A complete finance function for one flat monthly fee.
Bookkeeping and CFO work are sold separately almost everywhere else. They do not work separately. Here is what each one covers.
Fractional CFO
Strategic financial oversight for owners carrying growth, debt, and hiring decisions at the same time. You get the judgment of an operator who has built and sold a company, for a flat monthly fee, with no salary, equity, or recruiter attached.
The work starts with the questions a P&L cannot answer. Whether this month's profit is real or a timing difference. Which location or product line is carrying the others. What happens to cash if sales fall fifteen percent for a quarter, and how much room you have before it matters. We build the forecast that answers those, then keep it current so the answer is never six weeks old.
Every month is a working session rather than a report drop. We walk the numbers together, decide what changes, and write down who owns it before the call ends.
- 13 week rolling cash forecast
- Pricing and margin analysis
- Budget, forecast, and variance review
- Unit economics by product or location
- Lender, SBA, and investor packages
- Debt structure and refinancing review
- Hiring and capacity planning
- Owner compensation planning
- Monthly leadership working session
- Board or advisor reporting
Balanced Bookkeeping
Daily transactions handled, accounts reconciled, and the month closed by the tenth. Accurate records are not the goal, they are the price of entry for every decision that follows.
- Transaction categorization
- Bank and card reconciliation
- Sales tax filing support
- Clean handoff to your CPA
- Transactions categorized and codedDAY 1 TO 3
- Bank, card, and merchant reconciliationDAY 4 TO 6
- Accruals, prepaids, and owner itemsDAY 7 TO 8
- Internal review and variance checkDAY 9
- Books closed, report publishedDAY 10
Financial Reporting
A monthly package built for decisions rather than compliance. Unit economics, cash position, and the three numbers that actually move your business, explained in plain language.
- P&L, balance sheet, cash flow
- Trailing twelve month trends
- Unit economics by line
- KPI dashboard
- Commentary in plain language
- Board or lender ready format
End of Year Planning
Proactive year end planning is where most of the money is won or lost. We work hand in hand with your CPA to balance near term profitability against long term growth, while looking for tax efficiency.
- Q3 projection and scenarios
- Entity and owner comp review
- Capital purchase timing
- Deferral and acceleration plan
- CPA coordination calls
- January clean close
- Full year projection and scenariosSEPTEMBER
- Owner comp and entity reviewOCTOBER
- Capital purchase timing with your CPANOVEMBER
- Deferral and acceleration decisionsDECEMBER
- Clean close, no surprises in AprilJANUARY