Small & Mid-Sized Business
Executive financial guidance for service firms, professional practices, family businesses, and growth-stage SMBs — at a fraction of the cost of a full-time CFO.
Why SMB finance is different
Owner-led businesses are usually built on intuition that worked. Somewhere between the first few million in revenue and the first major hire or capital decision, that intuition needs a financial counterpart — cash discipline, real forecasts, lender-grade reporting, and a decision-making rhythm the owner can actually rely on.
Most small and mid-sized businesses cannot justify — and do not need — a full-time CFO. They do, however, need executive financial leadership: someone who sits beside the owner and leadership team, speaks the language of both the bank and the shop floor, and brings sector judgment to the decisions that most shape the next decade of the business.
"The businesses that compound are the ones whose owners stop guessing about the numbers — and start making decisions with them."
What we do
Clean monthly financials owners can actually use — P&L with narrative context, balance sheet discipline, KPI dashboards, and the close cadence that turns the books into a decision-making tool rather than a tax-return input.
13-week cash forecasts, rolling annual forecasts, gross-margin and customer-profitability analysis, pricing strategy, and the disciplined finance that protects margin through growth, inflation, and demand cycles.
Lender relationships, debt and SBA structuring, line-of-credit discipline, equipment financing, owner-distribution policy, and the capital decisions that determine whether growth strengthens the business or quietly weakens it.
Annual planning that the owner and leadership team can actually execute, scenario modeling for new locations or product lines, hire/no-hire decisions, and the financial fluency that elevates the owner from operator to strategist.
Internal-control discipline, coordination with your CPA on tax strategy, audit and review readiness where applicable, and the long-arc work that makes a business cleanly sellable or transferable on the owner's timeline.
Coaching for the bookkeeper, controller, or office manager already on staff; vetting and implementing the right accounting and reporting stack; and the build-out of a finance function that scales with the business.
Who we serve
Owner-operated service businesses, agencies, professional firms, and B2B operators typically $2M–$25M in revenue, where strategic financial questions have outrun what a bookkeeper or outside CPA can answer alone.
Family-owned businesses navigating succession, second-generation transitions, or the move from founder-led intuition to professionalized financial discipline — without absorbing a full-time CFO into overhead.
Growing small and mid-sized businesses, multi-entity owners, and acquisition-minded operators where consolidated reporting, capital planning, and exit readiness become real questions years before a full-time CFO is justifiable.
Why fractional
New to the model? Read our overview of what a fractional CFO actually does — and the three-question framework we use to decide whether the model is the right fit for a business at your stage.
Right-sizing the seat
A part-time CFO gives you the forecasting, pricing discipline, lender credibility, and decision support of a full-time hire — for the hours your business actually generates that work. For most owner-led companies between $2M and $30M in revenue, that's a predictable monthly cadence plus deeper involvement around planning, borrowing, or an acquisition.
Owners often reach us searching for outsourced CFO services rather than fractional ones. Same role, different vocabulary: we scope it in writing, quote a fixed monthly fee, and leave your bookkeeper or CPA relationship intact.
Explore further
Owner-led companies often start with bookkeeping questions and end up needing CFO judgment. These pages help you place the work — and the cost — correctly.
A plain comparison of the three roles and what each is responsible for.
What monthly engagements typically run, and what drives the range.
Practical safeguards for businesses without a full finance department.
Start the conversation
Tell us a little about your business and the questions in front of you. We'll tell you honestly whether a fractional engagement is the right fit — or what we'd suggest instead.
Schedule a conversation