Diagnosis & Overview
Bookkeeping tells you what happened. CFO leadership helps you decide what to do next. BizOps provides fractional CFO support for growing companies that need stronger cash visibility, forecasts, profitability analysis, management reporting, and financial decision support but do not yet require a full-time finance executive.
Common Situations Where This Becomes Urgent:
- Cash flow changes faster than leadership can anticipate.
- Revenue is growing, but profitability by customer, service, or product is unclear.
- Pricing, hiring, marketing, or expansion decisions are being made without a financial model.
- Financial reports exist but do not explain what leadership should do next.
- The business needs lender, investor, board, or transaction-ready financial information.
- The owner or CEO is still acting as the company’s de facto CFO.
Strategic Focus & Outcomes
What We Focus On:
A Fractional CFO connects financial reporting with forward-looking decisions. The scope can include cash flow management, forecasting, budgeting, KPI reporting, margin analysis, pricing, capital planning, financing support, scenario modeling, and a consistent financial review rhythm.
Deliverables & Scope Typically Include:
- Rolling cash flow forecast and scenario analysis.
- Monthly management reporting and KPI dashboard.
- Budget and budget-to-actual review.
- Profitability and margin analysis.
- Pricing and investment decision support.
- Financial models for hiring, expansion, financing, or other major decisions.
- Financial review cadence with defined targets and accountability.
Roadmap & Success
What Success Looks Like:
Leadership can see where cash is headed, understand what is driving profit, evaluate tradeoffs before committing resources, and make major decisions using a consistent financial framework instead of the bank balance alone.
How It Works:
- Step 1: Review financial records, reporting quality, current cash position, and the decisions leadership is facing.
- Step 2: Establish the reporting, forecast, KPI, and cash-management tools needed for visibility.
- Step 3: Use the financial model to evaluate priorities, risks, and growth decisions.
- Step 4: Maintain a recurring review rhythm so assumptions and decisions change as the business changes.
TURN YOUR NUMBERS INTO BETTER DECISIONS
Schedule a planning session and we will recommend the right starting point.
Frequently Asked Questions
What does a fractional CFO actually do?
A fractional CFO provides senior financial leadership on a part-time or recurring basis. The work can include cash forecasting, budgeting, KPI reporting, profitability analysis, financing support, pricing decisions, scenario modeling, and helping leadership evaluate hiring, investment, expansion, or other major decisions.
When should a business hire a fractional CFO?
Consider a fractional CFO when financial decisions have become more complex than the company’s current reporting can support. Common triggers include rapid growth, unpredictable cash, declining margins, financing, expansion, major hiring, investor reporting, or an owner spending too much time trying to interpret the numbers.
What is the difference between a bookkeeper, accountant, controller, and CFO?
A bookkeeper records and reconciles transactions. An accountant reviews and interprets financial information and may support tax and compliance. A controller manages accounting accuracy, close, controls, and reporting. A CFO uses reliable financial information to guide future decisions involving cash, profit, capital, risk, and growth.
How much do fractional CFO services cost?
Pricing depends on company size, financial complexity, reporting quality, required deliverables, meeting cadence, and level of involvement. Engagements may be project-based or recurring. BizOps scopes the work around the decisions and responsibilities the business actually needs rather than using one standard package for every company.
When does a company need a full-time CFO instead of a fractional CFO?
A full-time CFO becomes more appropriate when the company needs daily executive financial leadership, has substantial transaction or capital-market complexity, manages a large internal finance team, or requires a senior finance leader embedded in management continuously. Fractional support is often a better fit when the need is strategic but not full-time.
Have more questions about fractional cfo services?
Schedule a consultation with a BizOps strategic advisor to discuss your company's specific needs and milestones.
