Fractional CFO
A financial co-pilot for the stage you're in.
Most growing businesses hit a point where a bookkeeper isn't enough and a full-time CFO isn't justified. That's the seat we fill — senior financial leadership, sized to your business.
Most growing businesses hit a point where a bookkeeper isn't enough and a full-time CFO isn't justified. That's the seat we fill — senior financial leadership, sized to your business.
You've built something real. But the financial questions keep getting bigger — cash flow is harder to predict, margins move and you're not sure why, and the next phase (a raise, a hire, an acquisition) needs more than a monthly P&L. You need someone in the numbers with you.
A Fractional CFO gives you the strategic financial leadership of a full-time CFO — clarity in your numbers, control of cash, stronger profitability, and a disciplined plan for growth — without the cost or overhead of a permanent hire. You invest in outcomes, not a job title.
Cash-flow forecasts, 3-statement models, and scenario planning so you decide with conviction.
Stabilize cash, shorten cycles, and always know your runway and your levers.
Bank-ready financials and a borrowing narrative a credit committee can follow.
Sound, simple financial controls grounded in GAAP — protection without bureaucracy.
Find where margin leaks, fix pricing, and turn growth into profit.
A senior partner in your corner — reporting, KPIs, and decisions, every month.
You likely need a bookkeeper and a CPA. A CFO is a different seat.
Transactions, payroll, and clean books. Tells you what already happened.
Taxes, compliance, and year-end. Keeps you in good standing with the IRS.
Tightens reporting and process. Strong on accuracy, lighter on strategy.
Interprets the numbers and drives growth, cash, capital, and pricing — with a banker's lens on funding.
Run a recurring-revenue tech business? See how we work with MSPs & IT services and SaaS companies.
We immerse in your model, financials, and goals.
We define deliverables and what winning looks like.
We build models, fix cash, install controls, deliver insight.
Ongoing monthly strategy and senior guidance as you scale.
A short note is enough. We'll review and come back with a clear first step.
Go deeper on the decisions this work supports.
Bookkeeper vs CPA vs controller vs CFO, the five metrics worth tracking, and why profit and cash diverge.
How flexible contract terms keep deals closing when clients stop committing long.
Why waiting out the uncertainty costs more than moving, and how to spend against a real constraint.
Fractional CFO work is priced as a monthly retainer sized to the time and complexity your business needs, and defined projects can be quoted as a fixed fee. We scope and quote before any work starts, so there's no open-ended meter. If you need help with one decision rather than ongoing support, CFO Lite is the project-based option.
Usually when revenue is growing but cash is harder to predict, when a loan, raise, acquisition or sale is coming, or when decisions have outgrown what your bookkeeper and CPA can answer. Most businesses reach that point somewhere between $500K and $20M in revenue.
A controller makes sure the numbers are accurate and the close runs on time. A fractional CFO uses those numbers to decide what happens next: cash strategy, pricing, capital, forecasting and growth. Many growing businesses need the CFO view before they need a full-time controller.
We're based in Pottstown, PA, and work with businesses across Montgomery, Chester, Berks, Bucks and Delaware counties and the greater Philadelphia area, as well as New Jersey and New York. Many engagements run remotely, with in-person sessions when they matter.
Yes. Managed service providers, IT services firms and SaaS companies are a particular focus, because recurring-revenue businesses are valued differently. See our pages for MSPs and IT services and SaaS companies.
Minimal. We integrate with your bookkeeper and accountant, work largely independently, and keep a light cadence — typically a weekly check-in and a monthly strategy session.
Most run 3–12 months, flexible to your goals. Some start with a focused build (a model, a raise) and move into ongoing monthly support.
No — we complement them. They keep the books and handle tax; we handle strategy, cash, capital, and decisions. We don't provide tax or legal advice.
Then CFO Lite may be the faster, lower-cost fit. We'll tell you honestly which one makes sense.
Take the 60-second fit check or book a call — either way you'll leave with a clear next step.
You’re chatting with an AI assistant, not a person. Your conversation is recorded and stored so we can follow up; by continuing, you consent to this. Privacy Policy