CFO support
Fractional CFO Services
Good bookkeeping records history. Good accounting helps you make the next decision.
Fractional CFO support gives a growing business senior financial thinking — pricing, margin, capital, and planning — without the cost of a full-time hire.
The problem
The gap between clean books and good decisions
Plenty of businesses have accurate accounting and still make expensive decisions: underpriced work, a hire the cash flow could not support, debt structured badly, or growth into a segment that never earned a real margin.
That gap is not a bookkeeping problem. It is the absence of someone whose job is to look forward.
Signs you may need this
- You are the only person thinking about the financial side of the business
- Pricing is based on what competitors charge, not on your costs
- You are approaching or negotiating financing
- Growth is not translating into profit or cash
- You are considering an acquisition, partner buyout, or sale
- You need a budget and forecast the team can be held to
What we do
How the work actually runs
01
Establish the baseline
Financial review of margin, cost structure, working capital, debt, and unit economics as they stand today.
02
Build the plan
An annual budget and rolling forecast tied to operational drivers, not last year plus ten percent.
03
Work the margin
Pricing analysis, cost structure review, and profitability by customer, service line, or project.
04
Prepare for capital
Lender-ready reporting packages, debt structure review, covenant tracking, and support through financing conversations.
05
Meet on a rhythm
Regular working sessions with you and your leadership team, with agreed actions between meetings.
Deliverables
What you receive
- Annual budget and rolling forecast
- Profitability analysis by segment, customer, or project
- Pricing and margin recommendations
- Cash flow forecast and capital planning
- KPI dashboard tied to your operating drivers
- Lender and stakeholder reporting package
- Scheduled leadership working sessions
Outcome
What changes
Decisions get made with a model behind them. You know what a job or customer needs to earn, what the business can afford, and what the next twelve months look like under more than one assumption.
For most owners the biggest change is simply not carrying the financial thinking alone.
Best suited to
- Businesses roughly $1M to $25M in revenue
- Founder-led companies without an internal finance leader
- Companies pursuing financing, bonding, or larger contracts
- Businesses whose growth has outpaced their margins
FAQ
Frequently asked questions
Related services
Where clients usually go next
Cash
Cash Flow Forecasting for Small Businesses
Cash flow forecasting for U.S. small businesses. See payroll, tax, debt, and project timing weeks ahead so cash decisions are planned, not reactive.
Reporting
Financial Reporting for Small Businesses
Management financial reporting for small businesses: clear statements, margin analysis, and KPI reporting that explains what happened and what to do next.
Job costing
Job Costing and Project Profitability
Job costing and project profitability reporting for contractors: burdened labor, cost codes, estimate versus actual, and gross margin by job.
Next step
Explore CFO Support
Tell us what decision is in front of you and we will tell you how we would approach it.