Matthew Richardson - Chicostart

Services I Offer:

Expense / Spend Analysis                                            Payments / Vendor Receivables Overhaul

HR Payroll Expense Analysis                                        Cash Flow Analysis (pain points)

Financial Analysis (data trend analysis)                     Bank Statement Analysis

Investigative Accounting Analysis                              Commercial Credit / Debt Preparation and Coaching

Social Media and Online Presence Evaluation         Short, Intermediate, and Long-Term Business Plans

Ad and Marketing ROI analysis                                   Marketing Strategy and Analysis


Who I am: 

I was raised in Chico California and attended California State University, Chico. During my time there I was the Vice President of the student-run investment club and tutored financial and managerial accounting privately. In 2020 I graduated with a bachelor’s degree in finance.

From an early age, I have always been passionate about business. At the age of 18 I started, grew, and sold my first business Richardson Inc, a social media and search engine optimization marketing firm to a larger competitor in the region at an 8X EBITDA multiple valuation.

After selling my company I received my CA DRE salespersons license and sold over $2MM in property. I actively managed a $14MM, 500 residential unit portfolio in Butte County CA for 4 years and oversaw a staff of 46. During my undergraduate study, I was hired as a commercial credit analyst and helped facilitate and underwrite over $200MM in originations over my tenure.

Currently, I work for a startup financial technology firm that specializes in loan syndication to small businesses throughout the United States. In a normal month, I will analyze, underwrite, assign risk recommendations, and facilitate funding for over 70 small businesses.

My experiences have allowed me to not only see a high-level view of numerous small and large businesses but to truly get in the weeds and understand what makes them tick. Just over the course of the last year, I have provided financial consulting to rice farms, construction companies, retail stores, real estate holding companies, and startups.