Senior financial strategy, without the full-time price tag.
For businesses past $2M in revenue, our Fractional CFO service brings cashflow forecasting, tax optimization, and hands-on business strategy - the kind of guidance that usually only comes with a six-figure hire. Delivered by senior people who have run a business themselves, on a rhythm scoped to yours.
What a Fractional CFO actually delivers
Cashflow forecasting is usually where we start, because it’s where the anxiety lives. Strong revenue with unpredictable cash is one of the most common patterns we see at this stage. Money arrives in lumps, leaves on schedule, and every growth decision feels like a gamble. A rolling forecast turns that into a plan: you’ll know your position weeks and months out, and you’ll see problems while they’re still cheap to fix.
Tax optimization runs underneath everything. Compensation structure, purchase timing, corporate structure, how profit moves between you and the company. Every one of these has a tax consequence, and by year-end most of the levers are already locked. Integrated year-round planning means the levers get pulled while they still move.
Financial visibility means reporting built for an owner, not an auditor. Each month you get the numbers that matter, in plain language, with the “so what” attached: what changed, why, and what we recommend. If you’ve ever nodded through a financial statement without really absorbing it, this alone changes how you run the business.
Business strategy support is the standing part of the engagement. Thinking about acquiring a competitor, opening a second location, or raising prices? Those conversations don’t wait for a quarterly review. You bring them to us when they’re live, and we work them through with you.
Signs it's time for a fractional CFO
Our Fractional CFO engagement gives you consistent, hands-on financial leadership tailored to your business, not a generic template. If any of these sound familiar, it may be time for a fractional CFO:
None of these mean the business is failing. They mean the business has outgrown the financial infrastructure it started with. That’s a milestone, not a crisis, and it’s fixable faster than most owners expect.
How your business changes with a fractional CFO
Every business starts in a different place, so we don’t hand everyone the same package. We fix the foundation first, then build visibility, planning and growth on top of it. The support grows as your business does, and you never pay for strategy while the numbers underneath it are shaky.
Books you can trust. We clean up your books, resolve back taxes or CRA issues, and get your accounting software set up properly. You stop guessing where you stand.
Cashflow you can see. You get regular reporting you actually understand: cashflow forecasts, margins and tax exposure. You know where the money is going before it’s gone.
Decisions you can defend. Hiring, pricing, purchases and tax planning get tested against the numbers first. Tax stops being a year-end scramble and becomes part of every decision.
Growth you can fund. As you take on bigger moves, such as expansion, new locations or financing, we build the forecasts and reporting that lenders and partners will trust.
Answers before you even ask
How is this different from a bookkeeper?
A bookkeeper records transactions; a fractional CFO interprets them and builds strategy around them. Both matter – clean books are the raw material – but recording what happened and deciding what to do next are different jobs requiring different seniority. Most CFO clients keep a bookkeeping layer (ours or their own) underneath the engagement.
Do I need to switch accounting software?
Almost certainly not. We’re aligned with Xero and fully support QuickBooks Online, so we build the CFO layer on top of the system you already run. If your current setup is genuinely limiting visibility, we’ll show you the case for changing with real costs and timelines and let you decide.
What does engagement look like month to month?
A predictable rhythm: monthly reporting with a working session to walk through it, an updated cashflow forecast, and open access between meetings for live decisions. When something urgent comes up – a CRA letter, an acquisition conversation, a hiring call – you don’t wait for the next scheduled meeting.
What results should I expect, and how fast?
Visibility comes first: most clients have a working forecast and readable reporting within the first month or two. Structural wins like tax optimization compound over the first full year, since many levers are tied to fiscal-year timing. We set expected outcomes in the strategy build so progress is measured against something concrete.
Is my business big enough for this?
If you’re past roughly $2M in revenue, almost certainly. If you’re under it, the honest answer is usually “not yet”: start with Accounting Services, build the foundation, and add the CFO layer when the complexity arrives. We’ll tell you which side of that line you’re on in the first call.