Fractional CFO
Forecast cash, plan inventory purchases, and decide where to invest next with financial guidance built for eCommerce.
An experienced CFO helps unlock growth by matching current resources to the next milestone — and naming what else the plan requires.
Can this purchase order be funded without starving operations?
A purchase order can look fine on paper and still empty the bank while units sit with a supplier, in transit, or at Amazon. Cash-flow forecasting shows whether that order can be funded without starving operations.
Is this channel earning its cash, or only its revenue?
Revenue by channel is not profit after marketplace fees and advertising. Settlement timing and ad spend paid this month for later orders decide whether you scale a channel or pause it.
How much cash is actually available for the next milestone?
Growth that consumes more cash than it returns is a liquidity problem, not a marketing problem. Keep enough cash reserved for operations and the next growth initiative so a profitable month does not become a cash crunch.
Outsourced CFO services help a brand plan growth against real cash, not just the P&L. Scope follows the decisions on the table. Accounting + CFO pricing is customized; a 30-minute consultation is how that quote is set.
This is the operating rhythm already published on our plan comparison — not a bespoke reporting product. Need more frequent reviews during peak season, a product launch, or a new sales channel? The accounting relationship can be tailored; the CFO layer still sits on that same close.
Accounting + CFO sits on top of Accounting + Controller: daily bank reconciliation, accrual-basis books, and a monthly close packet — P&L, balance sheet, and cash-flow statement — with the close aimed at the 15th. KPI and dashboard reporting is built on top of that close.
Controller and CFO engagements include a 60-minute monthly Zoom review. That is the standing meeting for forecast versus actuals, cash position, and the inventory, channel, and liquidity decisions on the table.
Accounting + Controller monitors KPIs and trends but does not forecast. Accounting + CFO adds cash-flow management, budgeting and forecasting, financial strategy, modeling, and scenario analysis.
Without a proper foundation, hiring an outsourced CFO is not possible. Monthly accounting and, when needed, book cleanup or prior-period catch-up are available separately so the forecast is built on accrual-basis books rather than a reconstructed bank feed.
For a founder-facing walkthrough of the 13-week forecast itself, see how we build a 13-week cash flow around inventory and Q4 cash. That article is a method, not a client report.
These are the questions from our existing CFO page. If several of them are already on your desk, it is time to talk.
Are we facing liquidity challenges, particularly in balancing growth and operational expenses?
Are we allocating our financial resources in the most effective way to support both current operations and future growth?
Are we stuck at a growth plateau and unsure how to break through to the next level?
Are there areas where we could be more cost-effective or where financial waste can be reduced?
Do we have a comprehensive understanding of the financial risks we face, and how to mitigate them?
Do we have the strategic financial guidance necessary to scale our business and explore new markets or products?
Do we need expert advice on handling investments, raising capital, or managing investor relations?
If we are considering an exit in the future, do we have the right financial strategies in place to maximize our valuation?
Our outsourced CFO services cost less than one-third of hiring a full-time chief financial officer. The people doing the work have been leaders at multiple 9-figure companies. Neither of those facts is a substitute for a scoped engagement — they are why a 30-minute intro is usually enough to see whether this is the right layer.
If close is late, inventory and COGS are unreliable, or channel profitability is a guess, begin with monthly accounting. Cleanup work is billed separately.
Most 7-figure brands start with Accounting + Controller: accrual books aimed at the 15th, daily bank reconciliation, KPI monitoring, and a 60-minute monthly review. Accounting + CFO is customized when cash management, forecasting, modeling, and growth strategy are the work.
Bring the inventory, channel, and cash questions you are actually facing. The intro call is 30 minutes, with no obligation, and is how customized CFO pricing gets scoped.
Get in touch and learn exactly how we can help simplify your finances.
