Fractional CFO Services for Small & Medium Businesses

Fractional CFO Services

Strategic financial leadership without the full-time cost.

Most business owners don’t wake up thinking about cash flow, reports, or financial strategy — but they do feel the stress when the dollars don’t line up. A Fractional CFO brings clarity, calm, and direction so you can grow your business with confidence.

If you’re running a small or medium-sized business and want stronger margins, better financial control, and support to scale, a Fractional CFO is one of the smartest investments you can make.

If your business is turning over $1M–$20M and needs deeper financial insight, structure, and strategic direction, this service helps you build a more profitable, valuable, and scalable business model.

What Problems Does a Fractional CFO Solve?

Many SME owners experience:

• Cash flow that feels unpredictable

• Profit that is inconsistent — even with good sales

• No clear financial direction for the next 12–36 months

• An owner carrying too much of the financial responsibility

• No internal financial expertise to guide decision-making

• Late, unclear, or unhelpful reporting

• Growth that’s happening without structure

• A business that feels “too big” for bookkeeping but “not big enough” for a full-time CFO

A Fractional CFO provides the financial leadership needed to move from “hoping it works” to “knowing it will.”

What a Fractional CFO Actually Does

Our support is practical and tailored to where your business is now — and where you want it to be.

Strategic Financial Planning

Clear budgeting, forecasting, and long-term financial plans aligned to your capacity, pricing, and strategic priorities.

Cash Flow & Working Capital Management

Keeping money flowing smoothly so your business can breathe, operate, and grow — with controls that improve predictability.

Financial Reporting & Analysis

Simple, timely reports that help you make informed decisions quickly, with clear performance signals and early warnings.

Pricing, Margins & Performance Improvement

Identify what’s making money, what’s not, and what needs to change. Build margin discipline so profitability becomes consistent.

Fundraising & Investor Support

Guidance for capital raising, bank refinancing, or investor conversations, with forecasts and insights that build lender confidence.

Mergers & Acquisitions Support

Due diligence, analysis, and strategic insight for buying or selling, helping you understand true value, risks, and long-term implications.

Systems & Financial Process Improvements

Modernised systems, stronger processes, and more reliable data — so your business can scale without chaos.

Why SMEs Choose a Fractional CFO

We emphasise outcomes — the results our clients care about.

• Better cash flow control — fewer surprises, more confidence

• Cleaner financial insights — reports that make sense

• Higher profit margins — through pricing, cost control, and strategy

• Stronger growth plans — clear 12–36 month financial roadmaps

• Less stress — more time to run the business, not decode financials

• Senior expertise without the full-time salary

• A clearer pathway to building a more valuable, scalable business asset

Who This Service Is Best For

Businesses that are:

• Turning over $1M–$20M

• Wanting sustainable, structured growth

• Feeling stretched or overwhelmed with financial management

• Needing stronger financial systems, reporting, and direction

• Considering expansion, investment, or restructuring

• Wanting a trusted financial leader who can translate numbers into decisions

If you’re not ready for a full-time CFO, but you’ve outgrown basic bookkeeping and compliance, this service is designed for you.

Our Approach (Simple, Clear, Practical)

1. Understand your business — how it works, where the pressure points are, and what success looks like.

2. Design the financial plan — budgets, forecasts, cash flow, pricing, margins, and strategy.

3. Strengthen systems and reporting — clean, timely numbers you can rely on.

4. Ongoing advisory support — monthly, fortnightly, or tailored to your needs.

Every step is designed to give you clarity, confidence, and control — and a stronger, more scalable business model.

Proven Experience You Can Trust

With decades of combined experience across industries — including growth-focused SMEs, family businesses, franchises, and multi-location operations — we bring tested management accounting tools and real-world business experience into your business.

You get the best of both worlds: strategic leadership plus practical financial insight. And because we’ve run businesses ourselves, our advice is grounded in real operational experience — not theory.

Ready to Strengthen Your Financial Leadership?

If you’d like to explore how a Fractional CFO can help you improve margins, cash flow, and financial direction, your next step is simple.

Book a Fractional CFO Discovery Call