Virtual CFO & Fractional CFO Services
The judgment of a finance director, on the fraction of a week your business actually needs it. Delivered by someone who has done the job, not someone reading about it.
Why firms bring this to us
Most growing businesses do not need a full-time CFO. They need someone senior to answer four questions reliably: how much cash do we have and for how long, which parts of the business make money, what does the next twelve months look like, and what will a lender or investor ask that we cannot currently answer.
That work does not take forty hours a week. It takes the right person for a predictable slice of it, working from books that are already clean - which is why this service sits on top of the bookkeeping rather than beside it.
The founder's background is a listed manufacturer's finance function, a global bank and a Big 4 firm. The reporting reflects that: built for the person who has to make a decision from it, not for the person who has to produce it.
What the engagement covers
- 13-week cash forecast - Rolling, updated weekly, with the assumptions visible so you can argue with them rather than take them on faith.
- Management reporting pack - P&L, balance sheet, cash flow, variance to budget and the operating metrics that actually move your result.
- Budgeting & scenario modelling - Annual budget, reforecasts, and the two or three scenarios that matter - hiring, pricing, a large customer leaving.
- Unit economics - Margin by product, customer, contract or location, built once properly so the answer stops changing each time it is asked.
- Lender & investor readiness - The data room, the historical pack and the questions you will be asked, prepared before the process starts rather than during it.
- Board & partner reporting - A pack that a non-finance reader can act on, with the commentary written rather than left to the meeting.
The same service, six sets of rules
One team holds all six, which is why cross-border work does not get handed between vendors who each see half of it.
| Country | What we handle |
|---|---|
| United States | US GAAP reporting, SBA and bank lending packs, multi-entity consolidation and investor reporting for venture-backed companies. |
| United Kingdom | FRS 102 reporting, R&D claim readiness, and management packs for owner-managed businesses and PE-backed groups. |
| Canada | ASPE reporting and lender packs for Canadian corporations and cross-border groups. |
| Australia | AASB reporting, cash-flow forecasting and board packs for SME and professional services groups. |
| United Arab Emirates | IFRS reporting with Corporate Tax planning built into the forecast rather than applied after the fact. |
| India | Ind AS reporting, FDI and foreign-subsidiary structuring support, and group consolidation for Indian entities of overseas parents. |
Four steps, and you see the work at each one
Nothing here depends on you changing systems, retraining staff or signing a long-term contract.
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Diagnostic month
One month establishing where the numbers actually are, what the reporting currently hides, and which three questions you most need answered.
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Reporting build
The pack, the forecast model and the metric definitions built once, documented, and handed over as yours.
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Operating rhythm
A monthly close, a monthly pack and a standing call. Weekly cash review where the business needs it.
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Escalation
Direct access to the founder for the decisions that warrant it - no account-manager layer in between.
We work in your stack
We log into your systems with named users and role-based permissions. We do not migrate you onto a platform of ours.
- Excel & Google Sheets
- Fathom
- Syft
- Spotlight Reporting
- Power BI
- Float
- Causal
- NetSuite
- QuickBooks
- Xero
Asked before
every engagement.
If yours is not here, ask it on the call - we would rather answer it before you commit than after.
How is this different from an outsourced controller?
A controller makes sure the numbers are right. A CFO makes sure you act on them. We do both, but the fractional CFO engagement is specifically about forecasting, capital, pricing and the decisions in front of you - it assumes the bookkeeping is already handled, by us or by you.
How much time does it actually take?
Most engagements settle between two and six days a month, depending on entity count and reporting cadence. We scope it after the diagnostic month, when there is evidence rather than guesswork.
Will we be working with the founder or a team?
Virtual CFO engagements are led by the founder directly. The preparation work behind them is done by the team, which is what makes the rate sustainable.
Can you help us raise or borrow?
We prepare you for it - the historical pack, the model, the data room and the questions you will face. We are not licensed brokers and do not introduce capital or take success fees.
Related
Fourteen hours of virtual CFO, free.
One live file, one week, no card and no contract. If the work is not better than what you have, you walk away owning it anyway.