Fractional CFO Services & Financial Advisory
Our Fractional CFO services provide startups and growing SMBs with elite financial leadership. We combine our 13-week AI cash flow forecasting technology with dedicated, US-based senior controllers and CFOs. Whether you are preparing for a Series A fundraise, negotiating a debt facility, looking to expand margins, or simply need monthly board reporting, our fractional CFOs act as your strategic partner. We bridge the gap between reactive bookkeeping and proactive financial strategy, saving you hundreds of thousands in executive overhead.
What's Included in This Service:
- Dedicated US-based Fractional CFO & Controller
- Dynamic 13-week cash runway and burn rate modeling
- Monthly investor & board reporting packets
- Unit economics (CAC/LTV) & margin expansion strategy
- Fundraising, M&A due diligence, & bank loan advisory
- Budget vs. actual variance analysis & departmental budgeting
OCR receipt matching and transaction ingestion run 24/7 without manual lag.
Weekly plain-English cash snapshots and forward-looking projections.
Senior CPAs & controllers audit every account and validate strategy.
Common Questions About Fractional CFO Services & Financial Advisory
Q:What is a Fractional CFO?
A Fractional CFO (Chief Financial Officer) is an experienced financial executive who provides high-level strategic, financial, and operational guidance to businesses on a part-time or contract basis. They offer the same expertise as a full-time CFO—such as cash flow forecasting, fundraising, and financial modeling—but at a fraction of the cost.
Q:How much does a Fractional CFO cost vs a full-time CFO?
A full-time in-house CFO typically costs between $200,000 to $400,000+ per year including benefits, equity, and bonuses. A Fractional CFO through CashFlowCalm typically costs between $2,000 to $8,000 per month, depending on the scope of services, saving companies over 70% in executive overhead while delivering identical strategic value.
Q:When should a startup or SMB hire a Fractional CFO?
Companies usually hire a Fractional CFO when they cross $1M in ARR, are preparing for a capital raise (Seed or Series A), are facing cash flow constraints, or need complex financial modeling that their standard bookkeeper or CPA cannot provide.
Q:What is the difference between a Bookkeeper, a CPA, and a Fractional CFO?
A bookkeeper records historical transactions (what happened in the past). A CPA focuses on tax compliance and audit-ready reporting (making sure the past is legal). A Fractional CFO focuses on the future—creating financial models, optimizing cash runway, and designing strategies to scale the business profitably.