Fractional CFO Services

Financial Leadership
Your Business Can Afford

A fractional CFO is a part-time financial executive who provides strategic financial leadership to businesses that need expert guidance but do not require — or cannot yet afford — a full-time CFO. Figures Global Advisors delivers fractional CFO services covering cash flow management, financial reporting, budgeting, investor-readiness, and tax strategy, working with clients on a monthly retainer basis.

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CFO Monthly Overview — March 2026
Live
Cash on Hand
$284K
↑ 12% vs last month
Net Margin
18.4%
↑ 2.1pts vs budget
Runway
14 mo
13-week forecast
Budget vs Actual
+4.2%
Overspend flagged
Monthly Report Package
Ready
Cash Flow Forecast
In Progress
Q1 Strategic Review
Scheduled
The Challenge

Growing Businesses Need CFO-Level Thinking — Not a $250,000 Salary

At some point in your business growth, spreadsheets and basic bookkeeping stop being enough. You need someone who can look at your financial data and tell you what it means — not just record what happened, but forecast what is coming and advise on what to do about it.

A full-time CFO brings exactly that expertise. But the fully-loaded cost — salary, benefits, payroll taxes, equity — typically runs $200,000 to $350,000 per year. For most small businesses, that is not feasible until you have scaled significantly.

A fractional CFO gives you everything you actually need — the strategic thinking, the financial oversight, the reporting, and the accountability — at a fraction of the cost.

Cost Comparison
Full-Time CFO
Salary + benefits + equity
$200–350K/yr
Fractional CFO
Monthly retainer, your scope
Fraction of that

Same strategic expertise. Accountable to your results. No long-term commitment required.

What's Included

Everything Your Business Needs
from a Chief Financial Officer

Monthly Financial Reporting Package
Profit & loss, balance sheet, and cash flow statement with executive commentary — delivered every month.
Cash Flow Management & 13-Week Forecasting
Active cash flow management and a rolling 13-week forecast so you always know what is coming.
Budget Development & Variance Analysis
Annual budget built with your goals in mind, with monthly budget-vs-actual tracking and analysis.
KPI Dashboard
A custom KPI dashboard tracking the metrics that matter most to your specific business and growth stage.
Tax Strategy Coordination
Your CFO advisor works directly with our tax team to keep financial decisions and tax planning fully aligned.
Investor & Lender Package Preparation
Pitch-ready financials, financial models, and projections built to meet investor and lender standards.
Business Unit Profitability Analysis
Understand which parts of your business are driving margin — and which are consuming it.
Ad Hoc Financial Analysis & Decision Support
Scenario modeling, pricing analysis, new opportunity assessment — on demand, when you need it.
Dedicated Advisor & Regular Check-ins
One dedicated advisor, bi-weekly or monthly calls, and availability between meetings for urgent questions.
How It Works

A Structured Engagement That
Delivers Value from Day One

Step 01 Discovery & Assessment
Step 02 90-Day Financial Roadmap
Step 03 Ongoing Monthly Service
Step 04 Quarterly Strategic Review
Step 01
Discovery & Assessment

We start with a thorough review of your current financial situation — your books, your reporting, your cash flow patterns, and your business goals. This gives us a clear baseline and lets us identify the highest-priority areas to address first.

What we review
  • Current financial statements and bookkeeping quality
  • Cash flow patterns and current runway position
  • Existing reporting, tools, and KPI tracking
  • Business goals and upcoming financial decisions
01
By the end of this step
You have a clear picture of exactly where your finances stand today — no guesswork.
We have identified the 3–5 highest-impact areas to address first and aligned on priorities.
What you receive
Baseline Financial Assessment Report
Completed in Week 1–2
Step 02
90-Day Financial Roadmap

In the first engagement month, we deliver a 90-day financial roadmap — a prioritized plan of what we are going to build, fix, and optimize in your financial operations. This keeps the engagement focused and measurable from day one.

What it covers
  • Priority financial reporting gaps and fixes
  • Quick wins in cash flow visibility
  • KPI framework tailored to your business model
  • 90-day implementation milestones and owner actions
02
By the end of this step
You have a written plan with specific milestones — both sides know what success looks like at 90 days.
The engagement is focused and measurable from day one — no open-ended advisory without accountability.
What you receive
Written 90-Day Financial Roadmap
Delivered end of Month 1
Step 03
Ongoing Monthly Service

Each month we deliver your financial reporting package, hold a scheduled advisory call to walk through the numbers, flag anything that needs your attention, and track progress against your business goals.

Monthly deliverables
  • Full financial reporting package — P&L, balance sheet, cash flow
  • Budget vs. actual variance review with commentary
  • 13-week cash flow forecast update
  • Advisory call — decisions, flags, and forward priorities
03
Every month you get
A complete financial picture with zero guesswork — current, accurate, and ready to act on.
Any risks or opportunities flagged before they become problems — proactive, not reactive.
What you receive
Monthly Report Package + Advisory Call
Every month, ongoing
Step 04
Quarterly Strategic Review

Every quarter we step back for a deeper review — comparing results to the budget, updating the forecast, and adjusting the financial strategy to reflect what is happening in your business. You always have an up-to-date view of where you are heading.

What we cover
  • Full-quarter results vs. budget analysis
  • Updated 12-month financial forecast
  • KPI trend review and target recalibration
  • Strategy alignment and priorities for next quarter
04
Every quarter you get
An updated forecast reflecting current business reality — not projections from six months ago.
A financial strategy calibrated for the next 90 days — so you always make decisions with current data.
What you receive
Quarterly Review Presentation & Updated Forecast
Every quarter
Is This Right for You?

Built for Businesses That Have
Outgrown Basic Accounting

Our fractional CFO service is a strong fit if your business is at the stage where financial data needs to drive real decisions — not just report what already happened.

Your business generates between $500K and $10M in annual revenue and needs more financial oversight than basic bookkeeping provides.
You are preparing for a fundraising round and need investor-ready financial models and reporting.
You are experiencing rapid growth and cash flow is becoming harder to predict and manage.
You are considering a major financial decision — acquiring a business, taking on significant debt, or expanding into a new market.
You have a bookkeeper but no one providing strategic financial leadership and oversight.
Tax season reveals surprises every year because financial and tax planning are not connected throughout the year.
You Might Also Need

Services That Work Best
Alongside Fractional CFO

Bookkeeping & Accounting
We ensure your books are CFO-ready every month, so your financial reporting is built on accurate, timely data.
Learn More
Tax Preparation & Planning
Your CFO advisor works directly with our tax team so financial decisions and tax strategy are always aligned — no year-end surprises.
Learn More
Financial Advisory
For businesses facing a valuation, acquisition, or major strategic decision — our advisory team supports alongside the fractional CFO engagement.
Learn More
Common Questions

Fractional CFO
FAQ

Everything you need to know before starting a fractional CFO engagement.

A fractional CFO provides strategic financial leadership on a part-time or project basis. This includes overseeing cash flow management, financial reporting, budgeting, forecasting, investor relations, and tax strategy. Unlike a bookkeeper or accountant who handles compliance, a fractional CFO uses financial data to guide strategic decisions — like when to hire, how to manage growth, or how to prepare for investment.
A bookkeeper records transactions. An accountant handles compliance — tax filings, financial statements. A fractional CFO uses all of that data to provide strategic guidance — forecasting, decision support, cash flow management, and business planning. Our fractional CFO service is designed to work alongside your existing accounting function or bundled with our bookkeeping service for a fully integrated solution.
Fractional CFO engagements are typically structured as monthly retainers based on the scope of work and hours required. This is significantly more cost-effective than hiring a full-time CFO, whose total compensation can exceed $300,000 per year. Contact us for a custom quote based on your specific business needs.
Fractional CFO services are most valuable for businesses with annual revenue between $500K and $10M that need sophisticated financial oversight but are not yet at the stage where a full-time CFO salary makes financial sense. We also work with pre-revenue startups preparing for fundraising rounds and with established businesses navigating growth, restructuring, or acquisition.
Absolutely. We frequently integrate into existing finance teams, taking on the strategic advisory role while your internal bookkeeper or accountant handles day-to-day transactions. We can also provide a fully integrated service covering both bookkeeping and fractional CFO advisory if you prefer to consolidate under one provider.
You work with a dedicated advisor who provides your monthly financial reporting package, holds regular check-in calls (typically bi-weekly or monthly), and is available for questions between meetings. All document sharing, reporting, and communication happens through a secure digital portal. We are also reachable by email and phone for time-sensitive questions.
No. Our fractional CFO engagements operate on month-to-month retainer agreements. We ask for 30 days notice to end an engagement so we can properly transition documentation and reporting. We have retained clients for years — not because of contracts, but because of the value we deliver.

Ready to Add CFO-Level Thinking
to Your Business?

Your first consultation is free. 30 minutes, no obligation, no sales pressure.