Fractional CFO for small businesses & startups
CFO-level financial leadership, without the full-time salary.
With 20+ years of finance leadership experience, I help founders and business owners get numbers they trust, a cash plan they can count on, and a clear strategy for profitable growth.
Flexible monthly engagements · Works with your existing bookkeeper and CPA
20+
years of finance leadership
30+ Mil
in capital raised & financed
30+
companies advised
15+
industries served
Sound familiar?
You’ve outgrown your bookkeeper, but a full-time CFO isn’t in the budget yet.
Revenue is up, but cash is always tight.
You’re growing, yet payroll weeks are stressful and you’re never quite sure how much cash you’ll have next month.
Your numbers arrive late, or you don’t trust them.
Financials show up weeks after month-end, and they don’t tell you what’s working, what isn’t, or what to do next.
Investors and lenders are asking hard questions.
You need a model, a forecast and a story that holds up to scrutiny before the next raise or loan renewal.
That’s exactly where a fractional CFO fits: senior financial judgment, sized to your business.
What I do
Strategic finance, built around your stage
Cash Flow & Forecasting
A rolling 13-week cash forecast and 12-month outlook, so you see crunches coming months ahead, not days.
Financial Reporting & KPIs
A clean monthly close and a one-page dashboard with the handful of numbers that actually drive your business.
Budgeting & Planning
An annual plan and operating budget tied to your goals, with monthly budget-vs-actual reviews that keep you on track.
Fundraising & Investor Relations
Financial models, pitch-ready metrics, data rooms and board decks that give investors confidence.
Banking & Lending
Line-of-credit and term-loan packages, covenant tracking, and a CFO at the table when you negotiate.
Pricing & Profitability
Margin analysis by product, customer and service line, and the pricing moves that raise profit without adding headcount.
Who I help
Two kinds of companies, one goal: confident decisions
Small & mid-sized businesses
Owner-led companies, typically $1M–$25M in revenue, that are ready for more structure and a real plan.
- Improve cash flow and working capital
- Understand true margins by product, customer or job
- Build a budget and hold the team accountable to it
- Secure better banking and lending terms
- Plan for growth, succession or an eventual exit
Startups & venture-backed companies
Founders from pre-seed through Series B who need investor-grade finance without a full finance team.
- Build a fundable financial model and runway plan
- Track SaaS and unit-economics metrics that investors expect
- Prepare data rooms, board decks and investor updates
- Manage burn and hiring plans against milestones
- Set up scalable accounting and reporting from day one
How it works
Getting started is simple
1
Free discovery call
A 30-minute conversation about your business, your goals and what’s getting in the way. No pitch, no pressure.
2
30-day financial diagnostic
I review your books, cash position, systems and reporting, then deliver a prioritized action plan with quick wins.
3
Ongoing CFO partnership
A steady monthly rhythm: close review, reporting package, forecast update and a strategy session with you.
FAQ
Common questions
What is a fractional CFO?
A fractional CFO is an experienced chief financial officer who works with your business part-time, typically a set number of days or hours each month. You get the same strategic leadership a large company has, at a fraction of the cost of a full-time executive.
How is this different from my bookkeeper or CPA?
Your bookkeeper records what happened and your CPA handles taxes and compliance. A CFO looks forward: forecasting cash, setting strategy, building the plan, and helping you make decisions. I work alongside your existing bookkeeper and CPA, not in place of them.
How much time will you spend on my business?
It depends on your stage and needs. Most clients start with a few days a month, plus availability between meetings for questions and decisions. We’ll agree on the right level during our first conversation and adjust as you grow.
Do I need to change my accounting software?
Usually not. I work with the tools you already use, such as QuickBooks, Xero, NetSuite, Gusto and Bill.com. If your systems are holding you back, I’ll recommend practical, affordable improvements.
Is there a long-term contract?
Engagements are month-to-month after an initial onboarding period. If I’m not adding clear value, you shouldn’t be paying for it.
Let’s get your numbers working for you.
Book a free, no-pressure 30-minute call. We’ll talk through where your business is today, what’s keeping you up at night, and whether fractional CFO support is the right fit.