Fractional CFO services for small business
A real CFO.
Not the cost.
A dedicated CFO, monthly bookkeeping, and real-time tax planning — one team, one flat fee.
Hiring a full-time CFO costs six figures. A bookkeeper just records the past. Figures gives you a dedicated CFO, monthly bookkeeping, and real-time tax planning — for a flat $999/month.
- $999/mo
- Dedicated CFO, books & tax — one fee
- EAs & CPAs
- In-house, IRS-authorized
- ~2 weeks
- Up and 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.
More than a bookkeeper.
A fraction of a full-time CFO.
A bookkeeper records the past. A full-time CFO costs a six-figure salary. Figures gives you the strategy, the books, and the tax planning — for a flat monthly fee.
| What you get | FiguresFractional CFO | Full-Time CFOIn-house hire | Bookkeeperor DIY |
|---|---|---|---|
| Monthly cost | $999 flat | $15K–$30K+ | $300–$600 |
| Strategic CFO advice on big decisions | ✓ | ✓ | — |
| Real-time tax planning on every decision | ✓ | — | — |
| Monthly bookkeeping & close | ✓ | — | ✓ |
| In-house EAs & CPAs (IRS authorized) | ✓ | — | — |
| On your vendor, hiring & investor calls | ✓ | ✓ | — |
| Time to get started | 2 weeks | 2–4 months | Immediate |
| Long-term commitment | None — cancel anytime | Full-time salary + equity | None |
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
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
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.
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.
Common questions
Answers for owners comparing CFO advisory, bookkeeping, and tax.
A fractional CFO is an experienced finance executive who leads your financial strategy part-time, for a fraction of the cost of a full-time hire. With Figures, you get a dedicated CFO plus a full finance team — bookkeeping, monthly close, and real-time tax planning — 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.
Book a 30-minute call on Calendly →