Can we afford this decision?
Your CFO helps you understand the cash, margin, and tax implications before you commit to a hire, price, contract, or expansion plan.
Fractional CFO services for U.S. small businesses
Fractional CFO services for small business, $999/month.
Know where your cash stands and get financial advice before the next big decision. Figures combines a dedicated CFO, monthly bookkeeping and close, financial statements, and year-round tax planning in one team.
CFO advice and the monthly financial work behind it.
- $999/mo
- Flat Foundations plan
- EAs & CPAs
- In-house, IRS-authorized
- ~2 weeks
- Typical onboarding
One conversation. No pressure. We will tell you whether the scope fits.
What a fractional CFO does
Senior financial guidance, without a full-time hire.
Fractional CFO services give a business ongoing, part-time access to CFO-level planning and decision support. The terms outsourced CFO, part-time CFO, virtual CFO, and CFO advisory services often describe the same basic model.
Figures goes further by placing monthly bookkeeping, close, financial statements, and year-round tax planning with the same finance team. Your CFO works from current numbers and helps you decide what to do next.
What are the numbers telling us?
Monthly books and financial statements become a decision tool, not a report that arrives after the useful moment has passed.
What should we do next?
You get a financial partner who knows the business, explains the trade-offs, and stays involved as the decision moves forward.
What fractional CFO services include
One team for the advice and the financial work behind it.
Figures combines CFO advisory, bookkeeping and finance operations, and real-time tax planning in one monthly service. You do not have to coordinate separate providers before making a decision.
Decide with the numbers in the room
A CFO who understands the decision before you make it.
Use CFO-level judgment when pricing, hiring, vendor terms, contracts, or expansion could change cash flow, margin, or tax exposure.
- Monthly CFO strategy calls
- Decision support for pricing, hiring, vendor terms, contracts, and expansion
- Attendance on important business calls when financial judgment is needed
- A dedicated financial partner who knows your business
Know what happened and what it means
Monthly books your CFO can actually use.
The same team handles the monthly financial work beneath the advice, so strategy is not built on stale or disconnected information.
- Monthly bookkeeping, reconciliations, and close
- Monthly financial statements
- Monthly accounts payable and receivable reports and insights
- End-to-end accounting software management
Keep tax in the decision
Year-round tax planning, not a year-end surprise.
Your CFO keeps the tax consequences of major business decisions visible and works with Figures’ in-house, IRS-authorized EAs and CPAs.
- Review of tax implications on key business decisions
- Tax planning connected to current financial activity
- Coordination across CFO, bookkeeping, and tax work
- Tax return preparation and filing available under separate scope
Reports and models included
See what the CFO is working from, not only the advice that comes out.
These reports and analyses are included in the $999/month Foundations package. The timing and depth follow the decisions and operating needs of the business.
13-week cash flow forecast and runway
See cash inflows and outflows, runway, burn rate when relevant, and working-capital pressure before it becomes urgent.
Budgets, forecasts, and scenarios
Build an annual budget or rolling forecast with base, upside, and downside scenarios that adjust as the business changes.
Management reporting and KPI dashboard
Review financial statements, key performance indicators, budget-versus-actual analysis, and variance commentary in one view.
Financial models for important decisions
Model pricing, hiring, vendor contracts, capital needs, and expansion before the business commits cash.
Tax impact analysis
Assess the tax consequences of pricing, compensation, entity, purchase, and expansion decisions before they are finalized.
Reliable books and finance operations
Keep the monthly close, financial statements, monthly accounts payable and receivable reports and insights, and finance systems beneath every forecast and model current.
Who it is for
CFO support that matches the stage of the business.
The financial questions change as a company grows. The service should change with them, rather than forcing every business into the same scope.
01
Launch stage
Startup or early-growth company
Build financial discipline early and give founders a senior finance partner without starting with a full in-house team.
See finance support built for startups02
Core fit
Owner-led small business
Get current books, CFO advice, and tax-aware decision support when you have outgrown basic bookkeeping but cannot justify a full-time CFO.
03
More complexity
Growing or multi-entity business
Higher transaction volume, multiple entities, or more complex reporting may need a custom Operator scope. We will define that before work begins.
Compare the roles
Fractional CFO vs. bookkeeper, controller, and full-time CFO.
A bookkeeper records transactions. A controller owns financial accuracy and close. A CFO turns the numbers into decisions. Figures combines the CFO layer with the monthly financial work beneath it.
| What you need | Figures | Bookkeeper | Controller | Full-time CFO |
|---|---|---|---|---|
| Strategic financial guidance | Dedicated CFO | No | Operational focus | Yes |
| Monthly bookkeeping and close | Included | Core service | Oversight | Requires a team |
| Monthly financial statements | Included | Often included | Owns or reviews | Depends on the team |
| Tax-aware decision support | In-house EAs and CPAs | Generally no | Varies | Varies |
| Senior finance leadership | Included | No | Partial | Included |
| Cost model | $999 monthly plan | Hourly or monthly | Hourly or monthly | Six-figure hire |
| Time to start | About 2 weeks | Varies | Varies | Recruiting process |
Scope varies by provider. For sourced rate ranges and pricing models, see the fractional CFO cost guide.
What you receive each month
One finance team. One monthly operating rhythm.
Your books, financial statements, CFO advice, and tax planning stay connected. When a decision comes up, the advisor in the room is working from the same financial information as the team handling the close.
01
Books reconciled and closed monthly
02
Financial statements, KPIs, and variance reporting prepared monthly
03
Cash forecasts, budgets, scenarios, and decision models built around the business
04
CFO guidance, tax planning, and stakeholder reporting available when needed
Figures Foundations
$999/month
- Dedicated CFO for advisory, call attendance, and decision support
- Monthly bookkeeping, reconciliations, and close
- Monthly financial statements and management reporting
- 13-week cash flow forecast, runway, and working-capital view
- Budgets, rolling forecasts, and scenario planning
- KPI dashboard, budget-versus-actual analysis, and variance commentary
- Financial models for pricing, hiring, capital needs, and expansion
- Monthly accounts payable and receivable reports and insights
- Real-time tax planning on key business decisions
- End-to-end accounting software management
- Dedicated point of contact
- Onboarding in about two weeks
Month-to-month. No lock-in. Cancel anytime.
Tax filing: Tax return preparation and filing are available under separate scope.
The $999 monthly plan includes an overview of accounts payable and receivable. Managing them is an add-on service. With the accounts payable and receivable management add-on, Figures helps raise invoices, communicates with customers and vendors on your behalf, and follows up on collections.
Complex needs: Higher-volume, multi-entity, or more complex requirements may need a custom Operator plan.
Simple from day one
Up and running in about two weeks. Supported all year.
The process starts with the decisions you need help making, then connects the financial work required to support them.
01
Talk through the business
We spend 30 minutes understanding where the business stands, what decisions are coming, and where the current finance process is falling short.
A clear view of the right scope
02
Connect the financial work
We onboard your accounts and tools, bring the books into order, and assign the CFO and finance team that will support you.
Books, tools, and ownership aligned
03
Close monthly. Advise continuously.
The team handles the monthly close and financial statements. Your CFO stays available when pricing, hiring, vendor, tax, or expansion decisions need a financial view.
Current numbers and a CFO in the room
Questions business owners ask before hiring a fractional CFO.
What is a fractional CFO?
A fractional CFO is an experienced finance executive who provides ongoing, part-time financial leadership without joining as a full-time employee. The CFO helps owners understand the numbers, evaluate important decisions, and connect financial strategy to the work happening each month.
What do fractional CFO services include?
Figures includes a dedicated CFO for advisory, call attendance, and decision support; monthly bookkeeping and close; monthly financial statements; monthly accounts payable and receivable reports and insights; accounting software management; and real-time tax planning on key business decisions. The $999 monthly plan includes an overview of accounts payable and receivable. Managing them is an add-on service.
Are cash flow forecasts, budgets, KPI dashboards, and financial models included?
Yes. The $999/month Foundations package can include a 13-week cash flow forecast, runway and burn analysis when relevant, budgets and rolling forecasts, scenario planning, KPI dashboards, budget-versus-actual and variance analysis, and financial models for pricing, hiring, capital needs, and expansion. The cadence and depth follow the needs of the business.
Are fractional, outsourced, part-time, and virtual CFO services the same?
The terms overlap. Each describes access to CFO-level financial leadership without hiring a full-time CFO. Providers differ in scope. Some offer advice only, while Figures connects CFO advisory with monthly bookkeeping, financial statements, finance operations, and tax planning.
When does a small business need a CFO?
A small business may need a CFO when pricing, hiring, vendor contracts, cash needs, or expansion decisions have become too important to make without financial guidance. Another signal is receiving reports that show what happened but do not explain what to do next.
What does a fractional CFO do for a startup?
A fractional CFO can help a startup build financial discipline, understand cash and runway, evaluate hiring and pricing decisions, and prepare reliable reporting. The exact scope follows the company’s operating needs and is agreed before work begins.
What is the difference between a fractional CFO and a controller?
A controller focuses on financial accuracy, close, reporting, and accounting controls. A CFO uses that information to guide pricing, hiring, cash, contracts, tax-aware decisions, and growth plans. Figures combines CFO guidance with the monthly financial work beneath it.
Can Figures work with my existing bookkeeper or CPA?
Yes. Figures can add CFO advisory around an existing bookkeeper or CPA when that is the right fit. The $999 Foundations plan is designed as an integrated service with CFO advisory, monthly bookkeeping and close, financial statements, and real-time tax planning from one team.
What is included for $999 a month?
Figures Foundations includes a dedicated CFO, monthly bookkeeping and close, monthly financial statements, management reporting, a 13-week cash flow forecast, budgets and rolling forecasts, KPI and variance analysis, financial models, monthly accounts payable and receivable reports and insights, accounting software management, and real-time tax planning. It is month-to-month, with onboarding in about two weeks. The $999 monthly plan includes an overview of accounts payable and receivable. Managing them is an add-on service.
Does the $999 plan include tax return preparation and filing?
No. The $999 plan includes year-round tax planning on key business decisions. Tax return preparation and filing are available under a separate scope, so the required returns and filing work can be defined clearly before they begin.
What if my business has multiple entities or more complex requirements?
Higher transaction volume, multiple entities, or more complex reporting and finance operations may need a custom Operator scope. Figures will review the business first and define the right team, cadence, and price before work begins.
How fast can we get started?
Onboarding typically takes about two weeks. Figures connects your accounts and tools, brings the books into order, and assigns the CFO and finance team that will support the business each month.
Talk to an advisor
Put a CFO in the room before the next decision.
Tell us where the business stands and which financial decisions are coming up. We will follow up within one business day.
A dedicated CFO and finance team
Monthly close, financial reporting, forecasts, and KPI analysis
Year-round tax planning with in-house EAs and CPAs
A flat $999/month Foundations plan
Talk to an Advisor
Takes 30 seconds — we'll follow up within one business day.