Flagship service
Fractional CFO Services for Growing Small Businesses
Strategic financial guidance for owners who've outgrown DIY finances but aren't ready for a $200K full-time hire.
We translate the language of finance into decisions you can make (pricing, hiring, cash, growth) so the numbers start working for you instead of against you.
The in-between stage
You've outgrown DIY finances, but you're not ready for a $200K CFO.
You're the CEO, the head of sales, the head of operations, and now you're supposed to be the CFO too. You can read a P&L. You know the general shape of your business. But the reports you're getting aren't telling you what you need to know, and the decisions you're about to make would all land better with clear financial visibility.
Hiring a full-time CFO at this stage rarely makes sense. The salary alone is more than most growing small businesses can justify, and honestly, you don't need forty hours a week of CFO work. You need someone who shows up every month, gets deep into your numbers, and tells you which ones actually matter.
That's what a fractional CFO is for. And if your business is in construction, the trades, or a professional services firm in that $500K–$10M range, that's exactly what we do.
What's included
Every engagement is built around what actually moves your business
Scope stays tight. We do the CFO work that matters most for where you are, not a fixed menu.
Cash flow management & 13-week forecasting
A rolling look at where cash actually is and where it's headed, with enough lead time to do something about it.
Financial reporting & KPI dashboards
Monthly P&L, balance sheet, and a dashboard of the 5–10 metrics that actually move your business.
Budgeting & forecasting
An annual budget that connects to your strategy and a rolling forecast you actually trust.
Strategic planning & growth modeling
Models for the next hire, the new location, the expansion, before you commit the capital.
Profitability analysis
Which products, services, clients, and projects actually make money, and which ones are quietly costing you.
Board, investor & lender reporting
Clean, credible packages for your bank, your bonding company, or your board, on the cadence they need.
Pricing strategy & margin optimization
Where you've got room to raise prices, where margin is leaking, and how to defend the numbers when you do.
Sustainable growth rate analysis
How fast your business can actually grow without breaking cash, team, or quality.
Who it's for
Is this the right fit for your business?
A fractional CFO engagement makes the biggest difference for businesses in the in-between stage: past startup, not yet mature.
- Revenue in the $500K–$10M range (some larger, some smaller, scoped to fit)
- Growing and making real decisions about hiring, pricing, capacity, or expansion
- Frustrated with financial reports that don't answer the question you're actually asking
- Wondering whether the business can afford the next step, or whether it should take the step anyway
- Tired of finding out about cash problems two weeks after they started
- Ready to run the business from the numbers, not from instinct alone
Methodology
Proven frameworks, applied to your business
We draw on a few well-established frameworks that happen to work well for small businesses: Profit First for operating cash discipline, Scaling Up for strategic execution, and the seven levers of cash for working-capital optimization.
None of these are silver bullets. They're tools. Which ones matter for your business, and how we tune them, depends entirely on where you are. The frameworks are a starting point, not a script.
Engagement & pricing
Pricing
Engagements typically start at [PRICING_TBD]/month, scoped to your business. We match the scope to what actually moves the needle. Not every business needs every lever pulled at once, and we'd rather start tight and expand than bundle in work you don't need.
How it works
Four steps from hello to ongoing CFO partnership
Free Strategy Call
30 minutes on Calendly. We learn about your business, you tell us what's on fire, and we figure out together whether this is the right fit. No pressure.
Financial Diagnostic
We dig into your books, identify leaks and blind spots, and build an honest picture of where your business actually is today, not where you think it might be.
Strategic Roadmap
A clear 90-day plan with priorities, timelines, and expected impact. You'll know what we're changing first, why, and what to expect from it.
Ongoing CFO Partnership
Monthly cadence, always-on access via email, quarterly deeper reviews. We're in your corner month after month, not a one-and-done.
Industry experience
We know what your industry actually looks like from the inside
Construction and the trades are our deepest specialty. Law firms, especially IOLTA trust accounting, are a close second.
Primary specialty
Construction & the Trades
WIP, retainage, job costing, change orders, bonding, seasonal cash flow: we already speak the language.
See how we work with constructionSecondary specialty
Law Firms
Partner comp, realization, practice-area profitability, and IOLTA trust accounting most bookkeepers can't handle.
See how we work with law firmsNot sure where to start?
Take the 5-minute Profit Leaks Assessment and get a personalized report.
Frequently asked questions
Common questions, honestly answered
Your next move
Let's see if we're the right fit.
A free 30-minute strategy call. You tell us what's going on, we'll tell you honestly whether a fractional CFO is the right answer, and whether we're the right firm.