Fractional CFO
Strategic financial leadership without a full-time hire. We bring CFO-level thinking to your major decisions, growth planning, and capital strategy. Executive reporting and ongoing guidance to help you move forward with confidence.
What This Is
A bookkeeper records what happened. An accountant files your taxes. A CFO looks ahead and helps you decide what to do next. The job is strategic, not transactional. It involves analyzing growth opportunities, modeling scenarios before you commit capital, and making sure your financial decisions actually support where you want the business to go.
The problem is that a full-time CFO costs $200,000 or more per year. Most small businesses in the MetroWest area cannot justify that salary but still face decisions that require that level of thinking. A fractional CFO gives you the expertise on a part-time basis at a fraction of the cost.
The Work
The Work
Financial strategy and planning. Pricing analysis and margin improvement. Capital allocation decisions. Cash flow forecasting and scenario modeling. Growth planning with realistic projections. Executive-level reporting that shows where the business stands and where it is heading.
The Relationship
The Relationship
We meet regularly to review performance and discuss upcoming decisions. When something comes up between meetings, you have someone to call. This is not a one-time engagement. It is an ongoing relationship with a financial leader who knows your business and your goals.
Why It Matters
Clean monthly books tell you where you have been. They do not tell you whether you should take on that large commercial project, add a second crew, or lease new equipment. Those decisions require a different kind of analysis. They require someone who can model what happens if the job runs over budget, if the new hire takes six months to become productive, or if interest rates change before the equipment is paid off.
Businesses reach a point where the decisions get bigger and the margin for error gets smaller. A contractor pricing a $500,000 job needs to understand true costs and acceptable margins. A service business considering expansion needs to know how much cash runway they actually have. Getting these wrong can set you back years.
The Stakes
The Stakes
Major financial decisions made on gut feeling or incomplete information tend to go wrong. Pricing jobs too low to win work erodes margins. Growing too fast without the cash to support it creates crisis. Buying equipment you cannot really afford ties up capital you need elsewhere.
The Timing
The Timing
Most businesses reach this point somewhere between $1 million and $5 million in revenue. The decisions at that stage are too consequential for guesswork but not large enough to justify a full-time CFO. That is exactly where fractional makes sense.
What Changes
You stop making major financial decisions alone. When you are considering a large job, an expansion, or a significant purchase, you have someone who can build out the scenarios and pressure-test your assumptions. You see what happens to cash flow under different outcomes before you commit.
When a bank, investor, or potential partner asks about your financial strategy, you have clear answers backed by real analysis. You are not scrambling to explain your numbers. You are presenting a business that knows where it is going and has a realistic plan to get there.
Better Decisions
Better Decisions
You know the numbers before you say yes. Pricing reflects true job costs and acceptable margins. Growth plans are built on realistic cash flow projections. Major purchases are evaluated against their actual return, not just their appeal.
A Clear Direction
A Clear Direction
Instead of reacting month to month, you have a financial roadmap. You know your targets, your constraints, and your options. When opportunities arise, you can evaluate them against a strategy rather than making isolated decisions.
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The Next Step:
A Short Conversation
We'll ask a few questions, figure out what you need, and give you a straightforward quote.