Hire a Fractional CFO for Your Small Business
Our fractional CFO services give you an experienced Chief Financial Officer part-time — without the $200K salary. Our Ex-PwC Chartered Accountants work remotely with US small businesses and startups on cash flow, financial planning, fundraising, and growth strategy. Most clients are up and running within a week.
Certified, Qualified & Trusted
All the CFO. None of the Full-Time Cost.
A fractional CFO is an experienced Chief Financial Officer who works with your business on a part-time or project basis. You get Big-4 level financial expertise — at a fraction of the cost of a full-time hire.
For US startups and small businesses, this means access to PwC-trained financial leadership that improves your cash flow, prepares you for investors, and helps you make smarter decisions — without committing to a $180,000–$250,000 annual salary.
Cash flow management for small business — real-time monitoring, 13-week forecasting, and cash flow optimization
Small business financial planning — annual budgets, rolling forecasts, and monthly variance reporting
KPI dashboards — custom metrics so you always know your business health
Investor-ready reporting — pitch decks, financial models, due diligence prep
Strategic financial guidance — pricing strategy, unit economics, cost reduction
Month-end close — timely, accurate financial statements every month
- Dedicated CA/ACCA-qualified CFO advisor
- Monthly financial statements & reports
- Cash flow forecasting & management
- KPI dashboard setup & monitoring
- Investor reporting & pitch deck support
- 48-hour response guarantee
- No long-term contracts
Is a Fractional CFO Right for Your Business?
Startups Raising Funding
Need investor-ready financials, a credible financial model, or support through due diligence? Our fractional CFOs have prepared hundreds of funding-ready financial packages.
Small Businesses Scaling Up
Revenue growing but finances feeling out of control? We bring structure — clean books, cash flow visibility, and a clear financial roadmap for your next stage.
Businesses Without a Finance Team
If your accountant only does tax returns and you have no one thinking strategically about your finances — that's the exact gap a fractional CFO fills.
Companies in Transition
Going through rapid growth, a restructure, or preparing for acquisition? We provide the financial leadership and stability you need during critical transitions.
How to Hire a Fractional CFO in 5 Steps
Hiring a fractional CFO should take days, not months. Here is exactly how it works with us.
Book a free discovery call
A 30-minute call to understand your business, your numbers, and what you actually need. No pitch, no obligation — if a fractional CFO is not the right fit, we will tell you.
We review your financials
We look at your books, cash position, and reporting to find the real gaps. You get an honest assessment of where the risks and opportunities are before you commit to anything.
Agree scope and monthly cost
You get a clear scope and a flat monthly fee — no hourly billing surprises. Scale the engagement up or down as your needs change, on flexible monthly terms.
Onboarding in days, not months
We connect to your accounting system, clean up what needs cleaning, and set up reporting. Unlike hiring a full-time CFO, there is no 3-6 month recruitment cycle.
Ongoing CFO support
Monthly financial reporting, cash flow forecasting, and a strategic call — plus access when you need a decision made. Real expertise every month, not a junior hand-off.
What Does It Cost to Hire a Fractional CFO?
A full-time CFO in the US typically costs $180,000–$250,000 a year once you add salary, benefits, payroll taxes, and equity. For most small businesses and early-stage startups, that is simply not justifiable — and it is usually far more CFO than the business actually needs.
Hiring a fractional CFO means you pay a flat monthly fee for a defined scope — typically a fraction of a full-time salary. What you pay depends on three things: how complex your finances are, how much reporting and forecasting you need each month, and whether you need project work such as fundraising support, a financial model, or due diligence.
We quote a flat monthly fee after the discovery call, so you know the cost before you commit — no hourly billing, no lock-in contracts. If a lighter engagement would serve you better, we will say so.
Fractional CFO vs Full-Time CFO vs Controller
Not sure which one you actually need? Here is the honest comparison.
| Fractional CFO | Full-Time CFO | Controller | |
|---|---|---|---|
| Annual cost | Fraction of a full-time salary | $180K–$250K+ all-in | Lower, but not strategic |
| Time to hire | Days | 3–6 months recruiting | Weeks |
| Seniority | CFO-level (CA / Ex-PwC) | CFO-level | Below CFO level |
| Best for | SMEs and startups needing strategy part-time | Companies with complex, full-time finance needs | Businesses needing process and control, not strategy |
| Commitment | Flexible monthly terms | Permanent employment | Usually monthly |
A part-time CFO and a fractional CFO describe the same thing in practice: senior financial leadership on a recurring part-time basis. Read the deeper breakdown in our guide to fractional CFO vs full-time CFO.
Fractional CFO FAQs
Try our free calculators: Startup Runway Calculator · Cash Flow Forecast Calculator · ROI Calculator — or see all free tools →
Fractional, Outsourced, Part-Time — Same Role, Different Labels
You'll see this service advertised under at least four names. In practice they describe one arrangement: senior financial leadership bought by the day or the month instead of by the salary.
- Fractional CFO is the term most common with funded startups — you're buying a fraction of a CFO's time, typically a few days a month.
- Part-time CFO means the same thing, usually with a fixed weekly commitment rather than a flexible retainer.
- Outsourced CFO frames it as a function handed to an external firm, which is how established SMEs tend to think about it.
- Interim CFO is the one genuine variation: a full-time engagement covering a gap, usually after a departure or during a transaction.
A controller is a different role — they run the accounting function and own the close, while a CFO owns forecasting, capital and strategy. Growing businesses often need the controller first.
What a Fractional CFO Actually Delivers
- A rolling 13-week cash flow forecast, so you see problems while there's still time to act
- Monthly management accounts with commentary — variance against plan, not just actuals
- Unit economics and margin analysis, broken down by product, channel or location
- Board and investor reporting packs built to the standard funders expect
- Pricing, hiring and capital decisions modelled before you commit to them
Is It the Right Time?
Most businesses bring in a fractional CFO when revenue growth stops translating into cash, when a raise or an acquisition is on the horizon, or when the founder is making seven-figure decisions on a spreadsheet they built themselves. If none of those apply yet, a good bookkeeper and clean monthly reporting will serve you better and cost far less. We cover the signals in detail in when to hire a fractional CFO, the cost side in what a fractional CFO costs, and the full-time comparison in fractional vs full-time CFO.