Virtual CFO · Montana
Virtual CFO services for Montana businesses
Monthly reporting, cash and runway forecasts, margin analysis and a standing review with the owner, delivered by a team of Certified Accountants, CPAs and Enrolled Agents for a fixed monthly fee. For Montana businesses that need a finance function before they can afford a full-time CFO.
Get my quote Call +1 (302) 601-0115 Book a free 30-minute call
- 447 Broadway, 2nd Floor, New York, NY 10013
- Certified Accountants, CPAs and Enrolled Agents
- Flat fees quoted upfront
- Replies within 8 hours
Get a fixed quote
Tell us the basics. We reply within 8 hours, no obligation.
The Montana numbers a CFO has to know
Forecasts are only as good as the tax and fee assumptions inside them. In Montana that means personal income tax from 4.7% to 5.9%, a 6.75% corporate income tax, no state sales tax and an annual report of $20, due Annual, April 15. We build those into the model so the cash forecast survives contact with April.
| Montana at a glance | What applies | Notes |
|---|---|---|
| Personal income tax | Personal income tax from 4.7% to 5.9% | Graduated brackets (2025 table) |
| Corporate income tax | A 6.75% corporate income tax | Flat corporate rate (2026 table) |
| Sales tax | No state sales tax | No state sales tax |
| LLC fees | Formation $35; An annual report of $20, due Annual, April 15 | $20 |
| Corporation fees | Annual report | Corporations file an annual report with the state; fee and date confirmed at engagement |
| S-corp election | Federal election recognised | Federal S election recognised; a pass-through entity (PTE) tax election may be available, confirmed at engagement |
Figures checked 2026-09 against Montana Department of Revenue and Montana Secretary of State. Rates and fees change; we confirm the current numbers for your entity before we quote.
What a virtual CFO engagement includes
- Monthly management pack: P&L, balance sheet, cash, margins, KPIs
- 13-week cash flow and 12-month runway forecast, updated monthly
- Pricing, margin and unit economics analysis
- Budget versus actual with a written commentary
- Tax provision and estimated-payment planning across federal and Montana
- Investor, lender and board reporting, GAAP-consistent
- Systems: QuickBooks Online or Xero, payroll, billing, integrations
- A standing monthly review call with the owner
What Montana changes in the model
Entity-level charges are the ones founders forget in a forecast: an annual report of $20, due Annual, April 15, a 6.75% corporate income tax and, for sellers, no state sales tax. We also model the owner's own tax position, because a distribution that looks affordable in the business is often not affordable once Montana and federal tax on it are counted.
Who hires a virtual CFO
- Montana businesses between $500k and $20m in revenue
- Founders preparing to raise, borrow or sell
- Multi-entity groups that need consolidated numbers
- E-commerce and SaaS companies with inventory or deferred revenue
- Owners who get a P&L each month and cannot act on it
- CPA firms that want an advisory partner for their clients
How it works
- Free call to understand the business and what decisions are coming.
- Scope and a fixed monthly fee.
- Clean-up of the books if needed, so the numbers can be trusted.
- Monthly reporting pack: cash, runway, margins, KPIs.
- A standing monthly review with the owner or board.
Pricing
Virtual CFO add-ons start at $99 a month on a bookkeeping plan and standalone engagements are quoted as a fixed monthly fee based on entity count, transaction volume and reporting needs. Quoted in writing after the free call; no hourly billing.
Montana questions people ask first
What is the difference between bookkeeping and a virtual CFO?
Bookkeeping records what happened and closes the month. A virtual CFO uses those numbers to forecast, price, plan tax and advise on decisions. Most clients start with clean books, then add the CFO layer.
Do you replace my accountant?
We can be the whole finance function (books, tax, CFO) or work alongside an existing Montana CPA. Many CPA firms bring us in as the advisory partner for their clients.
How is Montana tax built into the forecast?
We model personal income tax from 4.7% to 5.9%, a 6.75% corporate income tax and entity fees such as an annual report of $20, due Annual, April 15, alongside federal tax and estimated payments, so the cash forecast reflects what will actually leave the bank.
Can you prepare numbers for investors or a lender?
Yes. GAAP-consistent statements, a data room checklist and the reconciliations a diligence team will ask for, prepared before they ask.
What does it cost?
Fixed monthly fee, quoted after the free call. Add-on CFO services start at $99 a month on a bookkeeping plan.
Who is on the team?
Certified Accountants, CPAs and Enrolled Agents working from New York and Mumbai, with one point of contact and replies within 8 hours.
Ready for a fixed quote in Montana?
Two sentences from you. A written price within 8 hours. No obligation, no long-term contract.
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