Most small businesses do not need a full-time CFO. They need someone who can tell them what the numbers mean and what to do next. That is the job.
A bookkeeper tells you what happened last month. A fractional CFO uses that record to answer the questions you are actually stuck on: can I afford this hire, is this client worth keeping, will cash hold through the slow season.
The work is part-time by design. A small business rarely needs a finance leader forty hours a week, but it does need one a few hours a month, every month, looking at the same numbers and noticing when something moves.
We do this alongside the bookkeeping rather than on top of someone else's messy ledger, which is why the forecasts hold up. If the operational side is the bigger problem, that is consulting work instead.
A rolling forward view of what is coming in and going out, so you know months ahead whether payroll and payables are covered.
A walkthrough of your profit and loss, balance sheet, and margins, in plain language, with the two or three things that actually changed.
Which services and clients make money and which quietly do not. Most owners are surprised by at least one line.
Model the hire, the equipment, the new location. See what it does to cash before you commit to it.
A finance person to call when something comes up between reviews, instead of guessing or waiting for your accountant in April.
Bring whatever you have. We will tell you honestly whether you need a fractional CFO yet, or whether cleaning up the bookkeeping gets you most of the way there.
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