Virtual CFO · fixed monthly fee

Someone who owns the numbers, before you can afford a full-time CFO.

A 13-week cash forecast, a monthly pack that reconciles profit to cash, KPIs against budget, investor and lender reporting, and a person to call before a hiring or pricing decision. Fixed monthly fee, no long-term contract.

Talk to a CFO See the forecast we build

Built on clean books, in your own QuickBooks or Xero
Weekly or fortnightly forecast updates with a short note on what changed
Board and investor decks when you need them
Certified Accountants with Big 4 and private equity backgrounds

Talk to a CFO

Tell us the basics. We reply within 8 hours, no obligation.

What a month looks like

Cash forecast

Thirteen weeks ahead, by week, with confirmed and expected receipts shown separately, so the first Friday that crosses your minimum shows up while there is still time to change it.

Management pack

Profit and loss against budget, balance sheet, the five-line bridge from profit to cash, gross margin by line, and the numbers that moved with a sentence on why.

Decisions

Hiring dates, pricing changes, when to draw on a line, whether a customer is worth the terms. A call each month, and a message when something cannot wait.

Outside parties

Investor updates, lender covenants, data rooms for a raise or a sale, and the model that ties to the actuals to the dollar.

Four ways to engage

Fractional CFO. Ongoing ownership of the numbers for a fixed monthly fee. The usual arrangement.
Interim CFO. A set period covering a gap, a transition or a crisis, with a handover at the end.
Project work. A raise, a sale, a lender review or a restructure, quoted as one number.
Financial health assessment. A one-off review of margins, cash, controls and reporting, with a written plan.

Who it suits

Owner-run businesses that have outgrown a bookkeeper
Funded startups between seed and a finance hire
E-commerce and SaaS companies where cash and margin move fast
Groups with several entities that need one consolidated view

Books not current? We start with a catch-up project so the pack is built on numbers that are right.

Questions owners ask

What do I actually get each month?

A 13-week cash forecast updated weekly or fortnightly, a management pack that reconciles profit to cash with a five-line note on what changed, KPIs and variance against budget, and a call to talk through the decisions in front of you.

Is this a bookkeeping service?

No. It sits on top of clean books. If your books are not current we start with a catch-up project, or run the Growth or Enterprise bookkeeping plan alongside so the numbers the CFO pack is built on are right.

Fractional, interim or project?

Fractional is the usual: a fixed monthly fee for ongoing ownership of the numbers. Interim covers a gap or a transition for a set period. Project-based work covers a raise, a sale, a lender review or a financial health assessment, quoted as one number.

Who is it for?

Owner-run businesses and funded startups that have outgrown a bookkeeper and are not ready for a full-time CFO: SaaS and e-commerce companies, agencies, practices, and holding structures with several entities.

Virtual CFO services by state

Pick your state for the rates, fees and deadlines that apply, and what we handle there.

Ready for a fixed quote?

Two sentences from you. A written price within 8 hours. No obligation, no long-term contract.

Get my quote Call +1 (302) 601-0115 Book a free 30-minute call WhatsApp