Every call is yours to make
Hiring, pricing and spending decisions get made on instinct, because there is nobody to model them with first.
Fractional CFO
Forecasts, budgets and the financial guidance behind the decisions ahead. For founders and owners who are making every financial call alone.
Four things we hear from owners before an engagement starts.
Hiring, pricing and spending decisions get made on instinct, because there is nobody to model them with first.
You know the bank balance. You do not know what it covers, or what happens if growth slows for two quarters.
That conversation needs a model, a plan and clean numbers, and building them from scratch takes weeks you do not have.
Revenue grows and margin does not, and nobody has worked out which product, channel or customer is responsible.
Scope is agreed before we start. Which of these lead depends on what you are deciding this year.
A rolling view of what cash covers, and what it will not, far enough ahead to act on.
What changes if you hire, raise prices, or growth slows. Modelled before you commit.
Board reporting that explains performance, risks and the decisions ahead.
What each product, channel or project actually contributes.
A rolling view of what the cash covers, far enough ahead that you can still do something about it.
What happens if you hire, raise prices or growth slows, worked through before the money is spent.
The decisions stay yours. You stop making them alone.
Board, lender, investor or buyer, the numbers and the plan are prepared before anybody asks for them.
Send a short message or book a conversation. You do not need to choose a service first.
Discuss your priorities and receive a proposal with clear responsibilities, deliverables and fixed fees.
Begin with the work that matters most, with a clear point of contact and a practical next step.
Fixed monthly fees, agreed before the work starts. The estimator on the pricing page builds a number for your business.
Ranges, not quotes. Your fee is fixed in the proposal and depends on scope, volume and the state of your records. Above $20M in revenue we scope individually.
See pricingRelevant reporting, forecasts, priorities and commentary can be organized in the Finsightic portal based on the engagement. The portal keeps the information accessible. Your CFO provides the interpretation, judgment and discussion that turn it into a decision.
Cash on handOperating cash only. Reserves and anything already promised sit outside this number, so it is what you could actually spend this week.From the bank, tied back to the balance sheet at the close.
Net cashWhat the business adds each month after everything, including the months payroll runs three times. One unusual month does not move it.Money in less money out, from the closed accounts.
In twelve monthsAt the pace you are running now, with nothing new bought and nothing new raised. It is a starting point for a decision, not a promise.The projection carried forward at the current net.
The line, back and aheadSolid to today is cash you actually held at each month end. The band after it, not the line, is the forecast: it shows where cash lands if the pace runs a third slower, which is the case that decides whether you hire in the first half.The closed months are read from the accounts; the months ahead are drawn from the net you are running now.
The client portal, shown with sample data.
They had a detailed monthly operating model: a profit and loss plus a cash bridge, one case, and no forecast balance sheet. It was enough to run the business on and not enough for an outside investor to test. The gap only matters when somebody starts pulling on the numbers, which was about to happen.
A full three-statement build. Income statement to balance sheet to cash flow, every period reconciling, with a balance check that has to come to zero.
Base, upside and downside driven from a single toggle, so a question about a slower year is answered in the room instead of in a follow-up email.
Board-reported figures replaced modelled drivers, and three historical years out of the accounting system were integrated behind the forecast.
Every period reconciles. The balance check comes to zero in every column, which is the first thing a careful reader tests and the fastest way to lose them. This engagement is anonymised: real situation, real work, and the figures that would identify the client left out.
Most engagements use more than one of these, and they are built to fit together.
Add senior oversight to the monthly close and reporting.
Keep the books current and close each month with confidence.
Clean books. A clear baseline. Ready to move forward.
Make the work easier to manage and less dependent on you.
Tell us what you are working through. We will help identify where to begin.
