Fractional CFO
CFO-level financial leadership, without the full-time hire
Forecasting, cash-flow strategy, budgeting and a monthly financial review — the senior finance leadership a growing business needs to make decisions with confidence, on a fraction of a full-time CFO's salary and from the team already inside your books.
What's included
Everything in scope, in writing.
Planning & forecasting
- Rolling cash-flow forecast
- Annual budget and quarterly re-forecast
- Scenario planning for hiring, pricing and expansion
- Break-even and unit-economics analysis
Reporting & KPIs
- Monthly management reporting pack
- KPI dashboard built around your drivers
- Gross-margin and profitability analysis
- Budget-vs-actual variance review
Cash & capital
- 13-week cash-flow management
- Working capital and AR/AP strategy
- Financing and loan-readiness support
- Lender and investor reporting
Packages
Pick the tier that matches where you are.
What's included at each level. Every package can be adjusted — these are starting points, not straitjackets. What it costs depends on your volume, your headcount and how many entities are involved, and you'll have that in writing before you commit.
Advisory
A quarterly financial partner.
- Quarterly financial review
- Rolling cash-flow forecast
- KPI dashboard setup
- Budget-vs-actual reporting
- Requires Essentials or higher bookkeeping
Fractional CFO
Monthly finance leadership for a growing business.
- Everything in Advisory
- Monthly CFO review meeting
- Annual budget + quarterly re-forecast
- 13-week cash-flow management
- Scenario and pricing analysis
On-Demand
Senior finance help for a specific decision.
- Project-based engagement
- Financial model build
- Fundraising or loan-readiness support
- Board and investor reporting package
- * All clients sign annual agreements and can pay monthly or annually in advance.
- * For the current year, we load your historical transactions by month into our accounting system.
- * Royal Business Group can act as your registered agent for annual corporate filings.
Questions
About fractional cfo
A part-time chief financial officer who gives you senior financial leadership — forecasting, cash-flow strategy, budgeting and KPI reporting — for a fraction of a full-time CFO's hours and cost. You get the judgment of an experienced finance executive without carrying the salary, and because we already keep your books, that CFO is working from numbers we know are clean.
Bookkeeping records what happened; a CFO helps you decide what to do next. The bookkeeper closes the month and files the taxes; the CFO reads those numbers, builds the forecast, flags the cash crunch three months out, and sits with you to decide whether you can afford the next hire. They are complementary — and the CFO work is only as good as the books underneath it, which is why we do both.
Usually when decisions start outrunning your visibility: you are approaching or past seven figures in revenue, weighing a major hire or a second location, managing tight or seasonal cash, preparing to raise money or borrow, or making calls on gut because the numbers arrive too late to help. When your questions move from "what did we make?" to "what happens if…", it is time.
No. If your books are already clean and current, we can layer CFO work on top. In practice most fractional-CFO engagements run best when one team owns both the books and the forecast, because a forecast is only as reliable as the data feeding it — but that is a recommendation, not a requirement.
A management reporting pack, an updated rolling forecast, and a KPI dashboard tracking your real drivers — and the part that matters most, a working session where we walk the numbers together and turn them into decisions. Between meetings you have a finance leader to call before you make a big one.
Far less than a full-time CFO, whose all-in cost can run well over $200,000 a year — you are buying a share of that seniority, not the whole seat. What you pay depends on how much scope and how many meetings you need, and it is set in writing before any work begins. Book a consultation and we will scope it to your situation.
Where we work
Local rules, handled locally.
Let's talk about your fractional cfo.
Thirty minutes, no charge. You'll leave with a written scope and a number.