Fractional CFO Services for $5M–$50M Companies
Fractional CFO
The finance department you'd build if you were three times bigger.
Somewhere past $5 million in revenue, "revenue minus expenses" stops being enough. The bank wants forecasts. Buyers want a clean multiyear story. Growth eats cash faster than the P&L admits. And the owner, you, is still the one doing the finance at 10 p.m.
Fractional CFO services fix that without the $250,000 hire. You get a CFP®-led team that has spent twenty-plus years in banking, capital advisory and financial analysis, working inside your business on a schedule: bi-weekly check-ins, monthly check-ups, quarterly zoom-outs. We run the numbers. You run the business.
Forecasting and FP&A
A rolling 12–24 month forecast, updated as the business moves, tied to the decisions in front of you: hire or wait, buy the equipment or lease it, take the draw or leave it in. We calculate the return you're actually getting on the money you leave in the business, and what it should be. (Most owners have never seen either number.)
Cash flow and banking
A cash forecast you can plan your life around, a shorter cash conversion cycle, and AR/AP that stop fighting each other. Then the part a former banker brings: we get you loan-ready before you ever call the bank, contact multiple banks on your behalf with the due diligence already done, and make sure you have more than one banking relationship, because that's how you get the best deal from every one of them.
Profit strategy and capital structure
Every dollar of profit has to answer three questions: does it go to you, to the bank, or back into the business? We benchmark your gross margin against your industry (it's the one number we'd ask for if we could only see one), decide the debt-equity blend that fits your size and risk, and set the working capital reserve that lets you sleep.
Exit readiness, from day one
Whether the sale is next year or in fifteen, a fractional CFO's job is to make sure the numbers are building the track record a buyer will pay for. We set your Target Valuation, what the business has to be worth to fund the life after it, and manage toward it every quarter.
How it works
Our C.A.S.E.™ process: Collect what success looks like for you and the business. Analyze the metrics, value drivers and risks. Solve with a short-term plan (24 months or less) and long-term goals. Execute alongside you: 30–60 minute check-ins every two weeks, a 60–90 minute monthly check-up, and a half-day zoom-out each quarter. The first 90 days is the deep dive; the next 270 is the rhythm.
Who it's for
Owner-led companies between roughly $5M and $50M in revenue: trucking and logistics, manufacturing, contractors and home services, professional practices, distribution, and family businesses in their second generation and beyond. If you have a bookkeeper and a CPA but nobody looking forward, this is the missing seat.
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Nothing meaningful. "Fractional" describes the time (a fraction of a week); "outsourced" describes the employment (not on your payroll). Both mean senior finance leadership on a retainer instead of a salary. We use the terms interchangeably.
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Your bookkeeper records what happened. Your CPA reports it and files it. A CFO decides what should happen next: forecasts, capital, cash, pricing, exit. Most $5M–$50M companies have the first two and not the third.
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Less than a full-time CFO and more than a bookkeeper. Engagements are scoped after a first conversation, based on the size of the business and how much of the finance seat you need filled. There's no charge for that conversation.
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Yes. We're in Columbia, SC, and about half of our clients are elsewhere in the Southeast and the U.S. The check-in rhythm works over Zoom; the quarterly zoom-out is better in person when we can manage it.
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Yes: finance-driven, outsourced but not offshored. See our outsourced accounting page. Many CFO clients start there.
They’re my outsourced CFOs… they’re thinking about whether these decisions fit my values and what’s going to benefit my business 5, 10, even 25 years down the road.”
Ashley, business owner, after 100% revenue growth
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