Cash Flow · Reporting · Capital Strategy · Remote-First
The financial brain your business is missing — a few hours a month.
Between needing a bookkeeper and needing a $200K/yr CFO, there’s a gap. Fractional CFO services close it: a senior financial brain on retainer, available a few hours per month, integrated with your existing books, focused on the decisions that move your numbers forward.
What’s included
Senior financial thinking, on a fractional cadence.
A retained engagement covers the recurring rhythms (close, cash, KPIs) plus the strategic conversations that change how you operate.
- Monthly close reviewWe sit on top of your existing books, reconcile to source, and produce a clean management report.
- 13-week rolling cash forecastFor businesses with cash-flow sensitivity — updated weekly, used to make actual decisions.
- KPI dashboardTailored to your business model: SaaS, agency, e-commerce, services, real estate — metrics that matter, not vanity.
- Quarterly strategic reviewRevenue, margin, runway, hiring, pricing — structured conversations with the founder.
- Capital strategyLender package preparation, debt vs equity advisory, term-sheet review.
- Banking and lender supportRelationship-management with your current bank, refi or new-debt evaluations, covenant tracking.
- Investor reportingFor funded businesses or those approaching a raise — structured reporting that tells the story your numbers tell.
- Pricing & gross margin analysisService-line and SKU-level profitability; pricing reviews; margin protection.
- Headcount & hiring planningCost-of-hire models, runway impact, role sequencing.
- M&A and exit supportLight scope on diligence and offer evaluation; deeper scopes per matter.
Who this is for.
Founder-led businesses in the $1M–$10M range; agencies, e-commerce, professional services, and B2B services firms; companies preparing for a capital raise or sale; companies with a competent bookkeeper but no senior financial sounding board. If your books are clean but your decisions feel like guesses, this is the service for you.
How it works
From scoping to compounding.
Scoping Call
Free 45-minute conversation. We review your stage, books, and current decision-making rhythm. We tell you whether fractional CFO is right for you — and at what cadence.
Onboarding (30 days)
Access to your accounting platform, baseline KPI dashboard build, first close review, and 13-week cash model setup. You see the model on day 30, not day 90.
Monthly Cadence
Monthly close review and management report. KPI dashboard updated. Working session with the founder to address what the numbers are saying.
Quarterly Strategic Review
Step back, look forward. Margin, runway, hiring, pricing, capital. Recommendations documented and tracked.
Pricing.
Retained engagements scale with your stage and the cadence we agree on.
Project engagements (one-off forecasts, raise prep, diligence support) are scoped and quoted separately.
$750per month · from
Every project is priced so the tax liability savings and financial clarity exceed the cost of our fees.
“James consistently demonstrates a thoughtful and creative approach to achieving results, always keeping his clients’ best interests at the forefront. His commitment to service and his ability to simplify complex financial matters make him a trusted and invaluable partner.”
FAQ
Common questions.
How is a fractional CFO different from a bookkeeper or accountant?
A bookkeeper records what happened. An accountant categorizes and reports it. A CFO uses the financial picture to make decisions — about cash, capital, growth, hiring, pricing, and risk. Fractional means you get CFO-level thinking on a few hours per month, not a $200K+/yr salary.
When does my business need a fractional CFO vs a full-time one?
As a rough cut: under $1M revenue, a strong bookkeeper is usually enough. $1M–$10M revenue, fractional CFO is the sweet spot. Above $10M (or pre-fundraise / pre-acquisition), you start needing dedicated capacity. Most of our clients are in the $1–10M range.
How many hours per month is typical?
Most retained engagements run 8–20 hours/month, depending on cadence and complexity. We define the scope upfront — recurring monthly close review, quarterly KPI review, ad-hoc strategy.
What deliverables do I get?
A baseline KPI dashboard, monthly close review and management report, 13-week rolling cash forecast (for businesses with cash-flow sensitivity), and quarterly strategic review. Specific deliverables are scoped to your stage and needs.
Can you work with my existing bookkeeper or accounting team?
Yes — and we usually do. We build on top of QuickBooks, NetSuite, or Xero, and coordinate with your current bookkeeper. We don’t replace; we add the strategic layer.
What if I just need a one-off project (forecast, capital raise prep, M&A diligence)?
We do project engagements scoped per matter. Cash forecasts, lender packages, and capital prep work are common one-offs. Pricing is value-based, same as our other services.
Related services
What pairs with fractional CFO.
Tax Advisory & Planning
The CFO function and tax strategy are the same conversation seen from different angles. Most fCFO clients add advisory.
Explore advisory →Tax Preparation
Clean books and live financial visibility produce cleaner returns and better positions.
Explore tax prep →IRS Notice Assistance
If a notice arrives, we resolve it without involving you in the panic cycle.
Explore notice help →Stop guessing at the numbers behind your decisions.
The first conversation is free, candid, and useful — even if you don’t hire us.
Schedule Your Free Strategy Session