Outsourced CFO
CFO-level thinking without the full-time hire. Strategic finance from a CPA who understands how your whole business runs.
Why It Matters
A CPA who solves problems with modern tools. Not your typical CPA firm.
There is a point in every growing business where the decisions get harder. Pricing. Hiring. Capital purchases. Whether to take on a loan. Whether to grow into a new market. The questions stop being about what happened last month and start being about what should we do next.
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 actually runs.
We bring a CPA's perspective to every conversation. That means we understand the books, the tax implications, the cash flow consequences, and the risk picture all at once. The technology and tools we use let us deliver this work efficiently. The thinking is what you are paying for.
What's Included
How We Work
We start with a deep dive into 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. Not a template. Real numbers that you will actually use to make decisions.
Monthly working sessions of 90 minutes to two hours. Quarterly deep dives. Agendas that tie to your goals, not a generic checklist.
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 Do You Need 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 actually 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. A typical retainer is materially less than what a part-time CFO hire would cost, with no payroll taxes, benefits, or onboarding to manage.
We will walk through your situation in a 30-minute conversation and quote the work before you commit to anything. No pressure. No sales pitch.
Book a Free ConsultationCommon Questions
We quote outsourced CFO engagements after a free initial consultation. The price depends on how often we meet, how many systems we are reporting against, and the kinds of projects you need help with. A typical monthly retainer is materially less than what a part-time CFO hire would cost you, with no payroll taxes, benefits, or onboarding to manage.
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 deep dive, 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.