Fractional CFO
Budgeting, cash flow forecasting and financial analysis to help you plan ahead, without a full-time CFO’s salary.
What we work with
Overview
A clean set of books is a record, not a plan. Growing businesses reach a point where the questions are forward-looking, and answering them needs someone senior enough to interpret the numbers rather than only produce them. That is the gap this service fills, at the fraction of a full-time hire that most businesses actually need.
A clean set of books tells you what happened. It does not tell you whether you can afford the hire, what the cash position looks like in March, or which of your product lines is actually carrying the others.
Fractional CFO support covers budgeting and rolling forecasts, cash flow planning, management reporting built around the questions you actually ask, and scenario modelling before a decision is made rather than after. The same review standard applies: analysis is prepared by a qualified accountant, reviewed by a manager, and approved by a partner.
Scope
Annual budgets and rolling forecasts built from your actual operating drivers.
Short and medium-term cash forecasting, with visibility on the pinch points.
A monthly pack that answers the questions you actually ask, not a generic template.
Margin, unit economics and variance analysis against plan.
Hiring, pricing and expansion decisions modelled before they are made.
Reporting prepared for the people who ask the hardest questions.
What changes
Rolling forecasts built from your real operating drivers, not last year plus ten percent.
The pinch points identified early enough to do something about them.
Hiring, pricing and expansion scenarios costed before they are committed to.
How we work
One qualified person assigned to your firm, working in your software and following your checklists.
A second qualified review against your own review points, before the file comes back to you.
A partner signs off every deliverable, so you always know who is responsible for the work.
Questions
It is scoped to the business. Most engagements run on a set monthly commitment agreed up front, scaling up around a raise, an audit or a board cycle.
No. It sits on top of bookkeeping. The analysis is only as good as the underlying records, so we will tell you if the books need work first.
A qualified accountant prepares the analysis, a CPA manager reviews it, and a partner approves what reaches you. Same chain as every other service.
Yes. Reporting is prepared for that audience, and a partner can join the conversation where it helps.
Industries
The same service reads differently depending on whose books it is. These are the sectors we work across.
Next step
Thirty minutes, free, with one of our partners. Bring your volumes and we will tell you plainly whether we are the right fit.
No obligation. A partner replies, not a sales team.
