OUR SERVICES
Fractional CFO Services
Strategic financial leadership for growing businesses, including forecasting, cash management, fundraising support and board reporting, without the cost of a full-time CFO.
What Are Fractional CFO Services?
Strategic CFO support without the cost of a full-time CFO.
Fractional CFO services give your business access to an experienced chief financial officer on a part-time basis, through a monthly retainer or a defined project. You get the strategic financial leadership a growing company needs, from forecasting and cash management to fundraising and board reporting, at a fraction of the cost of a full-time executive.
Your bookkeeper and controller make sure the numbers are accurate. A fractional CFO uses those numbers to guide decisions: building forecasts and budgets, managing cash, preparing for financing or investment, analyzing margins, and advising on pricing, growth and profitability. The engagement scales with your needs, from a few days a month of ongoing strategy to focused support for a specific event.
Fractional CFO services are a strong fit for growing companies that have outgrown basic reporting, businesses raising capital or debt, owners preparing for a sale or acquisition, and companies whose revenue is growing while cash or margins are not. You get senior financial judgment when it matters, without adding a six-figure salary to your payroll.
Fractional CFO services are a strong fit for growing companies that have outgrown basic reporting, businesses raising capital or debt, owners preparing for a sale or acquisition, and companies whose revenue is growing while cash or margins are not. You get senior financial judgment when it matters, without adding a six-figure salary to your payroll.
What Does a Fractional CFO Do?
Senior financial leadership focused on the decisions that move your business forward.
Forecasting & Cash Planning
Rolling cash forecasts, budgets and financial models that show where your business is heading.
Strategic Decision Support
Analysis of pricing, margins, hiring and investments, so every major decision is backed by numbers.
Capital & Board Reporting
Lender and investor materials, KPI dashboards and board-ready reporting, with a CFO in the room.
Our Fractional CFO Services
Senior financial leadership tailored to your stage of growth. These are the areas where our CFOs spend most of their time.
We build an annual budget and a rolling financial forecast based on your actual results, so you always know where the business is heading.
We also maintain a 13-week cash flow forecast that shows upcoming receipts, payroll, vendor payments and debt service week by week. That way you can spot shortfalls early, time major purchases and decide when to draw on credit lines or raise capital.
Each month, we compare actual results to budget, explain the variances and update the forecast as conditions change.
We also maintain a 13-week cash flow forecast that shows upcoming receipts, payroll, vendor payments and debt service week by week. That way you can spot shortfalls early, time major purchases and decide when to draw on credit lines or raise capital.
Each month, we compare actual results to budget, explain the variances and update the forecast as conditions change.
The most valuable part of a CFO's role is guiding the decisions that shape the business.
We build financial models to evaluate:
We build financial models to evaluate:
- pricing changes
- new hires
- expansion into new markets or locations
- major equipment or technology investments
- acquisitions
- A deal depends on a number, such as working capital or an earn-out.
- The buyer or seller wants a CPA to check the figures the price is based on.
- Both sides want an independent check of key numbers, such as closing balances or earn-out results.
Whether you're applying for a bank loan, raising equity or refinancing existing debt, lenders and investors expect a credible financial story and someone who can defend it.
We prepare three-statement financial models, projections and supporting materials. We help you determine how much capital you need and what type fits your business, and we compare term sheets and loan offers side by side.
After funding, we manage the ongoing relationship: covenant tracking, lender and investor reporting, and regular updates that build trust and make your next raise easier.
We prepare three-statement financial models, projections and supporting materials. We help you determine how much capital you need and what type fits your business, and we compare term sheets and loan offers side by side.
After funding, we manage the ongoing relationship: covenant tracking, lender and investor reporting, and regular updates that build trust and make your next raise easier.
When Does Your Business Need a Fractional CFO?
If several of these sound familiar, it's time for senior financial leadership.
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Revenue is growing, but cash is always tight - You're preparing for a bank loan, investor raise or sale
- Major decisions are made without forecasts or financial models
- Margins are shrinking and you're not sure why
- Your board, lenders or investors expect better reporting
- You've outgrown your bookkeeper but can't justify a full-time CFO
Fractional CFO vs. Bookkeeping and Accounting Services
Our Fractional CFO Process
From first conversation to ongoing partnership, here's what to expect.
Discovery call
We learn about your business model, growth plans, current finance team and the decisions or challenges in front of you. You leave with a clear view of where CFO support would make the biggest difference.
Fixed-fee proposal and engagement letter
You receive a defined scope, a monthly retainer or project fee, and the expected time commitment before any work begins.
Financial assessment
We review your financial statements, accounting processes, cash position, reporting and existing forecasts to identify gaps, risks and immediate opportunities.
Forecast, dashboard and 90-day plan
We build your cash forecast, financial model and KPI dashboard, and agree on a 90-day plan of priorities with clear owners and targets.
Ongoing CFO partnership
We meet regularly with leadership to review results, update forecasts, prepare board and lender reporting, and support every major financial decision as your business grows.
Frequently Asked Questions
We charge a fixed monthly retainer based on the scope of work and time commitment, or a fixed project fee for specific events such as a capital raise or sale. You'll know the exact fee before we start. The cost is typically a fraction of a full-time CFO's salary and benefits.
It depends on your needs. Most clients work with us a few days per month for ongoing forecasting, reporting and strategy, with more time during busy periods such as budgeting, fundraising or due diligence. The engagement can scale up or down as your business changes.
Reliable books are essential, because CFO work depends on accurate numbers. If your bookkeeping or monthly close needs support, we can provide outsourced accounting and controller services alongside the CFO engagement, so you have one team covering everything.
A controller makes sure the numbers are accurate and the books are closed on time. A CFO uses those numbers to plan ahead: forecasting cash, building financial models, guiding major decisions and leading conversations with lenders, investors and boards.
Yes. We prepare financial models, projections and investor or lender materials, help you evaluate term sheets and loan offers, and support due diligence. For a sale, we help get your financials buyer-ready and model the outcome of different deal structures.
Yes. We serve clients nationwide and work fully remotely, with regular virtual meetings and secure access to your accounting systems and reports.
CFO-Level Strategy. Fraction of the Cost.
Tell us where your business is headed and what's holding it back. We'll recommend the right level of CFO support and send a fixed-fee proposal at no cost.