Fractional CFO
Part-time CFO-level support, cash flow forecasting, analysis, and strategic planning. You get experienced financial leadership without the full-time salary.
What This Is
A fractional CFO gives you experienced financial leadership on a part-time basis. You get someone who can look at your numbers and tell you what they actually mean for the business. Someone who can build a cash flow forecast, model out a new hire, or help you decide whether that expansion makes financial sense. You get all of that without committing to a six-figure salary.
David spent 23 years operating businesses, including COO roles at four companies he helped grow from startup to multi-million dollar scale. He has been the person in the room making the decisions, not just preparing reports for someone else to interpret. That operator perspective is what separates this from a spreadsheet exercise.
How It Works
How It Works
We start by understanding where your business is today and where you want it to go. From there we build the financial tools and reporting that actually help you make decisions. This includes regular meetings to review performance, discuss what’s coming, and adjust the plan as things change.
What Gets Covered
What Gets Covered
Cash flow forecasting, budget creation and tracking, financial analysis, profitability review, scenario planning for growth or new investments, and preparation for conversations with lenders or investors. The scope depends on what your business actually needs right now.
The Problem It Solves
Most small and mid-sized businesses don’t have anyone thinking about the finances at a strategic level. The bookkeeper records what happened. The CPA files the return. But nobody is looking forward. Nobody is connecting the financial data to the decisions you are trying to make about hiring, purchasing equipment, opening a second location, or adjusting your pricing.
Business owners end up making those calls based on gut feel and a checking account balance. Sometimes it works out. Sometimes it doesn’t. And when it doesn’t, the damage is usually avoidable. The information was there. It just wasn’t organized in a way that made it useful before the decision was made.
Flying Without Instruments
Flying Without Instruments
Revenue is up but cash is tight. You are busy but not sure you are profitable on every job or every service line. You know something feels off but you can’t pinpoint it because the financial picture is incomplete. That uncertainty slows everything down and makes every decision feel risky.
Missed Opportunities
Missed Opportunities
Banks want projections. Investors want financial models. Partners want to see the plan. If you can’t produce those things quickly and confidently you lose deals, miss funding windows, and watch competitors move faster. The cost of not having financial leadership shows up in the opportunities that never materialize.
What Changes
You stop guessing. You know your cash position for the next 90 days. You know which services or projects are actually making money and which ones are breaking even. You have a budget that reflects reality and gets updated when reality shifts. Decisions get easier because you have the numbers to back them up.
You also get a thinking partner who has been through the same challenges you are facing. Someone who has built budgets, managed cash crunches, negotiated with lenders, and made the hard calls about when to invest and when to hold back. That experience shows up in the quality of the advice, not just the quality of the spreadsheets.
Confident Decision Making
Confident Decision Making
Every major business decision gets a financial lens. You see the projected impact before you commit. You understand the downside risk and the break-even point. You walk into those conversations prepared instead of hoping the numbers will work themselves out after the fact.
A Financial Roadmap
A Financial Roadmap
You get a forward-looking plan that connects your goals to your finances. Not a static document that sits in a drawer. A living tool that gets reviewed and adjusted regularly so you always know where you stand and what needs to happen next to get where you want to go.
Your Valley of the Sun Bookkeeper
The Next Step:
A Quick Conversation
Tell us what's going on with your books. We'll listen, ask a few questions, and give you a clear quote with no surprises.
