Fractional CFO services for small & mid-sized business
A real CFO
in the room.
A dedicated CFO, monthly bookkeeping, and real-time tax planning — one team, one flat fee.
Most owners run their finances alone. Figures gives you a fractional CFO, monthly bookkeeping, and real-time tax planning — one finance team for small and mid-sized businesses, not just the big ones.
- $999/mo
- Flat fee — no surprises
- EAs & CPAs
- In-house, IRS-authorized
- ~2 weeks
- Hello to up & running
The gap nobody talks about
Big companies have CFOs. You've been flying without one.
- Decision gap
When a vendor sends you a contract, who reviews the financial terms?
Most owners sign without knowing the full cost impact — and feel it at year-end.
- Cash gap
When you're about to hire your first employee, who runs the numbers?
Payroll taxes, benefits, and cash runway aren't obvious — until you're already stretched.
- Insight gap
When your accountant sends a P&L, does it tell you what to do next?
Reports tell you what happened. A CFO tells you what it means — and what to do about it.
Most owners get reports. They don't get answers. They get compliance. They don't get strategy. And every real decision — pricing, hiring, vendors, expansion — has a tax dimension most owners never see until year-end. By then, it's too late.
That's what a fractional CFO costs — when you can even find a good one in the US.
What we do differently
We don't just manage your finances. We own them, alongside you.
When you work with Figures, you're not hiring a bookkeeper — you're getting a CFO-led finance team that takes full responsibility for your finance operations, not just your reports.
Your CFO understands your business, not just your numbers. When a real decision comes up — hiring, pricing, expansion, a supplier contract — they're there with the analysis and the judgment. And we've built AI into how they work, so your finances are monitored continuously and patterns get flagged before they become problems.
- Vendor callReviewing supplier contract terms liveLive
- Hiring decisionModeled cost, payroll tax & cash impactSaved $8K
- Pricing reviewMargin analysis with tax overlay doneReady
- April closeBooks reconciled, P&L reviewed & signed offDone
What you get
One subscription. A CFO and a finance team, built into your business.
Your CFO
A dedicated CFO who takes ownership of your financial direction — joining critical calls, advising on major decisions before you make them, and weighing the tax impact in real time.
- Monthly CFO strategy calls
- Vendor, partner & stakeholder call attendance
- Scenario modeling and decision support
- Real-time tax planning on key decisions
- Cash flow advisory
- Investor and lender preparation
Your Finance Team
Bookkeeping led by someone who understands the full picture, so your monthly close isn't a data exercise — it's a managed, CFO-approved view of your business you can actually use.
- Monthly bookkeeping and close
- Bank and account reconciliation
- Accounts payable & receivable management
- Monthly P&L, balance sheet & cash flow
- QuickBooks, Xero & more, fully managed
- Books reviewed and signed off by your CFO
Your Tax Team
Tax support built into the finance workflow, not bolted on at year-end. Real-time planning, recurring filings, and annual compliance so every decision is reviewed with tax in mind.
- Year-round tax planning on key decisions
- IRS & state tax return filing
- Sales and use tax filings
- Annual compliance filings
- Quarterly estimated tax planning
- Deduction optimization & year-end prep
The Figures advantage
Your CFO's judgment, amplified by AI.
The best finance firms sell institutional knowledge — pattern recognition, decision memory, accumulated context. We've built AI that makes that intelligence available on every decision, in real time.
Your finances, watched around the clock.
Anomalies, cash patterns, and risk signals surface continuously — so your CFO arrives at every conversation already knowing what matters, not catching up.
- Cash balance trendActive
- AR aging alertFlagged
- Payroll varianceReviewed
- Expense spike (Q2)Monitored
Real experience behind every call.
When AI surfaces a signal, a human decides what it means — and what to do about it. That judgment, and that accountability, is never removed from the loop.
- Revenue recognition callCFO reviewed
- Vendor payment termsFlagged
- Cash runway decisionCFO advised
- Equity comp structureIn review
We flag issues before they hit your P&L.
A cash timing risk three weeks out, a tax exposure forming this quarter, a vendor term that compounds quietly. You act on it before it costs you.
- Cash timing risk (3 wks)Flagged
- Q3 tax exposureIn review
- Vendor renewal termFlagged
- P&L variance signalCleared
Simple from day one
Up and running in two weeks. Supported all year.
We spend 30 minutes understanding your business — where you are, where you're going, and what's keeping you up at night financially. No pressure, no pitch.
We onboard your accounts, get your books in order, and sync with your existing tools. You'll have a dedicated CFO and finance team from day one — live within 2 weeks.
Monthly closes happen on schedule. And whenever a financial decision comes up — big or small — your CFO is there. Someone who knows your business and is ready to advise.
Built for you if…
You're building something. You don't have time to be your own CFO.
- You're running a business and managing finances mostly alone — no financial partner you can actually talk to
- You've outgrown a basic bookkeeper but can't justify a full-time finance hire
- You make important financial decisions — hiring, vendor contracts, pricing, expansion — without a trusted advisor in the room
- You're tired of getting reports that tell you what happened but not what to do
- You're at launch stage and need to build financial discipline from day one
- You want to focus on building the business, not managing the books
Transparent. Flat. No surprises.
One price. Your CFO and finance team, included.
Everything your business needs to run financially sound — with a CFO leading it.
Need more? For higher volume, multi-entity, or complex needs — ask about our Operator plan.
- Dedicated CFO (advisory, call attendance, decision support)
- Real-time tax planning on key decisions
- Monthly bookkeeping and close
- Accounts payable and receivable management
- Financial statements every month
- End-to-end accounting software management
- Onboarding within 2 weeks
- Dedicated point of contact
Who we are
Enterprise-grade expertise. Built for the businesses that need it most.
The finance controllers and CFOs on our team have deep expertise managing complex financial operations at scale — serving multinationals and enterprise clients throughout their careers.
That level of expertise has never been accessible to solopreneurs or small business owners. Until now.
We've brought that same talent and standard of work to owner-operated businesses — at a price that actually makes sense for your stage. Enterprise-quality financial leadership, for a fraction of what it once cost.
CFOs & finance controllers with deep enterprise experience
IRS-authorized in-house EAs for all US tax matters
Licensed CPAs to the same standard as top accounting firms
Figures Advisors Inc. — incorporated and operating in the US
For decades, the best financial expertise — experienced CFOs, seasoned controllers, strategic tax advisors — was reserved for companies with millions in revenue. Everyone else navigated the most important financial decisions of their journey largely alone.
The early years are the most defining. How you structure your company, manage cash flow, and make decisions at this stage shapes everything that follows.
We built Figures to change that — to make world-class financial leadership accessible to every business building something meaningful. AI is part of how we make that real, giving every CFO on our team the institutional reach of an entire practice.
What clients say
Trusted by owners who stopped flying blind.
“Finally someone who actually shows up before I make a decision, not after. Our CFO was on the supplier call and we saved meaningful money because they spotted something in the terms I never would have caught.”
“I used to dread tax season because I had no idea what was coming. Now I know in real time. Every big decision, my CFO walks through the tax impact right then. It's completely changed how I run the business.”
“The $999/month is the best money I spend. I was paying $2,500 for a basic bookkeeper and getting reports I couldn't use. Now I get clean books AND a CFO who actually advises me.”
“I was making hiring decisions without understanding the full cost. My CFO ran a complete model — payroll taxes, cash flow impact, breakeven. That analysis alone was worth the subscription.”
“We onboarded in under two weeks. By month two, our books were cleaner than they'd ever been. By month three, my CFO was on a call with a potential investor helping me frame our financials properly.”
Common questions
Answers for owners comparing CFO advisory, bookkeeping, and tax.
A fractional CFO is a senior finance leader who runs your financial strategy part-time, instead of a full-time hire. They handle the work a CFO normally owns — cash-flow forecasting, budgeting, profitability analysis, and tax planning — for a fraction of the cost. With Figures you get a dedicated fractional CFO plus a full finance team (bookkeeping, monthly close, and tax) for a flat $999 per month.
What would change if you had a CFO?
You'd make decisions faster. You'd negotiate better. You'd stop losing sleep over whether the numbers are right.
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