Fractional CFO for small & mid-sized businesses

You don't need a full-time CFO. You need answers.

Most owners run on gut feel and a bank balance, and it works, until it doesn't. We build the forecasts, budgets, and reporting that tell you what's actually happening in your business, for a fraction of a CFO salary.

Book an intro call 30 minutes. No pitch deck, no obligation.
Founder Scorecard Sample · July
Revenue $0K▲ 8% vs plan
Gross margin 0%▲ 2.1 pts
Operating expenses $0K▼ 4% over budget
Days sales outstanding 0 days▲ improving
13-week cash forecastCovered through Oct
One page. Updated monthly. You'll always know where you stand.
Sound familiar?

The problems we get hired to fix

If any of these hit close to home, we should talk.

"I find out about cash crunches the week they happen."
"I'm profitable on paper, but I can never figure out where the money went."
"I have no idea which clients or services actually make money."
"I want to hire, but I don't know if I can afford to, or afford not to."
What we do

Real finance work, not a slide deck

Hands-on and practical. We build systems in the tools you already use (QuickBooks and your existing platforms) that keep working after we step back.

See clearly

Reporting & visibility

Know exactly how the business is performing, without wading through QuickBooks yourself.

  • Monthly financials in plain English
  • One-page founder scorecard
  • Profitability by client, service line, and offering
  • Budget-to-actual tracking
Plan ahead

Forecasting & budgeting

Stop being surprised by your own business. See what's coming before it arrives.

  • 13-week rolling cash-flow forecast
  • Annual budgets and rolling forecasts
  • Scenario planning: best case, worst case, likely case
  • Financial models for big decisions
Protect cash

Cash & working capital

Cash kills more good businesses than bad ideas do. We make sure it doesn't kill yours.

  • Invoicing, AR, and collections that actually collect
  • DSO, aging, and client-concentration monitoring
  • Payroll funding, credit facilities, and reserves strategy
  • Working-capital planning for growth
Decide with confidence

Strategic analysis

A numbers-backed second opinion for the decisions that keep you up at night.

  • Pricing and margin analysis
  • Financial triggers for hiring and investments
  • Commission and comp structure design
  • Coordination with your tax and accounting partners
How it works

Heavier at the start, lighter as we go

The goal isn't to make you dependent on us. It's to build a finance function that runs lean, and to tell you honestly which work belongs at the CFO level and which can go to a lower-cost bookkeeper.

Assess

Weeks 1-4

We dig into your books, your processes, and your QuickBooks setup. You get a straight assessment of what's solid, what's broken, and what's costing you money.

Build

First 60-90 days

Cash-flow forecast, monthly scorecard, cleaned-up reporting, tightened collections. The core systems go in, and you start seeing your business clearly.

Steady state

Ongoing

A few hours a month: updated forecasts, monthly review, and a strategic sounding board on call. Routine work gets handed off to lower-cost support we help you find and train.

Fit check

Let's not waste each other's time

Fractional works brilliantly for some businesses and badly for others. Here's the honest breakdown.

A great fit if you're…

  • An owner-led business doing roughly $1M-$25M in revenue
  • In services, staffing, agencies, or other people-driven businesses
  • Growing, and feeling the cash strain that comes with it
  • Past what your bookkeeper can handle, but not ready for a $250K CFO
  • Willing to look at real numbers, even when they're uncomfortable

Probably not a fit if you…

  • Need someone in the office five days a week
  • Want bookkeeping and data entry only; we'll help you hire for that instead
  • Are looking for someone to just tell you everything's fine
  • Need audit, tax filing, or attest work; that stays with your CPA
Free 30-minute call

Thirty minutes. Bring your messiest question.

Tell us what's keeping you up at night: cash, margins, a hire you're not sure about. You'll get an honest answer on whether we can help, and what we'd do first. If we're not a fit, you'll still leave with something useful.

Book an intro call