CFO-level thinking, sized for your business

When does a business need a fractional CFO?

Around $1M revenue, where the owner can no longer hold the full picture in their head but can't yet justify a full-time CFO (~$200k+ all-in). At that stage, a fractional CFO 4–8 hours per month adds the discipline of a finance function without the cost — and uses the same firm that already knows your taxes and books.

Below $1M, business advisory is usually right-sized. Above $25M, you typically need full-time finance leadership and we shift to advising the in-house team.

How is this different from a bookkeeper or accountant?

Bookkeeping is what happened. Accounting is the rules around what happened. CFO is what's about to happen — and what you do about it. We're a CPA firm offering fractional CFO services, which means the same firm that knows your tax position is the one modeling your decisions. No translation layer.

What decisions actually use the CFO work?

Hiring plans (when does the next hire pay for itself?), real estate decisions (buy vs. lease the office), equipment purchases (section 179 vs. lease), pricing changes, owner-comp restructures, capital calls, lender renegotiations, succession planning, and acquisition modeling. The model is the basis for all of it.

Is this monthly or by the project?

Monthly retainer is the default — it's where the value compounds. We offer project-based engagements (cash-flow model build, capital decision, lender package) for businesses that want to test before committing.