Fractional CFO support for owner-operators with acquisition debt to service and a business to learn. 13-week cash flow forecasting, real dashboards, and a strategic partner for the bigger calls, at a fraction of a $150K+ hire.
CFO support carries you from first-year survival to growth, the next deal, and the exit.
Almost every buyer hits this in the first six months: the P&L matches the model, but the bank account doesn’t. Debt service, working capital swings, and seller-era habits eat cash in ways a backward-looking report never shows. A CFO’s job is to see it coming 13 weeks out.
A rolling forward view of cash, with your SBA payment, payroll, and seasonal dips mapped, so you're never surprised by a tight week.
We track debt service coverage the way your lender does and plan distributions, capex, and hiring so the loan never gets in the way of the business.
Revenue and margin trends, profit by job or location, payroll and AR side by side, rolling 12-month performance. The picture of how the business is performing, not just where it landed last month.
Pricing changes, key hires, a second location, the next acquisition, or the eventual exit, modeled against your actual numbers before you commit.
Forecasts built on messy books are fiction. Most CFO clients pair this with our bookkeeping and accounting, so the numbers your CFO models are the numbers your taxes are filed on.
Bookkeeping records what happened; accounting organizes and reports it. CFO work uses that foundation to answer forward-looking questions: can I afford this hire, what happens if revenue slows two months, how do I structure the next acquisition? It looks forward, and that’s where the strategic value lives.
Year one is when it earns its keep: you’re servicing debt, learning the business, and making decisions with the least history to go on. Some owners start monthly and move to quarterly once the business runs predictably. We recommend the cadence you need, not the most expensive one.
A full-time CFO typically runs $150,000 to $250,000 a year before benefits. Fractional support delivers the same level of thinking scaled to a $500K-$5M business. Most buyers at this size need CFO-level thinking, not CFO-level headcount.
Yes, that’s the “beyond” part. We’ve been the buyer and the seller. When you’re ready for deal two or preparing to exit, the diligence, structuring, and clean history are already in-house.
Book a free consult. We’ll look at your cash position and tell you what a first forecast would show.
