Fractional CFO · Enterprise
A finance leader in your corner,without the headcount.
For businesses scaling, raising, or heading toward an exit, where the decisions have outgrown the reporting.
Growing fast, and still flying blind on cash
Past a certain size the reporting stops being the problem. The problem is that nobody in the building is paid to look forward.
- Revenue is up and you still do not know what cash looks like eight weeks out.
- A lender or your board wants projections, and nobody here builds projections.
- You are thinking about selling, and the books are not in shape for a buyer to open.
- A full-time CFO runs a quarter of a million a year loaded, and you cannot justify that yet.
Six things a finance leader brings
You see cash before it becomes a problem. Thirteen weeks out, refreshed, so you stop guessing at the balance.
Model the hire, the second location, the slow quarter, before the money is committed.
The handful of numbers that actually drive your business, on one screen, walked through with you.
The clean financials and projections a bank, a surety, or a buyer asks for, ready before they ask.
Strategy off stale books is guessing. The close lands on a deadline so the forecast means something.
A CFO, a controller, and a bookkeeper, with a firm behind them. Nothing stalls when one person is out.
See a real one
A live sample, not a screenshot. The Performance Dashboard, budget variance, and the 3-statement forecast. Pick your industry and see the shape of it.
Honest about where you are
This is right for you if
- You are scaling and the cash question has gotten bigger than the reporting question.
- A lender, a surety, a board, or an investor wants projections you do not have.
- You are planning an exit and want the books and the story ready before a buyer looks.
- You want CFO judgment on the big calls without carrying a CFO salary.
You might not need this yet
- If what you actually need is accurate monthly reporting, a close on a deadline, and margin by job or location, that is controller work and it costs less. See Outsourced Controller.
- If the books themselves are behind, start there. Forecasting off numbers nobody reconciled produces confident nonsense. We will get you current first.
An honest range, billed weekly
Most clients at this level land here. Revenue and complexity move it most, then entity count, how many locations or jobs you track, and what the year in front of you looks like. Above the top of this band the number stops being a range and becomes a conversation.
CFO work does not arrive once a month. It lands in the weeks between closes, on the cash call and the lender question. Billing weekly puts the invoice on the same rhythm as the work, and it plans easier than one large monthly hit. Same annual dollars either way.
A CFO, a controller, and a bookkeeper for less than the CFO alone
A full-time CFO is about $250,000 a year fully loaded, and a CFO with nobody under them still cannot close a month. The real in-house build is three seats. The honest tradeoff for going fractional is presence, not capability.
Against a controller, the line is simple. A controller makes the numbers right and on time. A CFO decides what to do about them. If reporting is the gap, take the controller and keep the difference.
Against the Pilot and Bench style subscription services, the difference is who is actually on your account. Those are built to scale a standard package across thousands of accounts. Here you get a licensed CPA who signs your return and sits in the meeting with your lender.
Compare the tiersFully loaded salary estimates for a business at this size. Tax prep and filing are included in our fee.
From first call to a seat at the table
We do the heavy lifting of the transition so the switch is clean.
Discovery Call
We learn where the business is headed, what decision is in front of you, and confirm the right level of support.
Assessment
We review your systems, your history, and the shape the books are in, then build the transition plan.
Onboarding
We take over the close, stand up the dashboard, and build the first forecast and budget with you.
Ongoing Partnership
A monthly strategy meeting, a refreshed forecast, and a CFO in the room when the big calls come up.
Common questions
See your number, then let's talk
Get an instant estimate built for your business, or submit an inquiry and we will review the information before offering time on Richard's calendar.