For Privately Held Businesses$1M to $100M

You don't have a profit problem. You have aclarityproblem.

I find your leaks. We design your profit.

Jay Aldebert, Profit Architect and creator of the Aldebert Financial Ecosystem
$2B+Profit leaks recovered 86,000+Businesses diagnosed 11Business Biomarkers
Jay Aldebert Chief Growth Officer International Services Inc.
The Rooms

Twenty-six years. The rooms that shaped how I read a P&L.

Statesmen. Publishers. Elite performers. Business operators. Every room in this record shaped a specific way I look at a small business today.

Jay Aldebert on camera with Marcus Lemonis
On-Camera Interview

Marcus Lemonis

Host of The Profit on CNBC. Chairman of Beyond Inc. Marcus put the same thesis I run every day on national television.

Jay Aldebert with Henry Kissinger
Statesman

Henry Kissinger

Secretary of State. Nobel Peace laureate. Kissinger thought in twenty-year arcs while the room thought in headlines.

Jay Aldebert with President Bill Clinton
42nd President

Bill Clinton

Chicago, 2001. The tax code, trade posture, and credit environment American businesses run inside today were largely written under his signature.

Jay Aldebert with Secretary Hillary Clinton
Secretary of State

Hillary Clinton

United States Senator. Secretary of State. Twice a candidate for the presidency. The kind of room you leave thinking differently about how power moves.

Jay Aldebert with Steve Forbes
Forbes Media

Steve Forbes

Editor-in-chief of Forbes. Chairman of Forbes Media. Two-time presidential candidate. When Forbes talks about money, the room listens.

Jay Aldebert with Rev. Jesse Jackson
Rainbow PUSH Coalition

Rev. Jesse Jackson

Civil rights leader. Founder of Rainbow PUSH and the Wall Street Project. Nobody pushed harder on capital access for minority-owned businesses.

Jay Aldebert with Patrick Mahomes
Three-Time Super Bowl MVP

Patrick Mahomes

Three Super Bowl rings. Owns pieces of the Royals, Sporting KC, Alpine F1, KC Current, Whataburger, and 1Password. He picks cash-flowing businesses the way he picks receivers open on the boundary.

Jay Aldebert with Bo Jackson
MLB · NFL · Heisman

Bo Jackson

The only athlete to make all-star teams in two major American sports. Now runs Bo Jackson Enterprises and serves as advisory director at Burr Ridge Bank & Trust.

Jay Aldebert with Jordan Peterson
Author · Framework Publisher

Jordan Peterson

Author of 12 Rules for Life, over ten million copies sold. Founder of Peterson Academy. Turned a psychology professorship into one of the most consequential publishing businesses of the decade.

26 Years
Diagnosing Owner-Operated Businesses
54,000+
Hours In the Room With Owners
86,000+
Business Diagnostics
$2 Billion+
Profit Leaks Recovered
11
Business Biomarkers Discovered
Studio color headshot of Jay Aldebert in a blue plaid vest

“Growth without design is not a strategy.”

Jay Aldebert
A Quarter Century in the Room

About Jay Aldebert

Over 26 years, Jay has recovered more than $2 billion in profit leaks for owner-operated businesses. Not from a classroom. From 86,000+ diagnostics across construction, the trades, manufacturing, transportation, distribution, and services. Businesses profitable on paper and bleeding cash in reality.

He created Return to Owner, the Business Biomarker Index, and The Aldebert Financial Ecosystem. The methodology behind the diagnostic team he built at International Services Inc., which generated over $1 billion in consulting fees along the way.

Today he is Chief Growth Officer of International Services Inc., hosts The Chief of Growth Show, and authored Return to Owner and the forthcoming The Seven Lies That Are Destroying Your Business. Father of three. Lives in Kildeer, Illinois.

Small Biz & AI · Industry-By-Industry

What AI actually does for your industry, and what the hype guys will not tell you

Construction HVAC Manufacturing Transportation Retail & Wholesale Restaurants Auto Repair Professional Services

Every AI consultant tells a plumber, a manufacturer, and a distributor the same story. Every industry has one specific AI use that produces disproportionate returns. It is almost never the one being marketed. Eight industries, the real win, the hype story, and the doctrine question to ask before writing the check.

Four field notes from the AI diagnostic See the industry hub
TWO OF THE ELEVEN

The First Two Business Biomarkers, Free

Here are two of them. Try them right now. Real math, ported from the diagnostic that has run 86,000 businesses.

01

Debt Service MMP

The first survival number. The floor beneath every other financial decision.

Your Minimum Mandatory Profit to cover debt is what the business has to earn every month, after tax, just to service its debt. Miss it and your working capital silently covers the shortfall, whether you know it or not.

Enter your monthly debt payment to see your MMP

This is a directional read using a 30 percent blended state and federal tax rate for an S Corporation. The full diagnostic uses your exact state, entity type, and progressive federal brackets, which produces a number typically three to eight percent different from this estimate.

02

Working Capital Gap

The second survival gate. The cash you hold to bridge job start to customer payment.

Working capital is the cash you hold to fund the gap between the day you commit money to a job and the day the customer pays you. If your working capital is short of what your accounts receivable cycle demands, you are financing operations with debt. Every month the gap widens.

Enter your revenue and receivables to see your Working Capital Gap

This is the exact Working Capital Gap calculation used inside the Aldebert Verdict. The full diagnostic layers deficit-attack math on top, showing you how much annual profit you need to close the gap over 1 to 5 years.

THE OTHER NINE

These are 2 of the 11 Business Biomarkers Return to Owner reads.

The other nine tell you whether these two numbers are sustainable. Whether your Layer Cake holds. Whether your Aldebert Verdict clears. Whether your business is designed to keep 15 cents of every dollar it produces, or to bleed it.

Find My Leak
HOW IT WORKS

The Aldebert Financial Ecosystem, End to End

Four stages, one continuous diagnostic. Each stage feeds the next. You do not repeat data entry. You do not wait for a monthly close. The system reads your business the way a cardiologist reads a heart.

01
The Diagnostic

Return to Owner

Reads eleven proprietary Business Biomarkers on your business, continuously. Not once a year. Not once a quarter. Constant. Think blood panel and MRI, running while the patient is still alive.

02
The Profit Ladder

Layer Cake

Five layers, bottom to top. Minimum Mandatory Profit at the foundation. Then Fixed Cost Capacity. Then Required Gross Margin dollars. Then Intended Gross Margin percent. Breakeven Sales Volume at the top. This is the math that turns a profit floor into a revenue target.

03
The Composite Score

Business Biomarker Index The Aldebert Verdict

The eleven biomarkers roll into one composite score. Every dimension carries meaning, cause, action, and pushback. This is what your analyst delivers to you, not a spreadsheet, but a diagnosis.

04
The Delivery

The Aldebert Verdict

A fifteen-page written verdict. Not a dashboard. Not a slide deck. A written diagnosis in the order the doctrine demands, telling you where you are right now based on every decision you have made, and what has to happen next: today, tomorrow, and next week.

The Aldebert Financial Ecosystem does one thing. It measures where you are right now based on every decision you have made, and tells you exactly what the next move is: today, tomorrow, and next week.

The Methodology

The Aldebert Financial Ecosystem

Every tool available to business owners right now is a lagging indicator. It tells them what already happened. The Aldebert Financial Ecosystem tells them what to do next. Not generically. Specifically. In what order. And how fast.

Return to Owner diagnostic shield
01

Return to Owner

The MRI and CAT Scan

The diagnostic instrument the whole ecosystem runs on. Return to Owner is the MRI and CAT scan on your business. It reads across 11 proprietary Business Biomarkers, calibrated against 86,000+ prior diagnostics, and produces the one number every owner must know.

Input · 11 Biomarkers

Cash. Debt service. Margin. Working capital. Owner draw. Five more. The eleven signals a real diagnostic reads before it declares anything.

How RTO works →
02

Layer Cake

The Verdict

The verdict, and the visual output of RTO. Layer Cake stacks the 11 Biomarkers on a foundation of Minimum Mandatory Profit and resolves upward to the Breakeven Sales the business must produce.

Foundation Layer · MMP

Debt Service. Working Capital. Retirement Funding. Owner's Compensation. Exit Strategy. The five mandatory claims on profit funded before profit is optional.

03

Business Biomarker Index

The Health Score

The health score of the business. Once the Layer Cake resolves to Breakeven Sales, BBI scores whether the business can hit it, reads like a vital sign, and isolates the constraint point holding it back.

Output · The Constraint

The one biomarker holding the business back. Named, not implied. The score every owner leaves with, and the one number the diagnostic team turns into a plan.

How BBI scores →

One diagnostic. Three outputs.

RTO reads the business like an MRI. Layer Cake delivers the verdict. BBI scores the health and isolates the constraint. What to fix. In what order. How fast.

Your First Move

Run the diagnostic on your business.

A member of Jay's diagnostic team comes to your location for a two-day on-site analysis across operations, sales and marketing, finance, and measurement and management tools. We look at all the plays you're calling and how they're working out on the field. You get the written Verdict. No retainer required.

What Happens When You Start a Diagnostic

Four steps. On-site. No proposal deck. No discovery call theater.

I
Step One

The mirror moment

Ask the owner in the mirror: Is there a better way to make profit? Can I improve my quality of life? Do I know my numbers as well as I should? If the answer to any of those is honest, you already know the next step.

II
Step Two

Reach out

Click Find My Leak. Tell us where the business stands today and what feels off. We reply within one business day to scope the diagnostic.

III
Step Three

A team member on-site

A member of Jay's diagnostic team comes to your location for a two-day analysis across operations, sales and marketing, finance, and measurement and management tools. We look at every play you're calling and how it's working out on the field.

IV
Step Four

You get the Verdict

A 15-page written diagnostic delivered afterward. Yours. What you do with it is your decision. No retainer required.

The diagnostic runs whether you hire the team for the fix or not. Some owners walk away with the Verdict and solve it themselves. Some ask us to stay.

Find My Leak
In the Press

Featured Media


TV, press, and podcast appearances.

Television

Jay Aldebert on Good Day Chicago discussing why franchise restaurants are closing
FOX 32 Chicago · Good Day Chicago

Why Are Franchise Restaurants Closing?

Franchise risk, thin margins, and financial warning signs. September 25, 2026.

Watch full segment →
WTTW Chicago Tonight segment thumbnail: Jay Aldebert debating the 32-hour workweek bill
WTTW · Chicago Tonight

New Bill in Congress Proposes a 32-Hour Workweek. Could It Work?

10-minute panel debate with host Brandis Friedman. September 23, 2026.

Watch segment →
Fox 32 Chicago The Loop segment thumbnail: Jay Aldebert on the tariff fight with Canada and major local impacts
Fox 32 Chicago · The Loop

Tariff Fight With Canada Will Have Major Local Impacts

Extended 7-minute Loop interview. August 25, 2026.

Watch segment →
Fox 32 Chicago segment thumbnail: Jay Aldebert on Illinois small business owners three days into the new tariffs
Fox 32 Chicago · News at 5PM

New Tariffs In Effect: What Illinois Small Business Owners Are Seeing Three Days In

With Lauren Scafidi. August 24, 2026.

Watch segment →
LiveNOW from FOX segment thumbnail: Jay Aldebert on the US-Canada retaliatory tariffs
LiveNOW from FOX

US-Canada Tariffs: Three Fronts Hitting Small Business At Once

With Carel Lajara. August 23, 2026.

Watch segment →
Fox 32 Chicago segment thumbnail: Jay Aldebert on President Trump's delay of Canadian tariffs
Fox 32 Chicago · News at 5PM

President Trump Delays Canadian Tariffs: What It Means for Small Business

With Lauren Scafidi. August 19, 2026.

Watch segment →
Schwab Network segment thumbnail: Jay Aldebert on retail earnings and consumer resilience
Schwab Network · Market On Close

Will Retail Earnings Confirm Consumer Resilience?

With Sam Vadas and Marley Kayden. August 17, 2026.

Watch segment →
Fox 32 Chicago segment thumbnail: Cyclospora outbreak and what Illinois restaurants should do
Fox 32 Chicago

Cyclospora Outbreak: What Illinois Restaurants Should Do Right Now

With Lauren Scafidi. August 4, 2026.

Watch segment →
OAN segment thumbnail: Cyclospora Outbreaks and their effect on Small Business
OAN · One America News

Cyclospora Outbreaks and their Effect on Small Business

Live segment. July 21, 2026.

Watch segment →
LiveNOW from FOX segment thumbnail: Jay Aldebert on the Taco Bell Cyclospora outbreak
LiveNOW from FOX

Jay Aldebert on the Taco Bell Cyclospora Outbreak

Cost per plate, supplier transparency, and what it means for small restaurants. July 2026.

Watch segment →
Fox 32 Chicago segment thumbnail: NATO Summit's Impact on Small Business
Fox 32 Chicago

NATO Summit's Impact on Small Business

Chicago Live segment. July 9, 2026.

Watch segment →
Good Day Alabama segment thumbnail: AI in the Workplace
Good Day Alabama · WBRC Fox 6

AI in the Workplace

Premiered July 4, 2026.

Watch segment →
Fox 5 DC segment thumbnail: How Small Businesses Can Weather the Slow Summer Season
Fox 5 DC

How Small Businesses Can Weather the Slow Summer Season

June 12, 2026.

Watch segment →

As a Guest On

Selected appearances on other shows. Watch on the host's YouTube channel or listen on your preferred podcast platform.

As Featured In

Newsweek
These Places Already Tried a 32-Hour Workweek. Here's What Happened.
Jay quoted in Newsweek on why the four-day week works for some businesses and moves the cost somewhere else for others.
Entrepreneur
More Revenue Won't Fix Your Company. 88,000 Businesses Prove It.
Jay's most-read business op-ed. The counter to every scale-bro on the internet.
Yahoo Finance
Profit by Design: A Diagnostic-First Approach to Small Business
Yahoo Finance covers Jay's doctrine and the 26-year track record behind it.
Psychology Today
The Science of Buying: What Actually Makes People Say Yes
Behavioral science lens on why owners refuse to see their numbers.
The Independent
Taylor Farms Cyclospora Outbreak: How Restaurants Should Respond
Jay quoted on operator response to the multi-state food safety event.
The Washington Times
Employment Outlook: Labor Experts on the Recovery
Jay's read on the labor market and what it means for SMB payroll planning.
American Business Magazine
Contributing Author: The Aldebert Column
Ongoing column on operator diagnostics for American Business Magazine.
The Ritz Herald
A Floppy Disk and a Borrowed Car: The Story Behind Return to Owner
The origin story of the diagnostic that measures Profit by Design.
Yahoo Lifestyle
How to Maximize Summer Downtime for Business Growth
Jay's playbook for what operators should actually do with slow-season hours.
The Media Property

The Chief of Growth Show

Conversations with operators, founders, and executives shaping the next wave of business growth.

New episodes drop Thursdays.

Slow Down to Speed Up: Finding Flow, Clarity, and Success with Carolyn Litton episode thumbnail
EP 18Latest · 1:05:20

Slow Down to Speed Up: Finding Flow, Clarity, and Success with Carolyn Litton

Carolyn Litton on finding clarity, avoiding burnout, and making room for personal growth.

Watch episode →
Why Would a Businessman Run for President? The Story Behind Jason Palmer's Journey episode thumbnail
EP 171:16:36

Why Would a Businessman Run for President? The Story Behind Jason Palmer's Journey

Jason Palmer on business turnarounds, education, leadership, and his run for president.

Watch episode →
The Rise of Humanoid Robots: How Close Are We to Robots in Our Homes? episode thumbnail
Minisode0:14:27

The Rise of Humanoid Robots: How Close Are We to Robots in Our Homes?

A minisode on humanoid robots, AI, and how close robotics is to everyday life.

Watch episode →
Will Robots Take Your Job? The Future of AI, Robotics and Work episode thumbnail
EP 161:22:23

Will Robots Take Your Job? The Future of AI, Robotics and Work

A conversation on AI, robotics, and what the future of work means for business owners.

Watch episode →
Why Are Dentists Going Bankrupt? The Business Side of Dentistry episode thumbnail
EP 151:13:10

Why Are Dentists Going Bankrupt? The Business Side of Dentistry

The business side of dentistry, from running a practice to leading hundreds of locations.

Watch episode →
From Cell Phone Stores to Real Estate and AI: Justin Sloan's Entrepreneurial Journey episode thumbnail
EP 141:17:39

From Cell Phone Stores to Real Estate and AI: Justin Sloan's Entrepreneurial Journey

Justin Sloan on systems, duplication, and calculated risk across cell phones, real estate, and AI.

Watch episode →
Turning Complexity Into Clarity: What Separates Elite Business Operators episode thumbnail
EP 131:19:00

Turning Complexity Into Clarity: What Separates Elite Business Operators

A conversation on what separates elite business operators from everyone else.

Watch episode →
Moving Small Businesses Forward Is the Only Mission episode thumbnail
EP 121:36:46

Moving Small Businesses Forward Is the Only Mission

On the mission behind the diagnostic work.

Watch episode →
How Tariffs Impact Small Businesses, Prices, and Profit episode thumbnail
EP 110:34:00

How Tariffs Impact Small Businesses, Prices, and Profit

On tariffs, pricing, and the real math for small business owners.

Watch episode →
There's No Such Thing as Work-Life Balance  with Barbara of Thesis Painting episode thumbnail
EP 101:14:26

There's No Such Thing as Work-Life Balance with Barbara of Thesis Painting

Barbara of Thesis Painting on building an $8M family business.

Watch episode →
Networking That Actually Works | Chief of Growth Podcast EP 9 episode thumbnail
EP 91:01:32

Networking That Actually Works | Chief of Growth Podcast EP 9

Andrea Biwer, Schaumburg Business Association.

Watch episode →
The Truth Every Entrepreneur Needs to Hear | Jay Aldebert episode thumbnail
Special0:35:51

The Truth Every Entrepreneur Needs to Hear | Jay Aldebert

Jay Aldebert on the seven lies quietly holding operators back.

Watch episode →
HE SWIMS WITH SHARKS!!!! The Chief of Growth with Jay Aldebert | MEAT Dave Alwan episode thumbnail
EP 70:45:57

HE SWIMS WITH SHARKS!!!! The Chief of Growth with Jay Aldebert | MEAT Dave Alwan

Dave Alwan on going from milk crates to Mark Cuban.

Watch episode →
Pete Hassen of NILENT | NIL Education, Athlete Growth, and Student-Athlete Success episode thumbnail
EP 61:11:34

Pete Hassen of NILENT | NIL Education, Athlete Growth, and Student-Athlete Success

Pete Hassen, former Chicago Blackhawks executive.

Watch episode →
Honoring Legacy: Building a Hall-of-Fame Growth Culture w/ David Hlatky of H&H Service Company, Inc. episode thumbnail
Special1:11:58

Honoring Legacy: Building a Hall-of-Fame Growth Culture w/ David Hlatky of H&H Service Company, Inc.

David Hlatky of H&H Service Company.

Watch episode →
Revenue Is a Lie: What High-Growth Companies Actually Get Right | EP 5 episode thumbnail
EP 50:57:32

Revenue Is a Lie: What High-Growth Companies Actually Get Right | EP 5

A crossover with The Business Game Podcast.

Watch episode →
From Abandonment to Analyzing 2,000 Businesses: Terry Mitchell's Unfiltered Truth episode thumbnail
EP 41:28:08

From Abandonment to Analyzing 2,000 Businesses: Terry Mitchell's Unfiltered Truth

Terry Mitchell's unfiltered truth.

Watch episode →
Kiss or Kill: CPA vs Tax Strategist: Why Most Small Business Owners Get This Wrong | TCOG episode thumbnail
EP 30:33:35

Kiss or Kill: CPA vs Tax Strategist: Why Most Small Business Owners Get This Wrong | TCOG

Why most small business owners get this wrong.

Watch episode →
From 8-Year-Old Hustler to #1 Business Broker in the USA | The Chad Peterson Interview episode thumbnail
EP 21:08:56

From 8-Year-Old Hustler to #1 Business Broker in the USA | The Chad Peterson Interview

Chad Peterson on building a brokerage empire.

Watch episode →
Soul + Strategy: Jay's 88K SMBs Analysis Wisdom Fuels An Epic Rise & Thousands Of Lives Improved episode thumbnail
EP 11:18:19

Soul + Strategy: Jay's 88K SMBs Analysis Wisdom Fuels An Epic Rise & Thousands Of Lives Improved

The premiere. How thousands of analyses became a framework.

Watch episode →
Written · Answers · Comparisons · AI Playbook

The questions owners actually ask.

Three libraries. Seventy-eight answers. Every one grounded in doctrine. Read what you need before you book, or skip straight to the diagnostic.

Top Questions From SMB Owners
Compare Against What You Have Now
The AI Playbook for Small Business Owners
All Answers → All Comparisons → All AI Answers →
Jay Aldebert on YouTube

Big business teardowns. Real math. No script.

Long-form documentaries and short-form breakdowns of the businesses that shape the economy. Weekly. Free. Subscribe on YouTube.

211+Videos
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Let's Find the Leak

Book your diagnostic.

The intake is not a form. It is the first minute of what happens when someone hires Jay. Doctrine-aware, four questions, three minutes. Jay reads every intake himself and replies within one business day.

Start the Intake

Prefer to skip the intake? Email leak@jayaldebert.com. Urgent? Text 773-984-1183.

Diagnostic engagements are scoped to your revenue tier. Jay confirms scope on the first call.

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