CFO Services
Executive finance leadership, fractionally priced.
Forecasting, unit economics, and fundraising support from senior finance operators embedded in your leadership rhythm.
Schedule Discovery CallWhat's included
- 13-week cash forecasting
- Custom driver-based projections
- Pricing and unit economics modeling
- Fundraising and diligence support
Built for
- $2M–$50M companies without a full-time CFO
- Founders raising debt or equity in the next 12 months
- Multi-site operators managing unit economics
- Teams preparing for a sale or succession
13 wks
Forward cash visibility
20–30%
Of a full-time CFO's cost
2 wks
To a working model
How engagements work — Monthly retainer scaled to cadence and scope; project pricing available for a raise, budget, or diligence sprint.
The problems we solve
You can't see more than a few weeks of cash ahead.
A live 13-week cash forecast updated weekly against actuals, with a variance explanation each cycle.
Nobody knows which locations or services actually make money.
Contribution margin by unit, service line, provider, and customer — built off your real ledger.
Pricing was set years ago and never revisited.
Cost-to-serve and price-elasticity modeling with a phased increase plan.
Diligence requests stall your raise.
A maintained data room, quality-of-earnings-ready schedules, and a defensible model.
Full scope of work
Cash & forecasting
- 13-week rolling cash forecast
- Annual budget build and monthly reforecast
- Scenario and sensitivity planning
- Covenant, runway, and debt-capacity tracking
Performance
- KPI dashboard with weekly operating metrics
- Unit economics, LTV/CAC, and cohort analysis
- Pricing and margin improvement roadmap
- Headcount and capacity planning
Capital & exit
- Lender and investor package preparation
- Valuation support and cap table modeling
- Due diligence management and data room
- Board meeting materials and presentation
Where the money comes back
Every engagement is scoped against a return: cost removed, margin recovered, cash pulled forward, or exposure closed.
Cash visibility before it's a crisis
A live 13-week cash forecast turns surprise shortfalls into scheduled decisions. Spotting a $50,000 gap six weeks out gives you time to draw a credit line instead of missing payroll.
Pricing corrected with unit economics
Modeling true cost-to-serve by product or service line often surfaces one or two offerings priced below margin. Correcting a 4-point margin gap on $2M in revenue is $80,000 a year.
Spend caught before it compounds
Monthly budget-vs-actual with variance commentary flags overspend in the month it happens, not the quarter after. Catching a $6,000 monthly drift in month one instead of month four saves $18,000.
Financing terms improved by readiness
A complete lender or investor package with clean historicals and a defensible forecast typically shortens diligence and supports better terms. A half-point rate improvement on a $1M facility is $5,000 a year.
What actually lands in your inbox
13-week cash flow forecast
WeeklyA rolling 13-week forecast by week, updated with actuals every Monday, showing projected cash position and any funding gap before it arrives.
Driver-based revenue projection
MonthlyA projection built on volume, price, and conversion drivers rather than a flat growth rate, updated monthly as actual drivers shift.
Unit economics model
QuarterlyA per-unit or per-line profitability model showing contribution margin by product, service, or customer segment to guide pricing and mix decisions.
Budget vs actual variance report
MonthlyA line-item comparison of budget to actual with written commentary explaining each material variance and the recommended response.
Lender or investor package
One-time, then as neededA complete financial package including historicals, projections, and supporting schedules built to the standard diligence teams expect, refreshed for each raise or renewal.
Board reporting deck
Monthly or quarterlyA concise board deck covering financial performance, key metrics, and decisions needed, delivered ahead of the scheduled board rhythm.
What working with us feels like
A CFO on your calendar
Scheduled monthly (or biweekly) sessions with a working CFO, not an annual check-in, so decisions get made against current numbers instead of last quarter's.
Board-ready without the scramble
Board or investor materials are built continuously through the month, so the package is ready days before the meeting, not assembled the night before.
Decisions modeled before you commit
Before a hire, a lease, or a capital purchase, we run the cash and margin impact so the decision is made with numbers instead of instinct.
Plain-language variance explanations
Each variance report explains the driver in one sentence a non-finance owner can act on, not a spreadsheet of unexplained percentage differences.
Benchmarked against the usual option
- Cash forecastingBank balance checked reactively, no forward viewRolling 13-week forecast updated weekly against actuals
- Pricing decisionsSet by gut feel or competitor matchingBacked by a unit economics model and margin target
- Variance reviewBudget compared once at year-endReviewed monthly with written driver commentary
- Financing readinessPackage assembled under deadline pressureMaintained continuously, ready ahead of any raise
- Capex and hiring callsMade without a cash impact modelModeled against forecast before commitment
Your first 90 days
- Week 1
Financial baseline established
We pull historical financials, build the initial 13-week cash forecast, and map current cost and revenue structure to establish the baseline for driver-based projections.
- Day 30
Forecasting cadence live
Weekly cash forecast updates and the first monthly budget-vs-actual variance report are running, with initial unit economics by product or service line drafted.
- Day 60
Pricing and board rhythm set
Unit economics findings inform a pricing recommendation, and the board or leadership reporting rhythm is established with a repeatable deck format.
- Day 90
Full CFO rhythm operating
Cash forecasting, variance reporting, and board materials run on a fixed monthly cadence, and any financing package is prepared and ready for lender or investor conversations.
Platforms included
Configuration, integration, and day-to-day administration are part of the fee — you are not billed to keep your own systems running.
- QuickBooks Online
- NetSuite
- Fathom
- Jirav
- LivePlan
- Float
- Google Sheets
- Ramp
The cost of leaving it alone
No forward cash visibility
A shortfall is discovered when the bank balance runs low instead of six weeks ahead, forcing rushed borrowing on worse terms or a missed payroll.
Pricing set without margin data
Underpriced product or service lines quietly erode margin, often unnoticed for a full fiscal year until profitability targets are missed.
Unprepared for financing diligence
Incomplete historicals or an unsupported forecast extend diligence timelines and weaken negotiating position on rate and covenant terms.
How we run it
- 01
Assess
Two-week deep dive on financials, drivers, and the decisions in front of you.
- 02
Build
Model, dashboard, and cash forecast built on your actual operating drivers.
- 03
Embed
Weekly or biweekly leadership cadence — we sit in the seat, not on the sidelines.
- 04
Execute
Capital raises, pricing changes, and expansion decisions carried through to done.
Why clients choose us over the firm down the street
Operator, not analyst
Senior finance operators who have run the function, not a junior building slides.
Fraction of the cost
Executive finance leadership at roughly 20–30% of a full-time CFO's fully loaded cost.
Built on our own books
The forecast is only as good as the ledger — we control both.
No long lock-in
Month-to-month after the initial term. We stay because you want us there.