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CFO thinking, without the CFO payroll.
You are making pricing, hiring, and growth calls every week. A fractional CFO gives you the analysis, the forecast, and a second brain on the big decisions, at a fraction of a full-time hire.
Sound familiar
The business grew. The finance function did not.
Revenue is up, but you cannot say which customers or products actually make money. Cash gets tight in ways that surprise you. Big decisions get made on instinct because the numbers arrive late or not at all. That is not a bookkeeping problem. It is a missing CFO problem.
What you get
A finance partner who owns the numbers with you
The core of every fractional CFO engagement.
A rolling cash flow forecast you review together every month
We start with what your business actually did last year, line by line, not a generic template with your name on it.
Margin analysis by customer, product, or job, so you know what earns
When reality changes, the forecast changes with it. A slow quarter or a big new contract updates the picture instead of breaking it.
Pricing, hiring, and investment decisions modeled before you commit
We walk the variances with you every month, so drift gets caught while you can still do something about it.
A monthly finance review that ends in actions, not just reports
Run the hire, the equipment purchase, or the new line before you commit, and see what it does to cash.
All of it in plain language, tied to decisions you actually have to make.
Fractional means senior, not part-hearted
You get an experienced finance lead who learns your business deeply and shows up every month, without the salary, benefits, and equity a full-time CFO commands. Most owner-operated businesses need CFO judgment a few days a month, not forty hours a week.
Numbers need to be right before they can be strategic
CFO work built on messy books is guesswork with charts. If your QuickBooks file needs work first, start with the $399 Health Check. It grades your file and credits toward any engagement started within 90 days.
How it works
Three steps to a working finance partner
A free 30-minute intro call
We learn how your business runs, what decisions are coming, and where the numbers fall short today.
We build your baseline
Forecast, margin picture, and the two or three metrics that actually drive your business, built from your real data.
A monthly rhythm
A standing review of actuals against plan, with clear calls on the decisions in front of you.
Questions
Fractional CFO questions, answered straight
The same work a full-time CFO does: cash flow forecasting, margin and pricing analysis, budgeting, and judgment on big decisions, delivered on a monthly rhythm sized to your business rather than as a full-time salary.
Bookkeeping records what happened and your CPA handles taxes. A CFO uses those numbers to decide what happens next: pricing, hiring, spending, and growth. The three roles work together and we often coordinate directly with your CPA.
Plan on a monthly review meeting and quick answers to questions between meetings. We do the analysis; your time goes to decisions.
Owner-operated businesses roughly between $1M and $30M in revenue, where the decisions are getting bigger but a full-time CFO is not justified yet.
A flat monthly fee scoped to your business after a free intro call, not hourly billing. You always know the number in advance.
Yes. If your books are solid we build on them. If they need work first, we tell you plainly and fix that before charging you for strategy on bad numbers.
Schedule a free consultation
Tell us a bit about your business and what you're planning. We reply within one business day, and the first call is 30 minutes with no obligation.
We read every message personally. No bots, no ticket queues.