Fractional CFO

Financial guidance beyond bookkeeping. Help with forecasting, pricing, cash flow, and the decisions that keep you up at night.

The Questions Bookkeeping Doesn't Answer

Your books are clean. You know what you made last month. But you’re still stuck on the decisions that actually matter. Can you afford another employee? Should you buy that truck or lease it? Why is cash always tight when revenue is up? What happens if you lose your biggest client next quarter?

Bookkeeping looks backward. It tells you what happened. CFO work looks forward. It helps you figure out what to do next.

Cash Flow Forecasting

Not just what’s in the account today, but what it’ll look like in 30, 60, 90 days. Know when a crunch is coming before it arrives.

Scenario Planning

What if you raise prices 10%? What if that big contract falls through? What if you hire now vs. wait until spring? Real numbers, not guesses.

A CFO You Can Actually Afford

A full-time CFO costs $150,000 a year minimum. That makes sense when you’re doing $20 million in revenue. It makes no sense when you’re doing $2 million. But the questions don’t wait until you’re big enough to afford the title.

Fractional means you get the thinking without the salary. A few hours a month with someone who understands your numbers and can help you make sense of them. When a big decision comes up, you have someone to call.

Monthly Check-Ins

Review the numbers, talk through what’s coming, plan for what’s next. Regular enough to stay useful, not so frequent it becomes overhead.

On-Call When It Matters

A loan application, a big bid, a partnership offer. When something comes up that needs financial thinking, you have someone to work through it with.

What This Looks Like in Practice

A contractor trying to figure out if he’s actually making money on residential jobs or just staying busy. A restaurant owner who needs to understand why food costs keep creeping up. A service company deciding whether to take on debt for new equipment or wait another year.

These aren’t accounting questions. They’re business questions with financial answers. We dig into the numbers, build out the options, and help you make a decision you can defend.

Pricing and Margins

Are you charging enough? Which jobs actually make money? Where’s the margin disappearing? Sometimes the answer is in the books, you just need someone to pull it out.