A fractional CFO who has
sat in your chair.
Most SMB financial problems aren't accounting problems — they're operating decisions wearing accounting costumes. We bring Wall Street capital markets discipline and 30 years of real P&L ownership to the numbers side of your business: from the monthly close to the money raise.
The problems we get called for
Revenue is fine. So where's the profit?
Top line grows every year, the bank account doesn't. Margin visibility, overhead allocation, and pricing discipline usually explain the gap.
Cash is always tight
Profitable on paper, scrambling on Fridays. No rolling forecast means every payroll, tax payment, and slow receivable is a surprise.
Expenses crept while you weren't looking
Subscriptions, insurance, vendor contracts, and autopay line items that nobody has challenged in years — most operators are carrying 5-figure annual bloat.
The bank (or investor) wants books you don't have
You need a loan, a line, or a partner — and your financials aren't presentation-ready. Lenders price uncertainty; clean books are cheap capital.
From the monthly close to the money raise
Financial operations (CFO scope)
- 13-week rolling cash flow forecasts and collections discipline
- Profitability analysis — by product, job, customer, and entity
- Recurring expense audits and vendor contract renegotiation
- Monthly close discipline, KPI dashboards, and reporting rhythm
- QBO cleanup and chart-of-accounts restructure
- Resource allocation — where the next dollar and hire actually go
Capital & deals
- Bank-ready financial packages and lender presentations
- Investor presentations, models, and data room preparation
- Capital sourcing — for the company, a project, or an investment
- Capital structure and allocation strategy
- M&A lite — acquisition evaluation, light due diligence, deal support
- Cap table structuring and operating agreement design
Why us: $1B+ in career assets managed and advised, $300M+ in distressed real estate workouts, and a decade growing AUM from $50M to $500M+ on Wall Street — applied to main-street P&Ls. We speak both languages: yours and the bank's.
See Retainer Tiers & RatesTwo low-risk entry points
Quick Business Review
Temporary access to your books, a written profit-leak report in 2 business days, and a working session to walk through it.
Get Your ReviewRecurring Expense Audit
Every subscription, vendor contract, insurance policy, and autopay charge — reviewed line by line. Most operators find 5-figure annual savings.
See Fixed-Scope OffersNeed a CFO brain without the CFO salary?
30 minutes, no cost. Bring the cash flow problem, the bank meeting, or the deal — we'll tell you what we see.