Fractional CFO & advisory
CFO help for the decisions that are too expensive to guess at.
Once the books are clean, we help you use them. That may include cash forecasts, budgets, hiring scenarios, pricing and margin analysis, investor or lender reporting, and a monthly numbers snapshot that keeps the next few decisions visible.
The short version
Four questions the CFO layer should make easier.
How long will cash last?
See expected inflows, outflows, timing pressure, and the assumptions that change the answer.
Can we hire?
Model payroll, timing, revenue assumptions, and the cash buffer before adding the commitment.
What changed from plan?
Compare budget to actual and focus on the few differences that change the next move.
What will the stakeholder ask?
Prepare a clear view for a partner group, lender, investor, board, or leadership team.
Near-term cash view
A 13-week forecast turns timing into a visible decision.
The forecast maps expected collections, payroll, taxes, debt, major purchases, and other commitments by week. It is designed to show when cash gets tight, which assumptions matter, and what can still be changed.
- Current cash and near-term inflows.
- Payroll, tax, debt, vendor, and project timing.
- Known commitments and realistic collection assumptions.
- A visible low point and the decisions that move it.
Scenario planning
Compare the choices before one becomes a commitment.
A useful model does not pretend to predict the future. It shows how a few reasonable assumptions change the cash picture, timeline, margin, or risk.
- Hire now, hire later, or use a different staffing plan.
- Base case, slower sales, or delayed collections.
- Pricing, margin, project, or lead-spend alternatives.
- Runway extension, funding timing, or expansion choices.
Monthly numbers snapshot
The Pulse Deck keeps the few important numbers and decisions together.
Where the business stands
Cash, revenue, margin, major expense movement, and segment-specific numbers for the month.
Where plan and reality differ
Budget-to-actual and forecast differences that deserve explanation, not every small variance.
What needs a decision
The top two or three questions, a plain-English “what this means” line, and the next discussion.
Scope and limits
CFO support stays tied to a decision and a clear lane.
Common CFO-support work
- 13-week cash and rolling forecasts.
- Budgets, forecast-to-actual, and hiring scenarios.
- Pricing, margin, and operating decision models.
- Investor, lender, board, partner, or leadership reporting support.
- Data-room and numbers-question support where scoped.
What this does not include
- Audits, reviews, compilations, or CPA opinions.
- Investment advice, broker-dealer, legal, or fiduciary services.
- Fundraising, lender approval, valuation, or future-outcome guarantees.
- Cap-table legal administration or standalone 409A valuations.
- Forecasts presented as promises.
Forecasts, models, and projections use the information and assumptions available when prepared. Actual results will differ. They are intended to support decision-making and do not guarantee a future outcome.
Frequently asked
Direct answers about fractional CFO work.
When does a business need fractional CFO help?
Usually when the owner or founder needs a dependable answer about cash, hiring, pricing, growth, funding, reporting, or risk—but the business is not ready for a full-time CFO.
Do we need clean books first?
Yes. A model built on unreliable numbers is a polished guess. If the books are behind, cleanup and the monthly close come before confident forecasting or decision support.
What does a 13-week cash forecast show?
It shows expected cash inflows and outflows by week, the likely low point, and which assumptions or decisions change the picture. It is updated as actual results and expectations change.
Can you support investor or lender reporting?
Yes, where scoped. We can help organize management reports, forecasts, numbers narratives, and data-room materials. We do not perform audits, provide CPA assurance, guarantee funding, or act as a broker-dealer.
Is every CFO engagement the same?
No. The scope follows the business model and the decisions at hand. A law firm, real estate team, contractor, and tech startup need different operating numbers even when the underlying cash questions are similar.
The next decision
Know what changes the answer before you commit.
Bring the hire, expansion, partner, funding, pricing, or cash question. We will tell you whether the books are ready and what kind of model or reporting would make the decision clearer.