Cash flow surprises
You don't know what your bank balance will look like 30, 60, or 90 days out — and payroll keeps becoming a stress test.
Sound familiar?
The financial pain points we solve for SMBs
Most small and mid-sized businesses are flying blind financially. Here is what brings most owners to us.
Profit you can't explain
Revenue is up but profit isn't following. You can't tell which customers, products, or services actually make money.
No real forecast
Your "forecast" is a spreadsheet someone built two years ago. It has never matched reality, so nobody trusts it.
Reporting that arrives too late
You see last month's numbers three weeks into this month — long after you could have done anything about them.
Decisions made on gut
Hiring, pricing, and growth bets get made on instinct because the numbers aren't there to support a clear answer.
Not ready for capital
You want a line of credit, a loan, or investor capital — but you don't have the model, deck, or data room a lender or investor expects.
Service Tiers
Three fractional CFO tiers. Pick the level of leverage you need.
Flat monthly retainers. No long-term contracts. Move up a tier any time.
Tier 01
CFO Reporting
$2,500/month
Clean numbers, monthly insight, no surprises.
Who it's for
Owners of $1M–$5M businesses who need reliable monthly reporting and a basic cash flow view — without taking on a full CFO engagement.
What you get
- Monthly close oversight & review
- Standardized P&L, balance sheet & cash flow reporting
- Rolling 13-week cash flow forecast
- KPI dashboard tailored to your business
- Monthly 60-minute review call
- Email support between meetings
Strategic value
Replace last-minute fire drills with predictable monthly clarity on where your cash, margin, and pipeline actually stand.
Tier 02
CFO Strategy
$4,500/month
Forecasting, profitability, and decision support.
Who it's for
Growing $3M–$15M businesses that need an embedded financial strategist driving forecasting, pricing, and profit improvement.
What you get
- Everything in CFO Reporting
- Driver-based annual budget & quarterly reforecast
- Scenario modeling (base, upside, downside)
- Profitability analysis by customer, product & service line
- Pricing & margin strategy support
- Bi-weekly 60-minute strategy calls
- Monthly leadership team financial review
Strategic value
Stop guessing. Make hiring, pricing, and growth decisions backed by a model that ties directly to cash and profit.
Tier 03
CFO Leadership
$7,500/month
Executive financial leadership for serious growth.
Who it's for
$10M–$50M businesses preparing to scale, raise capital, or be acquired — and need a CFO sitting at the leadership table.
What you get
- Everything in CFO Strategy
- Embedded role on your leadership team
- Board-ready reporting & investor updates
- Capital strategy: debt, equity & M&A readiness
- Finance team coaching & org design
- Weekly 60-minute executive working sessions
- On-demand availability for major decisions
Strategic value
A true CFO seat — without the $250K+ all-in cost of a full-time hire — driving the financial strategy behind your next stage of growth.
What you get
Outcomes, not just deliverables
Reports and models are the means. Here is the change you should actually feel within 90 days.
Cash flow you can see
A live 13-week cash flow forecast you actually trust — so payroll, taxes, and big payments stop being a surprise.
Higher margins
Find the customers, products, and services quietly losing money — and the ones to double down on.
Faster, better decisions
Get a clear answer to "can we afford this?" in hours, not weeks — backed by a model, not a gut feel.
Investor & lender ready
Walk into any capital conversation with a clean model, defensible numbers, and a deck that earns trust.
Right fit?
Who our fractional CFO services are for
We are not a fit for every business. We are an exceptional fit for these.
You're a great fit if…
- You run a $1M–$50M small or mid-sized business.
- You want financial leadership, not just bookkeeping.
- You're growing fast and decisions are getting harder.
- You're preparing for a loan, line of credit, or raise.
- You want one trusted finance partner instead of a stack of consultants.
Probably not a fit if…
- You only need transactional bookkeeping or tax filing.
- You aren't ready to act on financial recommendations.
- You're pre-revenue and have no customers yet.
- You want one-off project work with no ongoing relationship.
Why work with us
An experienced CFO — powered by an AI-native platform
You get senior financial leadership and the operating system to deliver it. That combination is what makes the difference.
20+
Years of business experience
$500M+
Assets overseen
100+
SMBs advised
13-wk
Live cash flow forecasting
Industries we serve
Professional services
SaaS & software
E-commerce & DTC
Construction & trades
Healthcare & wellness
Manufacturing
Agencies & consultancies
Real estate & property
FAQ
Fractional CFO services, answered
Common questions from business owners considering a fractional CFO.
What is a fractional CFO?
A fractional CFO is an experienced Chief Financial Officer who works with your business on a part-time, retainer basis — providing strategic finance leadership, forecasting, reporting, and fundraising support without the cost of a full-time hire.
How much does a fractional CFO cost?
Our fractional CFO services are flat monthly retainers: $2,500/month for CFO Reporting, $4,500/month for CFO Strategy, and $7,500/month for CFO Leadership. By comparison, a full-time CFO in the U.S. typically costs $200K–$350K all-in.
What size businesses do you work with?
We typically work with small and mid-sized businesses generating between $1M and $50M in annual revenue across professional services, SaaS, e-commerce, construction, healthcare, manufacturing, and agencies.
What's the difference between a fractional CFO and an outsourced CFO?
The terms are often used interchangeably. Both refer to an external CFO who works with your company part-time. We use "fractional CFO" to emphasize a long-term, embedded relationship rather than one-off project work.
Do I still need a bookkeeper or accountant?
Yes. A fractional CFO operates above bookkeeping and tax — focusing on strategy, forecasting, and decision support. We work alongside your existing bookkeeper and CPA, or can recommend partners if you need them.
How quickly can we get started?
Most engagements begin within 1–2 weeks of the discovery call. We onboard quickly using the Cash Flow Optimizer platform, so your data, forecasts, and reporting live in one workspace from day one.
Is there a long-term contract?
No. All fractional CFO retainers are month-to-month. We earn the relationship every month.
Can I upgrade or downgrade tiers?
Yes. Many clients start with CFO Reporting and move up to CFO Strategy or CFO Leadership as the business grows. You can change tiers any month.
Ready for a CFO in your corner?
Book a free 30-minute consultation. We'll talk through your business, your numbers, and whether a fractional CFO is the right next move.