Fractional CFO Services
Financial Clarity for Better Business Decisions
Part-time CFO support for businesses in the $5M–$30M range that have outgrown basic accounting but aren't ready for a full-time finance executive.
You Have Financial Statements. What You Need Are Answers.
Most business owners in your position already have bookkeeping and accounting covered. The financials get produced every month. But when it's time to make a major decision, the reports don't always tell you what you need to know.
Questions start to surface:
We're growing, but why does cash feel tighter than it should?
Are we actually making money on that big account — or just staying busy?
Can we afford to hire, expand, or invest right now?
What's really driving our margins up or down?
Where are the financial risks we're not seeing?
These aren't accounting questions. They're leadership questions. And they're exactly where a fractional CFO adds value.
What a Fractional CFO Actually Does
A fractional CFO provides experienced financial leadership on a part-time basis — typically 8 to 15 hours per month, depending on your needs.
I work alongside your existing accounting team or bookkeeper. I'm not replacing anyone. I'm adding the layer of financial thinking that helps you make better decisions with the numbers you already have.
That usually falls into three areas:
Financial Oversight — Understanding what's really happening. I review your financial results regularly, identify trends and risks that aren't obvious in the standard reports, and help you understand what's driving your performance.
Financial Planning — Preparing for what's ahead. I build forecasts, cash flow models, and budgets that help you evaluate real decisions — not just check a box.
Financial Leadership — Thinking through the big calls. When you're weighing a major investment, evaluating a growth opportunity, or navigating a difficult stretch, I bring financial perspective to the conversation.
The Kind of Problems I Solve
Every business is different, but certain patterns show up again and again:
"We're growing, but cash is always tight." A common scenario: revenue is climbing, but working capital isn't keeping up. I've helped businesses build short-term cash flow visibility that revealed exactly where the gap was forming — and what to do about it.
"We never really know where we're going to land financially." One company had no reliable way to see where their financial position was headed. I built a rolling forecast process that gave leadership accurate projected financial statements and a clear picture of their future cash position — for the first time. That visibility changed how they made decisions.
"We had a division that was dragging us down, but we couldn't see it clearly." I analyzed performance at an underperforming part of the business, laid out the options, and provided a clear financial case for what to do. Leadership acted on the analysis, and the result was over $1 million in annual savings. Sometimes the most valuable financial insight is knowing where to stop investing.
"We were facing a large payment obligation that was going to strain our cash flow." I negotiated revised terms with a lending partner, replacing a large lump-sum payment with a manageable monthly structure. It was a straightforward conversation backed by solid financial reasoning — but it made a real difference in the company's ability to operate without cash pressure.
Who This Is For
I work with owner-operated and privately held businesses, typically in the $5M–$30M revenue range. My clients tend to share a few things in common:
They have accounting handled but want stronger financial leadership
They're at a point where financial decisions carry real weight
They want a trusted advisor, not just another vendor
My background spans construction, manufacturing, restaurants and hospitality, banking, insurance, health technology, and service businesses. That range means I've seen how financial challenges play out across very different business models — and what works.
What This Does Not Include
Fractional CFO services focus on financial leadership, planning, and decision support.
I do not provide day-to-day bookkeeping, tax preparation, investment advice, legal services, or CPA attestation services such as audits.
Most clients already have accounting support in place. I work with what's there and help you get more from it.
A Practical Way to Start
Not every business is ready for broad CFO support on day one — and that's fine.
Some clients start with a focused need: building a 13-week cash flow forecast, taking a hard look at profitability by segment, or making monthly reporting actually useful. These engagements create early clarity and help you decide whether ongoing support makes sense.
Start with a Conversation
The best way to find out whether fractional CFO support would be valuable for your business is a straightforward conversation. No pitch, no pressure — just a chance to talk through what's going on in your business and whether I can help.