Fractional CFO & Strategic Planning

CFO-level strategy and judgment for your business, without a full-time CFO salary.

What Is a Fractional CFO?

A fractional CFO is a senior finance leader who works with your business part-time, so you get CFO-level strategy and judgment without a full-time salary. For most owner-operated companies, the bookkeeping is already handled. Yet the biggest financial decisions, from pricing and margin to hiring and financing, still land on you alone.

That is the gap I fill. Because I read the same statements your bank and accountant do, I can translate them into the moves that actually grow the business. As a result, you get a partner who looks forward, not just a scorekeeper who reports what already happened.

When You Need a Fractional CFO

• You are making big decisions on gut feel more than you would like.
• Cash feels tight even in months when the business is clearly profitable.
• You are heading into a raise, a loan, or a sale and need clean, defensible numbers.
• Growth has outpaced your visibility, so you are flying with an outdated dashboard.
• You want a CFO in your corner, but a full-time hire is not yet worth the salary.

What You Get

• A monthly financial review built around your goals, not a generic report pack.
• Pricing and margin analysis, so you know which products, clients, and services actually make money.
• Budgets and rolling forecasts you can hold the business against.
• An owner scorecard that ties strategy to a handful of numbers.
• Decision support on hiring, big purchases, financing, and expansion.
• A direct line to a CFO between meetings, so you are never deciding alone.

How It Works

1. First, we run a books health check to see where you actually stand.
2. Then I build your reporting and forecast around the decisions you make most.
3. Finally, we meet monthly to turn the numbers into your next moves.

The Outcome

You make your biggest decisions with confidence instead of a gut feeling, backed by numbers you trust and a partner who has seen the pattern before.

Frequently Asked Questions

What does a fractional CFO actually do?

A fractional CFO owns the forward-looking financial work: forecasting, pricing and margin strategy, cash planning, KPI reporting, and decision support. Meanwhile, your bookkeeper keeps handling the day-to-day records.

How is a fractional CFO different from an accountant or bookkeeper?

Your bookkeeper records what happened, and your accountant files it. A fractional CFO, by contrast, looks forward and tells you what to do next with the numbers.

What size business needs one?

Most owners bring me in between roughly $500K and $10M in revenue. That is usually when decisions have outgrown a spreadsheet, yet a full-time CFO is not justified.

How much does a fractional CFO cost?

Far less than a full-time CFO, because you only pay for the time you need. Most engagements are a fixed monthly fee scoped to the work, so the cost is predictable from the start.

Ready to see your numbers clearly?

Start with a free Business Books Health Check. We will look at where you stand and what one change would help most, with no obligation.