Most businesses between $1M and $20M need CFO judgment several times a month and cannot justify a $250,000 hire to get it. Fractional gets you the judgment on the cadence you actually need it.
Fixed fees, quoted in writing. Florida licensed CPA.
It is a real gap, and most owners sit in it longer than they should.
You can see what happened. You cannot see what it means, what happens next quarter, or which of three decisions in front of you is the right one.
Growing businesses fund growth out of working capital. Profitable companies run out of cash constantly, because inventory, receivables and capital spending consume it faster than earnings replace it.
Hiring, pricing, a lease, a line of credit, an acquisition, a partner buyout. These are the decisions where being wrong is expensive and where a monthly P&L alone will not get you to an answer.
Scoped to what you need. Not every client needs all of it.
A rolling forecast tied to your actual drivers, with a 13-week cash view where cash is the constraint. Updated on a real cadence, not built once and abandoned.
What a customer, job, product or location actually contributes after fully loaded cost. This is where most pricing decisions are made on instinct and lose money quietly.
A monthly review of what you planned against what happened, and specifically why the variance occurred. The why is the part that changes behavior.
What a hire costs fully loaded, what it has to produce to pay for itself, and when the business can carry it without straining cash.
The package a bank, SBA lender or investor expects, prepared before you need it. Diligence goes badly when the financials are assembled under deadline pressure.
Approval thresholds, segregation of duties, and a close calendar. Unglamorous, and the reason most small business fraud happens in companies where one person controls the whole cycle.
Connected properly, so your books close on live data instead of month-old statements. Where we hold a certification, we say so.
General information, not advice for your situation. Outcomes depend on facts we would need to review with you.
“As a startup founder, I need people who move quickly and understand the bigger picture. Philip has completely taken the accounting and tax side off my plate.”
It is priced monthly by scope rather than hourly, so you are not deciding whether a question is worth the clock. A typical engagement is a monthly working session plus availability in between, with a heavier cadence during budgeting, a financing process or a transaction. The quote tool gives you a starting figure and we confirm a fixed monthly fee in writing.
When the volume of work justifies a full-time hire, which for most companies is somewhere north of $20M in revenue or when the finance function needs day-to-day management of a team. At that point the right answer is to help you hire and hand over cleanly rather than keep the engagement going.
No, but the forecast is only as good as the underlying data. If the books are not being closed properly, the first phase of the engagement is usually fixing that, either with us or with your existing team.
We prepare the financial package, build the model and support you through diligence. We are not a broker and we do not place capital, so we have no incentive in whether you take the money.
Then you probably want the conversation before the commitment. Book a call and describe what decisions are in front of you. If a monthly close and a good tax plan would solve it, we will tell you that.
Most firms make you book a call before they will name a price. Answer a few questions and get a real starting number in about two minutes.
