Fractional CFO Services for Business Owners
Part-time, CFO-level financial leadership for owner-led businesses doing $1M–$20M in revenue. We forecast your cash, find where your margins are leaking, and help you make every major decision with real numbers, for a fraction of the cost of a full-time CFO.
Talk to a Fractional CFO
We'll look at your numbers together and show you where the opportunities are. Free, no obligation, no pitch.
→ Book a Free Fractional CFO Intro CallFree 30-minute call · No sales pressure · Just an honest look at your numbers
Does Any of This Sound Like Your Business?
If that sounds familiar, the problem usually isn't effort or revenue. It's financial visibility. Somewhere past $1M, a business gets too complex to run from the bank balance, but it's not yet big enough to justify a $250,000 full-time CFO. That gap is exactly what a fractional CFO fills.
What Our Fractional CFO Services Include
We become your financial co-pilot: a senior financial partner who knows your numbers as well as you do and meets with you every month to plan what comes next. Here's what you get:
Rolling 12-Month Cash Flow Forecast
Updated monthly and built around your real business cycles, payroll, and debt, so you know where cash will be 3, 6, and 12 months out.
2 CFO Calls Every Month
A 90-minute strategy session and a 60-minute check-in. We review the numbers, work through upcoming decisions, and set priorities for the month.
Profitability Assessment
Margins by product, service line, location, and department, so you know what is carrying the business and what is quietly draining it.
Custom Financial Dashboard
Cash position, margins, overhead, debt, and budget vs. actual in one place, in a format you will actually use.
Accounting Team Oversight
We oversee your bookkeeper or accounting team, fix miscategorized expenses, and set up a reliable monthly close.
Budgeting & Decision Modeling
We model hires, equipment, pricing changes, and expansion before you commit, so major decisions are backed by numbers.
Owner Pay & Tax Planning
A clear plan for what you can safely pay yourself, with reserves for taxes and growth, coordinated with your CPA.
Cash Flow Training for Your Team
We teach you and your leaders to read the numbers, so financial clarity becomes part of how the business runs.
Our goal is simple: increase your profitability, give you confidence in your margins by product, service, and department, map out the financial future of your business, and make it more sellable or investable. For a deeper look at the role itself, see what a fractional CFO does in the first 90 days.
How It Works
1. Intro Call
A free 30-minute call to look at where your business is today and whether a fractional CFO is the right fit.
2. Onboarding (Days 1–60)
We review and clean up your books, restructure your P&L, build your dashboard and first cash flow forecast, and complete a full profitability assessment.
3. Ongoing CFO Partnership
Two CFO calls a month, a forecast that's always current, and a partner for every major decision, from hiring and pricing to owner pay and expansion.
Fractional CFO Pricing
Our fractional CFO services run $3,500 to $6,000 per month, depending on the complexity of your business: number of entities, locations, and service lines, transaction volume, and how much accounting cleanup is needed. There's also a one-time $6,000 onboarding fee for the intensive first 30 to 60 days. That's a fraction of the $200,000 to $350,000+ a full-time CFO costs. For a full breakdown of how fractional CFO pricing works across the industry, see how much a fractional CFO costs.
| Bookkeeper | Controller | Fractional CFO | Full-Time CFO | |
|---|---|---|---|---|
| Main job | Records transactions | Runs accounting and the monthly close | Forecasting, strategy, and decisions | Forecasting, strategy, and decisions |
| Looks | Backward | Backward and present | Forward | Forward |
| Cash flow forecast | No | Sometimes | Yes, rolling 12-month | Yes |
| Helps with pricing, hiring & growth decisions | No | Rarely | Yes | Yes |
| Typical cost | $500–$2,500/mo | $80K–$130K/yr | $3,500–$6,000/mo | $200K–$350K+/yr |
Not ready for a fractional CFO yet? Owners doing under about $1M often start with our Academy coaching program, where we teach you to manage your own numbers.
See What a Fractional CFO Would Focus on First
Book a free intro call. We'll walk through your cash flow, margins, and biggest opportunities.
→ Book a Free Fractional CFO Intro CallFree 30-minute call · No sales pressure · Just an honest look at your numbers
Industries We Work With
We've worked with over 315 clients across 40+ industries. Our deepest specialty is construction and home services, with 100+ clients in that space.
See our fractional CFO services for construction companies, including job costing, WIP schedules, retainage, and bonding readiness.
Real Results: From Cash Crisis to a $200K Reserve
Lee M. owns a $3M construction and excavation company with 22 employees. He was profitable on paper and broke in the bank: $750,000 tied up in receivables, a 34% hard-money loan to cover payroll, and a scramble every Wednesday night to make Thursday's payroll clear. Working with us, he restructured his P&L by service line, set up a monthly close, built a rolling cash flow forecast, and mapped every dollar of debt.
Read the full excavation company case study, or browse more client case studies.
What Our Clients Say
"Our fastest win was cleaning up AR and getting a 13‑week forecast — once we could see the weekly cash picture, collections became the priority and we stopped living paycheck‑to‑paycheck."
"Before CEO Finance Academy we were guessing; now we run the business from a forecast. We raised our bid margins, tightened cash, and turned a messy pipeline into predictable working capital — the program literally paid for itself in months."
"I thought I needed better marketing or a bigger team. What I needed was financial control. CEO Finance Academy taught me to think like a CFO — we cleaned up cash flow, set aside tax and reserves, and I finally sleep at night knowing payroll and growth are funded."
Fractional CFO Services FAQs
Our fractional CFO services include a rolling 12-month cash flow forecast, two CFO calls per month, a custom financial dashboard, profitability analysis by service line and department, budgeting and decision modeling, owner pay planning, and oversight of your bookkeeper or accounting team.
Our fractional CFO services run $3,500 to $6,000 per month, depending on the complexity of your business, such as the number of entities, locations, and service lines. There is also a one-time $6,000 onboarding fee that covers the first 30 to 60 days of setup: a books review, your dashboard, your first cash flow forecast, and a full profitability assessment. A full-time CFO typically costs $200,000 to $350,000 or more per year.
Most of our fractional CFO clients do between $1M and $20M in annual revenue. That is the range where financial complexity has outgrown a bookkeeper, but a full-time CFO isn't justified. Owners under about $1M are usually better served by our Academy coaching program.
A bookkeeper records transactions and a CPA handles taxes and compliance. Both mostly look backward. A fractional CFO looks forward: forecasting cash, analyzing margins, and helping you make decisions about hiring, pricing, equipment, owner pay, and growth. We work alongside your bookkeeper and CPA, not instead of them.
Most clients get their first major insight during onboarding, within 30 to 60 days, when we review the books, restructure the P&L, and build the first cash flow forecast. Improvements in margins and cash reserves typically build over 3 to 6 months.
Yes. We've worked with over 315 clients across 40+ industries, including healthcare practices, agencies, ecommerce, staffing, restaurants, and property management. Construction and home services is our deepest specialty, with 100+ clients in that space.
Yes. Every engagement runs remotely through video calls, shared dashboards, and direct access to your accounting system, so we work with owners across the United States.
No. Our fractional CFO services are for business owners who want CFO-level financial leadership for their own company. If you're an owner who wants to learn to manage your own numbers, our Academy coaching program is built for that.
Free Guides for Business Owners
- What does a fractional CFO do?
- How much does a fractional CFO cost?
- How to pay yourself as a business owner
- How to read a P&L statement
- HVAC profit margins: 2026 benchmarks
- Roofing company profit margins
Ready to Stop Guessing and Start Knowing?
Book a free intro call. We'll look at your numbers together and show you exactly what a fractional CFO would focus on first.
→ Book a Free Fractional CFO Intro CallFree 30-minute call · No sales pressure · Just an honest look at your numbers
Remote Offices In
Salt Lake City, UT & Pittsburgh, PA
team@ceofinanceacademy.com
(385) 422-8909
CEO Finance Academy
Healthy Funnel, LLC
DBA: CEO Finance Academy
This site is not a part of the Facebook website or Facebook Inc. Additionally, This site is NOT endorsed by Facebook in any way. FACEBOOK is a trademark of FACEBOOK, Inc.