Service 03 · Fractional CFO
CFO thinking, small-business budget
A full-time CFO costs more than most small businesses make in profit. The thinking they provide — where the cash is going, what you can afford, when to hire, how to price — shouldn't be out of reach. That's the job here.
Book a 15-minute callWhat you get
Numbers that answer questions
Not another report you don't read — a working view of your business, maintained monthly, and a person to talk it through with.
When it's time
Signs you're ready for this
- Profitable on paper, but the bank account never seems to show it
- Big decision coming — a hire, a lease, a loan, a second location
- You know your revenue, but not your margins by service or product
- The bank asked for projections and you don't have them
Questions
Straight answers
What does a fractional CFO actually do?
Everything a full-time CFO does — forecasting cash, building budgets, analyzing margins, preparing you for loans or big purchases, pressure-testing decisions — for a fraction of the time and cost. You get the thinking, without the six-figure salary.
Is my business too small for this?
If you're making decisions about hiring, pricing, equipment, or borrowing based on gut feel and a bank balance, you're exactly who this is for. The service scales down honestly: fewer hours, same discipline.
Do I need to be a bookkeeping client first?
Not strictly — but CFO work is only as good as the numbers underneath it. If your books need work, we fix that first so the strategy stands on something real.
Is this available to U.S. businesses?
Fractional CFO services are currently offered to Canadian businesses. U.S. clients are welcome for monthly bookkeeping.
Borrow a CFO's brain.
One call to see whether your numbers are ready to work harder for you.