At some point a growing business needs someone looking at cash, margins, and structure every month, not just at tax time. A fractional CFO gives you that on a part-time basis, with the firm that already knows your numbers.
Know what cash is coming in, what's going out, and when, far enough ahead to do something about it.
We build a rolling 13-week cash forecast from your actual receivables, payables, payroll, debt, and tax obligations, then update it regularly so you see shortfalls and surpluses weeks before they arrive. The forecast becomes the basis for decisions on timing, financing, and reserves.
Where cash is chronically tight we look at the drivers: collection speed, vendor terms, inventory, owner draws, and pricing.
Find out which customers, services, jobs, or locations actually make money, and which ones only look like they do.
We break revenue and costs down to the level where decisions are made: by service line, by job, by customer, or by location. That usually reveals a few things that are quietly subsidizing everything else, and a few that are losing money on every sale.
From there we work on pricing, cost control, and where to focus the business's time, and we build the reporting to track the result.
A budget worth following, and a monthly comparison that explains where the year is going.
We build an annual budget from your history and plans, then each month compare it to what actually happened, with the variances explained in plain terms: this went over because of X; this is ahead because of Y. The point is to catch drift early and keep the year on plan.
Budgets are updated as the business changes, and can include capital purchases, hiring plans, and owner compensation.
The right entities, in the right arrangement, for liability protection, taxes, and the future of the business.
Structure questions come up at specific moments: adding a partner, buying real estate, starting a second line of business, bringing in investors. We work with your attorney to design the entity arrangement (holding companies, operating companies, management companies) and make sure the tax elections and intercompany arrangements match it.
We also review existing structures that have grown by accident to find where simplification or reorganization saves tax and risk.
A calendar of every filing, payment, and renewal the business owes, and someone making sure none of it is missed.
Small businesses are subject to dozens of recurring obligations: federal and state tax deposits, annual reports, licenses, 1099s, sales tax, payroll filings, and industry-specific requirements. We maintain a compliance calendar for your business, handle what falls within our scope, and track the rest so nothing lapses.
When a notice does arrive, we respond to it.
Tell us where things stand and we'll map out the next step.
