Fractional CFO
CFO-level thinking, without the full-time hire.
The same work a full-time CFO would own — forecasting, budgets, reporting, and the decisions in between — scoped to what your business actually needs.
What the work includes
Cash flow forecasting
A rolling 13-week forecast so obligations can be met on time without unplanned short-term borrowing.
Budgeting & variance
A driver-based annual budget, with a monthly variance review of actual performance against plan.
KPI reporting
A defined set of metrics that drive the business — revenue per customer, gross margin, labour cost and cash burn.
Profitability & pricing
Margin analysis by service, product and customer, with pricing and cost reviews that identify margin erosion early.
Scenario planning
Model significant commitments before they are made: a hire, a location, a price change or a downturn.
Financing readiness
Lender and investor reporting packages, review of facility terms, and covenant tracking.
Controls & process
Approval thresholds, spending limits and segregation of duties over disbursements.
Quarterly strategy review
A working session each quarter on goals, the forecast, and the two or three financial moves worth making next.
When it makes sense to bring one in
Most owners do not require CFO support from the outset. It becomes relevant when a decision exceeds what can reasonably be assessed from the bank balance.
- 01Your margins are tightening and you cannot see which part of the business is causing it.
- 02You are about to hire, buy equipment, open a location, or change your prices.
- 03You are applying for a loan or bringing in an investor and need a package that holds up.
- 04Decisions have outgrown what the bank balance alone can reasonably support.
- 05You want a second set of eyes on the numbers before committing to something large.
The monthly rhythm
Books closed, then a short report with the two or three moves it suggests.
A working conversation about cash, margin and whatever is in front of you this month.
Zoom out: goals, forecast, and the decisions worth making next quarter.
Is a fractional CFO right for you?
A discovery call is the quickest way to establish fit. Where the answer is no, that will be stated directly.