Virtual CFO Services
Need Executive-Level Financial Strategy?
A great CFO changes how a business makes decisions - but at $250,000+ a year, most growing companies cannot justify the hire. Our virtual CFO service gives you the same executive-level financial leadership on a flexible monthly retainer, scaled to your stage and your budget.
All services are tailored to your specific business or individual needs
Virtual CFO vs. Accountant vs. Bookkeeper: What's the Difference?
| Aspect | Bookkeeper | Accountant / CPA | Virtual CFO |
|---|---|---|---|
| Focus | Past | Past + compliance | Future |
| Does | Records transactions, reconciles accounts | Tax returns, financial statements | Strategy, forecasting, cash flow, investor relations |
| Answers | "What did we spend?" | "What do we owe?" | "What should we do next?" |
A virtual CFO works alongside your bookkeeper and accountant, not instead of them.
Why It Matters
Executive Finance Without a Full-Time Hire
Most founders do not wake up wanting a CFO. They wake up not knowing what cash they will have in 90 days, why margins slipped last quarter, or whether they can afford two more hires. Virtual CFO services close the gap between having financial data and being able to act on it.
Strategic finance
Business health assessments, break-even analysis, pricing, and growth forecasting.
Reporting & control
Monthly management reports, KPI dashboards, month-end close, and internal controls.
Deals & investors
M&A support, capital raise materials, investor packs, and stakeholder updates.
Engagement focus
What you get day to day
- Long-term financial roadmap aligned with your goals
- Scenario modeling: best-case, worst-case, baseline
- QuickBooks, Xero, or ERP-integrated dashboards
- Without the cost of a full-time CFO
Platforms We Work In
QuickBooks, Xero, or Wave - we work in your stack or set it up from scratch.
Who We Serve
Built for Founders, CEOs & Investors
Our fractional CFO engagements scale to your stage - from early-stage startups building financial infrastructure for the first time, to growth-stage companies preparing for a capital raise or an exit.
Startups & early-stage
Financial infrastructure, burn rate tracking and investor-ready reporting from day one
E-commerce businesses
Margin analysis by SKU and channel, inventory cash flow, platform-level profitability
SaaS & software companies
ARR/MRR dashboards, churn modelling, cohort analysis and investor reporting
Telecom & VoIP operators
FCC-consistent financial reporting, USF margin analysis and M&A readiness
International founders with US entities
US-based financial leadership without a full-time hire
Growth-stage businesses
Capital raise preparation, M&A readiness and strategic financial planning
The Journey
Three phases from assessment to advisory. Scroll to explore each stage.
Assess & Roadmap
Business health assessments, break-even analysis, strategic pricing, capital structure planning, growth forecasting, and a long-term financial roadmap aligned with your business goals.
Reporting & Control
Monthly management reports (P&L, Balance Sheet, Cash Flow), variance analysis, real-time dashboards, month-end close, reconciliations, internal controls, and finance tech stack implementation.
Advisory & Transactions
M&A support, due diligence, valuation, capital raise support, investor decks, term sheet review, deal structuring, and post-merger integration strategy - plus investor and stakeholder reporting packs.
Core Expertise
Fractional CFO coverage from books and controls through strategy, deals, and investor reporting. Select a category to explore.
Bookkeeping
Comprehensive bookkeeping services: accounts payable/receivable, payroll processing, and general ledger maintenance
Financial Statement Preparation
Monthly, quarterly, and annual financial statements: income statements, balance sheets, and cash flow statements
Account System Setup & Cleanup
Chart of accounts setup, system migration, data cleanup, and process optimization for QuickBooks, Xero, and other platforms
How Much Does a Virtual CFO Cost?
A full-time CFO in the US costs $250,000-$450,000 per year in salary alone, before benefits and equity. A virtual CFO delivers the same expertise at a fraction of that - on a flexible monthly retainer with no long-term contract.
| Tier | Monthly retainer | Best for |
|---|---|---|
| Foundational | $500-$1,500 | Early-stage startups needing financial structure |
| Growth | $1,500-$4,000 | Businesses needing forecasting and management reporting |
| Strategic | $4,000-$8,000+ | Companies raising capital, preparing for exit or navigating M&A |
Every engagement is scoped to your actual needs - no one-size-fits-all pricing and no long-term lock-in.
Ready for Executive-Level Financial Support?
Strategic finance, high-quality reporting, and operational control - without the cost of a full-time CFO.