The Three Certainties Quiz

Would your books survive a funder audit tomorrow?

Fifteen questions across the three things a growing nonprofit can never afford to guess about — cash, funders, and the audit. Instant score and your three biggest gaps, no call required to get them.

Take the quiz

Free. Three minutes. Built by the operator who runs these closes every month.

The three certainties

Three things every ED and CEO should be certain about.

The Three Certainties Quiz tells you exactly where your gaps are in each one.

Cash certainty

How much cash is in the bank? What is it actually for? How much of it can I spend on anything at all?

Funder certainty

What kind of grant did I just win? What are its rules? How do I actually get the money?

Audit certainty

Could I produce the backup today — or am I rebuilding it the night before? And would it even be enough?

Who’s behind this

An operator, not an agency.

Joshua Gonzales — 15 years in nonprofit finance. I run these closes every month, today: multi-grant billing under county cost-reimbursement contracts, active fiscal monitoring, payroll across restricted funding streams, and the audits that follow. The ten scored questions below are the same checks I run on real books.

The system this service installs is the one I operate daily — refined in the field, not designed in a slide deck. I use modern tools the way a good accountant uses Excel — daily and fluently, AI included. The tools do the reading; I make the calls. The judgment comes from the scars, not the software.

The Quiz

Fifteen questions. Three minutes. Your score, instantly.

Ten questions score your three certainties — cash, funder, audit. Five help make the results specific to you. Nothing is stored anywhere except to send you your results — no list-blasting, ever.

The problem nobody names

Every grant you win makes your books harder to keep.

Every funder brings its own rules — billing basis, documentation, deadlines, disallowed costs. Every rule adds hours. The hours come out of the mission.

So you rebuild the same report five ways, invoice late because you're scared to bill wrong, run payroll on hope, and spend three weeks a year doing archaeology for the audit. Not because you're bad at this — because you were never supposed to be doing it.

Success is what breaks the spreadsheet. This service exists so that winning more never costs you your nights again.

How it works

Review. Build. Then run it with your team.

Three stages, in order. The Review establishes what is actually true. The Build is your financial infrastructure, custom to your funders, in about 30 days. Then we run the monthly cycle alongside your team until they can run it without us. Everything produced is a document you can hold, show your board, or hand an auditor — and it all lives in your accounts, belonging to you.

1 · The Finance Operations Review

$3,500 · about 2 weeks

Before anyone proposes a fix, someone reads everything — every grant agreement, every allocation, every place the current setup is carrying risk that is invisible from inside it.

  • Allocation review — how shared costs are actually being split, and whether that would survive an auditor’s question. Names the exposure while it is still cheap.
  • Compliance posture — each funder’s real obligations against what is actually happening. Finds the quiet forfeits.
  • Restriction tracking — how much of your cash is genuinely yours to spend. Usually the number that surprises people most.
  • Audit-risk read — which grant would hurt most if it were examined tomorrow, and why. Turns a vague dread into a ranked list.
  • The findings letter — what is true, what it is costing you, and what to do about it, in priority order.

The findings letter is yours whether or not you go further. If you do, it doubles as the build proposal — you already know exactly what is being built, and why.

2 · The Build

One-time · about 30 days

Your financial infrastructure, designed around your actual funders — ending with the first clean close of your organization’s life.

  • The Grant Rulebook — every funder’s rules on one page each. Ends billing against the wrong basis.
  • A cost-allocation methodology, written and auditor-ready. Ends double-charging and “we put it all on the big grant.”
  • A clean chart of accounts built for grant tracking. Ends rebuilding the same report five ways.
  • The compliance calendar — every deadline, every funder, one view. Ends quiet forfeits and late reports.
  • The system map — how your money actually moves, on one page. Ends being the only person who knows.
  • The baseline close — your first clean monthly close, dated, in writing.

3 · Operate With Them

Time-boxed · 60–90 days

We run the installed system on your books — with your bookkeeper, not instead of them. You don’t stop operating and start training. You train by operating together.

  • Every funder invoiced on time, to its own rulebook — human-approved, always. Cash comes back on schedule.
  • The Board Page — one page, plain language, same format every month. Finance becomes ten minutes of the board meeting.
  • Cash & payroll runway, always current. You always know what’s yours to spend.
  • Audit-ready workpapers maintained as we go. Audit season stops costing all-nighters.
  • An open-items register. Money owed to you stops disappearing.

This stage has an end date written into the contract. Your bookkeeper learns the monthly workflows by running them under supervision; if you don’t have one, we can supply one. What we never do: pay bills or chase receipts — that stays with your team.

After the bridge, two ongoing layers — take one, both, or neither. They are deliberately separate, because they are different work: one is the monthly labor, the other is the judgment.

The operator

Monthly

A bookkeeper we supply and supervise, running the installed system on your books every month — with our quality gate behind them.

  • The monthly close, on the rulebooks, on schedule.
  • Funder invoicing, workpapers, and the open-items register maintained as we go.
  • Our review before anything reaches a funder or your board.

Already have a bookkeeper you trust? Keep them — stage three trains them, and this layer simply isn’t needed.

The finance manager

Per piece of work, or bundled monthly

The judgment layer — the work that decides where the money goes, not just where it went.

  • Grant budgets — proposal and renewal, built to the funder’s own rules.
  • Budget modifications when a grant changes mid-cycle.
  • The salary and allocation matrix — who is funded by what, designed deliberately across grants instead of by default.
  • The annual operating budget, built around your actual grant cycles — board-ready, not copied from last year.
  • Budget-vs-actual and grant utilization analysis, so an overspend surfaces in month three, not month eleven.
  • Scenario planning and new-grant math — what a lapsed award, or a new one, really does to your overhead, match, and cash flow.
  • Reserve targets — how much operating reserve you should hold, and the plan to get there.

Priced per piece of work, or bundled monthly if you would rather have it standing. A smaller organization may only want budget season; a grant-heavy one wants it always available.

What you won't have to do

  • Change software — we work inside your QuickBooks Online, QuickBooks Time, and existing payroll provider.
  • Learn a new system or train your staff on one.
  • Prepare for the audit — the binder is maintained year-round; you hand it over.
  • Hand over the ability to move money — bank access is read-only. If you ever want payments prepared for you, it's we-create-you-approve, with controls, never unilateral.
  • Give up control — approvals stay with you; nothing goes to a funder without your sign-off.
  • Do cleanup homework first — messy books are the starting condition, not a disqualifier.

Your part of onboarding: read access to the books, copies of your grant agreements, and one kickoff hour. If you can forward PDFs, you can onboard.

Timeline

Value starts in days, not quarters.

One business day

Your first Grant Rulebook — your scariest funder’s rules, on one page. (Free, even if we never work together.)

Review · week 1

Every grant agreement read, every deadline mapped, every allocation traced.

Review · week 2

The findings letter — including the restricted-cash answer: how much of your cash is actually yours to spend.

Build · about 30 days

Rulebooks, allocation methodology, chart of accounts, compliance calendar, system map — ending in the baseline close: the first clean monthly close of your organization’s life, dated, in writing.

The 60–90 days after

We run the monthly cycle with your team — invoices, Board Page, runway, workpapers — until they can run it without us.

The economics

Compare the real alternatives.

The money for this usually already exists inside your grants — admin lines, indirect cost recovery, and reimbursements currently leaking as unbilled or misbilled. This often pays for itself out of money you're entitled to but not collecting cleanly.

Part-time bookkeeper21 Light StreetNonprofit CFO
Typical cost$1,500–$2,000/mo$3,500 Review, then a fixed-price build — monthly support only if you want it$120K+/yr full-time; $3–6K/mo fractional
Knows each funder's billing rulesRarely — records transactions, doesn't read grant agreementsThe Grant Rulebook is the foundation of the systemSometimes — depends on grant experience
Audit preparationYou still do the archaeologyBinder maintained year-roundDirects it — often with you still gathering
Cash & payroll runwayNoAlways current, eight weeks outYes
Gets better as you win grantsFire drills stay fire drillsEvery new funder becomes one more rulebook pageDepends entirely on the person
Who runs it a year from nowThem — and it leaves when they doYour own team, trained on the system — or an operator we supply and superviseThem — and it leaves when they do

Cost figures are typical market ranges; your actuals may differ. The Review is $3,500. Everything after it is quoted from what the Review actually finds — a fixed price, in writing, before any work starts. No discounts, no introductory rates: the build is priced on what it saves you.

The guarantee

You shouldn't have to take a stranger's word for it.

Simple

100% satisfaction — and you can cancel anytime.

If a month of service doesn't meet the standard we agreed to — written into your engagement letter, not left to interpretation — you don't pay for it. No long contracts, no lock-in — and if you leave, everything we built goes with you. It's your infrastructure, in your accounts.

Fit

Built for a specific organization.

This is for you if

  • Nonprofit, roughly $250K–$1M budget
  • Three or more funding streams, and growing
  • Finance is run by the ED at night, a part-time bookkeeper, or a board treasurer
  • You can't say whether staff are allocated across grants the best way
  • You don't know if any grant is at risk of an audit finding today

Not for

  • Organizations with a full-time finance director they're happily paying $120K+
  • Organizations that aren't growing — shrinking budgets or winding down
  • First-grant startups — start with the free rulebook below
Already know you need this?

Skip the quiz. Email me.

Write to josh@21lightstreet.com — a line or two about your organization and your funders is plenty. I reply personally within two business days. I take a small number of builds at a time, so the honest answer about timing comes in that first reply.

Free — no call, no pitch

The Free Grant Rulebook.

Send one grant agreement. Within one business day you get back its one-page rulebook — like this one, but for your grant.

Billing basis, the documentation you must keep, disallowed costs, every deadline as a real date — and the most common ways organizations get burned by that exact type of contract. It's yours either way; if it's useful, imagine one for every funder you have.

Get your free rulebook →

Five a month, first come first served. Uploads must be redacted; the intake page explains exactly how the file is stored and deleted.