What a Fractional CFO Really Does

What a Fractional CFO Really Does

[Benefits for $2M–$30M Businesses]

For growing companies, financial complexity hits long before you’re ready to hire a full-time CFO. That’s where a Fractional CFO comes in.

A fractional CFO is a high-level financial expert who works with your business on a part-time or contract basis. You get the strategic insights of a CFO—without the full-time salary.

Here’s What a Fractional CFO Actually Does:

1. Cash Flow Management

They monitor your inflows/outflows, forecast future needs, and build systems to avoid “cash crunch” panic.

2. Financial Forecasting & Budgeting

Fractional CFOs help create dynamic forecasts so you can plan your hiring, inventory, marketing, and investments with confidence.

3. Profitability Analysis

They identify what’s working (and what’s not), so you’re not just growing revenue—you’re growing profit.

4. KPI Design & Reporting

Want to know your margins, burn rate, or revenue per head at a glance? A fractional CFO sets up dashboards and reporting that matter.

5. Investor & Lender Readiness

Need funding or better banking terms? Your CFO preps your numbers, tells your story, and builds trust with external stakeholders.

6. Team Oversight & Process Improvement

They manage your accounting team or outsourced bookkeepers, close your books monthly, and clean up messy systems.

7. Scalable Financial Infrastructure

From software selection to system automations, they make sure your finance function can grow with you.

Why $2M–$30M Businesses Benefit Most

At this stage, you’re often dealing with:

• Rapid growth without financial clarity

• DIY accounting that no longer works

• Investors or lenders asking for better reporting

• Complex decisions on hiring, pricing, or expansion

A fractional CFO bridges the gap between your current state and the level of finance leadership needed to confidently scale.

Curious what this would look like for your business?
Let’s talk strategy—without the full-time CFO price tag.