Fractional CFO
Part-time CFO services for small businesses that need high-level financial strategy, budgeting, forecasting, and guidance without a full-time hire.
What This Is
A fractional CFO is a part-time chief financial officer. You get strategic financial guidance from someone with executive-level experience, but you only pay for the hours you actually use. No salary, no benefits, no commitment to a full-time position that your business doesn’t need yet.
This is for businesses that have outgrown basic bookkeeping but aren’t ready to hire a $150,000 finance executive. You need someone thinking about cash flow, margins, growth plans, and financial strategy. You just don’t need them 40 hours a week.
The Work
The Work
Cash flow forecasting and management. Budget development and variance analysis. Financial modeling for expansion or new ventures. KPI development and tracking. Pricing analysis. Preparation for bank meetings or investor conversations. Strategic input on major business decisions.
The Engagement
The Engagement
Hourly, flexible, and tailored to your needs. Some clients use a few hours per month for ongoing guidance. Others engage more heavily during growth phases, financing rounds, or preparation for a sale. You use what you need when you need it.
Why This Matters
Bookkeeping tells you what happened. A CFO helps you figure out what to do next. Your bookkeeper records that you spent $40,000 last month. A CFO analyzes whether that spending will generate a return and how it affects your cash position six months from now.
Many business owners in the San Gabriel Valley reach a point where they’re making bigger decisions but still relying on intuition instead of financial analysis. They’re considering a second location, a major equipment purchase, or adding staff. The stakes are higher but the financial visibility hasn’t kept pace.
The Growth Gap
The Growth Gap
As businesses grow, the decisions get more expensive. A bad hire costs tens of thousands. A lease commitment locks you in for years. Expansion done wrong can tank a profitable operation. These decisions need financial analysis, not guesswork.
The Visibility Problem
The Visibility Problem
Without forecasting, you’re always reactive. Cash flow problems hit when they arrive, not weeks before. You learn about margin erosion when profits disappear, not when the trend starts. A CFO helps you see problems early enough to fix them.
What Changes
You have someone thinking about the future of your finances, not just recording the past. Someone who can build a model showing what happens if you raise prices by 10% or add a third service truck or open a second location. Someone who asks the hard questions before you sign the contract.
Major decisions get evaluated with actual projections. You know what the cash flow impact will be. You understand the timeline to profitability. You can weigh the risks with real numbers instead of optimistic estimates.
Informed Decisions
Informed Decisions
That expansion you’re considering gets a financial model. That pricing change gets analyzed for impact on volume and margin. That new hire gets evaluated against projected revenue. You make decisions based on numbers, not hope.
Bank-Ready Financials
Bank-Ready Financials
Need a loan or line of credit? You walk in with projections, cash flow forecasts, and a clear financial story. Preparing to sell your business? Your financials are organized and your growth trajectory is documented. You’re ready for whatever comes next.
LA's Small Business Bookkeeper
The Next Step:
A Short Conversation
Tell us about your business and what you're dealing with. We'll listen, ask a few questions, and give you a clear price for the work.