Prepare for consultations or advisory engagements
* Provide requested advisory services
* Manage client and prospective-client relationships
* Maintain business and communication records
* Follow up regarding a request you have made
* Improve our website, services, and client experience
* Understand how people find and use our website
* Protect our website, systems, and business from misuse or security threats
* Comply with applicable contractual, legal, tax, accounting, or regulatory obligationsInformation provided through a consultation or inquiry form is primarily used to respond to your request and manage our relationship with you.## 4. We Do Not Sell Your Personal InformationWe do not sell or rent your personal information.We do not provide personal information collected through our website, forms, or client relationships to third parties for those third parties' independent advertising or marketing purposes.The information you provide is used for Schofield Business Advising's legitimate business purposes, including communicating with you, responding to your requests, providing services, and operating our business.## 5. When Information May Be SharedAlthough we do not sell personal information, we may use trusted third-party service providers to help operate our business.These providers may process limited personal information on our behalf when necessary to provide their services.Examples may include providers used for:* Website hosting and website functionality
* Customer relationship management
* Contact and inquiry forms
* Appointment scheduling
* Email and business communications
* Video meetings
* Website analytics
* Accounting and invoicing
* Electronic signatures
* File storage
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* Information technology and securityThese providers may include services such as HubSpot, Carrd, Google, Microsoft, and other business technology providers we may use from time to time.We only provide service providers with information reasonably necessary for them to perform services on our behalf.These companies maintain their own privacy policies, terms, and security practices.We may also disclose information when reasonably necessary to:* Comply with applicable law, regulation, legal process, or governmental request
* Enforce an agreement or protect our legal rights
* Protect the safety, rights, or property of Schofield Business Advising, our clients, or others
* Detect or prevent fraud, misuse, security incidents, or illegal activity
* Complete a business restructuring, merger, sale, or transfer, if one were ever to occur## 6. Marketing CommunicationsSubmitting an inquiry, consultation request, or scheduling form does not automatically subscribe you to unrelated marketing communications.We may communicate with you regarding:* Your inquiry
* A scheduled meeting
* Services you requested
* An existing or prospective business relationship
* Necessary administrative or transactional mattersIf we offer optional newsletters or promotional communications, you may be provided with a separate opportunity to subscribe or consent.If you receive marketing communications from us, you may unsubscribe at any time using the unsubscribe option provided or by contacting us.## 7. Cookies and AnalyticsOur website may use cookies and similar technologies to help the website function and to understand how visitors use it.We may use these technologies to:* Measure website traffic
* Understand referral sources
* Determine which pages are visited
* Understand general visitor behavior
* Improve website performance and content
* Evaluate the effectiveness of our communications or marketing effortsThird-party services such as HubSpot and Google Analytics may place or access cookies in connection with these activities.You may be able to control or disable cookies through your browser settings. Disabling cookies may affect certain website functionality.## 8. How Long We Keep InformationWe retain personal information only for as long as reasonably necessary for the purposes for which it was collected or as otherwise required for legitimate business, contractual, legal, accounting, or regulatory purposes.The length of time we retain information may depend on factors such as:* Whether you become a client
* The nature of our communications
* Whether an advisory relationship exists
* Recordkeeping requirements
* Legal or contractual obligations
* The need to resolve potential disputesInformation that is no longer reasonably needed may be deleted, anonymized, or securely disposed of.## 9. Information SecurityWe use reasonable administrative, organizational, and technical measures designed to protect personal information against unauthorized access, loss, misuse, alteration, or disclosure.However, no website, electronic transmission, cloud platform, email system, or electronic storage method can be guaranteed to be completely secure.For that reason, please use appropriate caution when transmitting sensitive or confidential information electronically.## 10. Your Privacy ChoicesYou may contact us regarding personal information we maintain about you.Depending on the circumstances and applicable law, you may request that we:* Provide information about personal information we maintain about you
* Correct inaccurate information
* Update your contact information
* Delete personal information
* Stop certain communications
* Remove you from marketing communications
* Answer questions about how your information has been usedWe may need to retain certain information when reasonably necessary for contractual, legal, tax, accounting, regulatory, fraud-prevention, security, or legitimate business purposes.We may also need to verify your identity before responding to certain privacy requests.## 11. State Privacy RightsResidents of certain U.S. states may have additional rights regarding their personal information under applicable state privacy laws.Where those laws apply to Schofield Business Advising, we will honor applicable rights as required by law.As stated above, Schofield Business Advising does not sell or rent personal information.## 12. Third-Party Websites and ServicesOur website may contain links to third-party websites, platforms, scheduling tools, or other services.Once you leave our website or interact directly with a third-party service, that company's privacy policy and terms may apply.We are not responsible for the privacy practices, security, or content of third-party websites or services.## 13. Information About Other PeopleIf you provide personal information about another person in connection with an inquiry or advisory engagement, you are responsible for ensuring that you have an appropriate basis or permission to provide that information.## 14. Children's PrivacySchofield Business Advising provides business advisory services and is not directed toward children.We do not knowingly collect personal information from children under 13 through our website.If we learn that personal information from a child under 13 has been collected unintentionally, we will take reasonable steps to delete it.## 15. Changes to This Privacy PolicyWe may update this Privacy Policy periodically to reflect changes in our services, technology, business practices, or applicable requirements.When the policy is updated, the revised version will be posted on our website and the effective date at the top of the policy will be updated.We encourage you to review this policy periodically if you have questions about how information is handled.## 16. Contact UsIf you have questions about this Privacy Policy, how your information is handled, or would like to make a privacy-related request, please contact:Schofield Business Advising
Operated by TS Schofield Enterprises LLC
Website: timschofield.me
Email: [email protected]---Our privacy commitment: We collect information to communicate with prospective and existing clients, provide requested services, and operate our business. We do not sell or rent your personal information.