Small and medium-sized enterprises (SMEs) form the backbone of the U.S. economy, employing nearly 50% of the private workforce. However, these businesses are increasingly vulnerable to financial instability, with nearly 38% citing cash flow mismanagement as the leading cause of failure. Amid rising operational costs, market volatility, and the complex regulatory environment, many SMEs struggle to maintain a sustainable financial footing.
Access to timely financial insights and expert advice remains a persistent challenge. For many businesses, internal financial expertise is either unavailable or insufficient to navigate issues such as debt restructuring, cash flow shortages, and long-term planning. The result is a significant number of enterprises at risk of stagnation or collapse, threatening not only individual companies but also broader economic stability.
It is this threat to U.S. businesses that animates Brazilian native Igor Leite de Carvalho. With his startup firm, Epoch Consulting LLC, Leite de Carvalho is now based in Florida set to launch operations to address these pressing challenges by offering a suite of services aimed at improving financial management for SMEs. The firm plans to deliver in-depth financial assessments, risk mitigation strategies, and cash flow management solutions tailored to the unique needs of each business.
At the core of its offerings is the Comprehensive Financial Assessment, which provides businesses with a detailed analysis of their current financial health. By identifying weak points in liquidity and spending, this service equips SMEs with actionable insights to stabilize operations and achieve long-term sustainability.
The firm also emphasizes Strategic Financial Planning, enabling businesses to develop forward-looking strategies that align financial resources with growth objectives. These plans are designed to mitigate risks associated with market fluctuations and position businesses to seize new opportunities.
“Small businesses often operate with limited resources, which makes effective financial management even more critical,” says Leite de Carvalho.
“Our goal is to provide these enterprises with the tools and guidance they need to remain resilient in the face of challenges,” he continued.
Indeed, as Leite de Carvalho sees it, debt is another common issue plaguing SMEs who often exacerbated by poor financing decisions or high-interest loans. EPOCH CONSULTING LLC plans to offer Debt Restructuring Services, helping businesses renegotiate loan terms and develop repayment strategies that alleviate financial strain. These efforts are coupled with Financial Modeling, which enables businesses to forecast outcomes and make data-driven decisions about investments and operational changes.
In addition, the consultancy will address broader challenges within the financial ecosystem, such as the labor shortage of skilled financial advisors. By fostering knowledge-sharing initiatives and offering workshops, Leite de Carvalho and his startup seek to build capacity both within its own in-house team and among its clients.
A Broader Economic Impact
The launch of EPOCH CONSULTING LLC comes at a crucial time. With the management consulting market expected to grow significantly in the coming years, firms like EPOCH CONSULTING LLC play an important role in driving economic resilience. By helping SMEs optimize their financial practices, the company contributes to job creation, business sustainability, and broader economic growth.
As the company prepares to begin operations, its mission to empower small businesses aligns with a growing demand for strategic financial solutions. Through targeted interventions and a commitment to long-term success, Leite de Carvalho aims to reshape how SMEs approach financial management in an increasingly competitive marketplace.