Outsourced CFO
Someone to think through the big decisions with, before you make them. You get CFO-level judgment from a CPA who knows how your whole business runs, without a full-time hire.
Why It Matters
Senior financial thinking, sized for a business your size.
There is a point in every growing business where the decisions get harder. Pricing a job, making a big hire, taking on a loan, moving into a new market. The question shifts from what happened last month to what you should do next, and that is a different kind of question.
Most small businesses can't justify a full-time CFO for these decisions. A six-figure hire doesn't pencil out yet. But making big calls on instinct alone is expensive too, and harder to recover from. Fractional CFO work fills that gap. You get senior financial thinking when you need it, structured around how your business runs.
We bring a CPA's perspective to every conversation, so we see the books, the cash flow, and the risk in one picture. The tools we use keep the work efficient. The judgment is what you are paying for.
What's Included
How We Work
We start by getting to know your business. What you sell, how you grow, what keeps you up at night, where the books and the operations connect.
We set up the dashboards, forecasts, and KPIs that fit your business, built on your real numbers so you will use them to make decisions.
We meet monthly for 90 minutes to two hours, plus a quarterly planning session, with an agenda tied to your goals.
Time-sensitive decisions don't wait for the next meeting. You can call us between sessions for the questions that need an answer this week.
When It's Time for a CFO
You have moved past the early-stage chaos but can't justify a full-time CFO yet. That gap is where fractional CFO work lives.
You can't predict next month's cash position, which makes hiring, inventory, and capex decisions stressful. A working forecast solves this.
Lenders and investors want forecasts, dashboards, and clean numbers. We prepare the materials and walk you through the narrative.
Margin analysis tells you which customers, services, or products are profitable. Many small businesses are surprised by what they find.
A new location, a new service line, an acquisition. We model the scenarios so you know what each path costs and what it pays back.
Sometimes the value is just having a CPA in the room when you make the call. A second set of eyes that knows your numbers and your business.
Pricing
CFO engagements are priced as a flat monthly retainer. The number depends on how often we meet, how complex your business is, and what kinds of projects you need help with. Because the retainer is flat, you never feel a meter running when a time-sensitive question comes up between sessions.
We walk through your situation in a 30-minute conversation and quote the work before you commit to anything, with no pressure either way.
Book a Free ConsultationCommon Questions
We quote outsourced CFO engagements after a free initial consultation. The retainer depends on how often we meet, how many systems we are reporting against, and the kinds of projects you need help with. It is quoted as a flat monthly rate, so you know the number before we start and the clock is never running between sessions.
Bookkeeping records what already happened and gives you accurate financial statements. CFO work uses those statements to make decisions about what to do next. The two are complementary. If your books are not in good shape, we usually start there before adding CFO services.
Most engagements include one structured monthly working session of 90 minutes to two hours, a quarterly planning session, and ad hoc availability between meetings for time-sensitive decisions. Total hours vary by engagement and we scope that with you up front so the retainer matches the work.
Yes, when it makes sense. We are based in Lafayette, IN and meet with local clients in person regularly. For clients outside the area, we work remotely with the same rhythm and quality.
Yes. We prepare board packets, investor updates, and lender packages when those are part of the engagement. We help you decide what to include, format it cleanly, and walk you through the narrative before you send it.
Most engagements run six to twelve months as a minimum, with many continuing year over year. The value compounds as we get to know your business and your numbers. There is no long-term contract. You can stop at any time.
Book a free 30-minute conversation. We will walk through your situation and quote the work before you commit.