Fractional CFO services for growing companies.

Who this is for

Fractional CFO engagements fit owners whose business has outgrown gut-feel finance but doesn’t yet justify a $200,000+ executive hire. The pattern is familiar: revenue is real, the team is growing, and yet cash feels tight every month; the bank wants statements you don’t have; pricing, hiring, and expansion decisions are being made without a financial model behind them. If any of that sounds like your Tuesday, this is the engagement for you.

Our clients include operators of service and construction businesses, hospitality owners, real estate investors, nonprofits, and companies preparing for a sale. Some come to us for one loan and stay for the leadership; others start with a retainer and add loan advisory when it’s time to borrow.

What’s included

• Executive advisory. A standing seat at your leadership table: pricing, hiring, market expansion, and long-term financial strategy aligned with where you want the business to go.
• Financial planning & analysis. Rolling cash-flow forecasting, budgeting and variance analysis, liquidity planning, working-capital optimization, and “what-if” scenario modeling for growth, hiring, or market changes.
• Reporting & performance metrics. Monthly financial statement review with written commentary, KPI dashboards, and board- and investor-ready reporting packages.
• Systems & process improvement. Recommendations on financial tools and infrastructure, internal control improvements, and accounting oversight coordination.
• Stakeholder liaison. We speak banker fluently: liaison with your lenders, external accountants, auditors, and investors — including preparation for credit renewals and covenant reporting.
• Access. Weekly or bi-weekly structured meetings, plus email and phone access in between for anything urgent.

The process

1. Diagnose. A no-cost intro call, and where useful, our free accounting & banking self-assessment — so we understand the real state of your books, controls, and banking before proposing anything.

2. Scope. A written proposal with the deliverables, cadence, and fee structure spelled out — you’ll know exactly what you’re buying and what it costs before you sign.

3. Stabilize, then build. Early months typically fix the foundations: current books, a cash forecast you can trust, and reporting that ties out. From there the work turns forward-looking — growth planning, financing, and the decisions that move the number that matters to you.

How we charge

Fractional CFO work runs on a monthly retainer — a predictable fixed fee scoped to your company’s size and cadence. When an engagement includes placing financing, the contingency structure applies to that work: a tiered percentage of financing closed — 2.00% on the first $5M, stepping down as the deal grows — and no funding means no fee. Structures are published openly on our fees page; exact numbers are quoted after diagnosis, in writing.

Frequently asked questions

What does a fractional CFO cost compared to a full-time hire?

A full-time CFO in Florida typically costs $200,000 or more a year with benefits. A fractional engagement delivers the same leadership functions for a fixed monthly retainer scoped to your needs — usually a small fraction of a full-time salary, with no recruiting risk and no severance.

How is this different from my CPA or bookkeeper?

Your bookkeeper records what happened. Your CPA reports it and files the taxes. A CFO decides what should happen next — pricing, hiring, borrowing, cash strategy. We work alongside your existing bookkeeper and CPA, and if you need the bookkeeping layer too, we provide it in English and Spanish.

How fast can we start, and how fast can we stop?

Most engagements start within two weeks of a signed proposal. Retainers run month to month after an initial term — we keep clients by being useful, not by locking them in.

Do you work with nonprofits?

Yes — it’s a specialty. Our team includes the former Controller of a $600M diocesan financial environment; fund accounting, restricted-fund compliance, and board reporting are home turf.