Books behind. Bench gone.
Tax season coming. Let's get it handled.

No — a CGMA (Chartered Global Management Accountant) and a CPA serve different functions. The CGMA is the joint AICPA/CIMA designation focused on management accounting, strategy, and financial planning. Your CPA handles tax filings and compliance. That's their expertise. I handle everything that happens before year end: the books, the management accounts, the forecasts, the analysis. At year end, your CPA gets a complete, organized, reconciled package ready to file. We complement each other. Already have a CPA? Great, I work alongside them. Need one? I'll connect you with a trusted partner in your state.

I carry professional liability insurance. But more importantly, the system is designed to prevent mistakes before they happen. AI flags anomalies. I review every number. Your CPA provides a third layer at year end. In 24 years in professional finance, my books have been audited by Big 4 firms with zero material findings. But if something ever does slip through? I fix it immediately, at my cost, no questions.

You can start within 48 hours. After connecting your accounting platform and bank feeds, you'll receive a diagnostic: open items, reconciliation gaps, and a prioritized cleanup plan. Full onboarding typically takes one week, not the 6-week process some firms require. If your books are behind, the catch-up starts immediately.

Your bookkeeper stays — a fractional CFO works above the bookkeeping layer, not instead of it. Your bookkeeper handles day-to-day transaction entry. I sit above that layer, turning their data into management accounts, forecasts, KPI dashboards, and the strategic analysis your bookkeeper was never hired to produce. Think of it as adding a controller on top of your existing team, not replacing anyone. If your bookkeeper needs guidance on coding or processes, I'll work directly with them to tighten things up.

Yes — if you're running a growing business without a dedicated finance function, you're making decisions on incomplete data. The cost isn't the hours you spend reconciling or building spreadsheets. It's the decisions you're not making because the data isn't there. A 13-week cash flow forecast, margin analysis by service line, budget vs. actual variance: these are the tools that turn a growing company into a valuable one. The question isn't whether you can do the work. It's whether your time is better spent on the work only an owner can do. See what's included ↑

A fractional CFO costs $3,995–$8,995 per month — roughly 40–60% less than a full-time CFO hire. By the 5th of every month you receive: a full management pack (P&L, balance sheet, cash flow statement with written commentary), KPI dashboard, 13-week cash flow forecast, budget vs. actual variance analysis, and AP/AR aging reports. Plus strategy calls with me directly. Everything is GAAP-compliant, CPA-ready, and comes with plain-English notes explaining what drove the numbers and what to do next. The scope scales with your tier. See pricing above ↑

I handle it. CPA liaison, bank reporting packages, lender covenant compliance, audit support. That's my job, not yours. Your CPA gets a clean package. Your bank gets formatted reports. You get your time back. The whole point is that you stop being the middleman between your financial service providers.

Yes — if your business is heading toward a sale, a funding round or a bank facility, I prepare the board packs, investor reporting and forecasts those conversations demand. I spent seven years as a Group Finance Director for a portfolio of owner-managed businesses, and earlier years embedded in portfolio-company finance teams — so the reporting I produce is built to stand up to outside scrutiny from buyers, investors and lenders. For a specific transaction we scope a custom engagement once you send your details. See pricing ↑

When you outgrow fractional, I help you hire my full-time replacement — that's by design. A fractional controller is the bridge between where you are and where you're going. When you're ready for a full-time hire, I'll help you write the job spec, evaluate candidates, and ensure the transition is smooth. Your books, processes, and reporting systems stay with you. Nothing is locked into a proprietary platform. Most businesses at this stage need 12–24 months of fractional support before a full-time controller makes economic sense.

Yes — construction is one of our core verticals. I handle WIP schedules, job cost reconciliation, overbilling/underbilling analysis, AIA billing, and percent-complete revenue recognition. Construction companies lose 3–8% margin on every project without proper financial controls. Our margin fade calculator helps you see exactly where projects leak profit.

Absolutely. MRR, ARR, churn, LTV:CAC, net revenue retention, cohort analysis, and burn rate tracking are standard deliverables on a SaaS engagement. You'll get a metrics dashboard that speaks investor language, not just bookkeeper language. Try our burn rate calculator to see where your runway stands.

Law firms and professional services are ideal for fractional CFO support. I handle trust accounting compliance, IOLTA reconciliation, partner distribution planning, realization rate tracking, and WIP aging analysis. If billable hours aren't converting to collected revenue, that's the gap I close. Most firms don't realize they have a 15–25% leakage between billed and collected amounts until someone actually measures it.

Yes. E-commerce financial management includes contribution margin by channel/SKU, inventory management and COGS tracking, marketplace fee reconciliation (Amazon, Shopify, etc.), customer acquisition cost analysis, and 3PL cost optimization. If you're spending on ads without knowing your true contribution margin per order, you're likely losing money on some of your best-selling products.

This is something I've handled before. From earlier roles at Arle Capital Partners and The Bancroft Group, I know what buyers, lenders and investors look at: clean monthly reporting, variance analysis, KPI dashboards, covenant tracking and exit-ready financials. If you're preparing for due diligence, a bank facility, an SBA loan or a sale, I'll help you build the financial picture they need to see.

Yes — cross-border US/UK finance is one of our differentiators. I'm qualified in both jurisdictions: ACMA/CGMA (UK Chartered Institute) and aligned with US GAAP. I handle intercompany eliminations, transfer pricing documentation, FX management, and consolidated reporting across US and UK entities. If you're a UK company expanding to the US (or vice versa), you don't need two separate finance teams.

Yes. Multi-entity consolidation is standard work. I handle intercompany eliminations, minority interest calculations, different charts of accounts, and reporting across QuickBooks, Xero, NetSuite, Sage, or any combination. If your subsidiaries are on different systems, the first step is a standardized consolidation template — not necessarily migrating everyone to one platform.

Yes. I have direct fund accounting experience, including NAV calculations, investor allocations, capital calls, distribution waterfalls, and LP reporting. I was part of the Leaf Clean Energy Company administration when it first launched, handling the investment pipeline and due diligence processes. Whether you're running a PE fund, real estate fund, or venture fund, I can manage the financial reporting.

All the major platforms: QuickBooks Online, QuickBooks Desktop, Xero, Sage Intacct, NetSuite, FreshBooks, and Wave. I also work with construction-specific tools (Procore, Buildertrend, Foundation), project management platforms (Monday, Asana), and BI tools (Power BI, Tableau). The tool doesn't matter — the process and outputs do.

AI handles the volume work; I handle the judgment. AI categorizes transactions, matches invoices, flags anomalies, and generates first-pass variance commentary. This means your reports are ready faster and more accurate. But every number, every insight, and every recommendation is reviewed by me before it reaches your desk. AI is the assistant, not the accountant. It means you get enterprise-grade thoroughness at fractional pricing.

Yes. ERP migrations are high-risk projects that require someone who understands both the accounting and the technology. I handle chart of accounts mapping, historical data migration, parallel running, user training, and post-migration reconciliation. Most failed ERP migrations fail because nobody mapped the business processes first. I start with your workflows, then configure the system to match — not the other way around.

Professional-grade security is non-negotiable. All data is encrypted in transit and at rest. I use read-only bank feed connections (no payment access), MFA on all platforms, and signed NDAs before any engagement begins. I carry professional liability (E&O) insurance. Your financial data never touches shared infrastructure or AI training datasets. 24 years in banking and private equity taught me that data security isn't a feature — it's a prerequisite.

I implement SOX-aligned controls for companies that need them. Segregation of duties, documentation of internal controls, reconciliation sign-off procedures, and audit-ready workpapers are standard deliverables. For annual audits, I prepare the full audit package: trial balance, reconciliations, supporting schedules, and management representation letters. Your auditors spend less time asking questions because the answers are already organized.

No long-term contracts. Month-to-month after the first 30 days. I believe if I'm delivering value, you'll stay. If I'm not, you shouldn't be locked in. The only thing I ask for is 30 days' notice so I can prepare a clean handover.

A fractional CFO costs $3,995–$8,995/month. A full-time CFO costs $250,000–$500,000+ annually (salary, benefits, bonus, equity, recruiting fees). That's a 60–80% cost reduction with fractional. For most owner-managed businesses, you don't need 40 hours a week of CFO time. You need the right 10–20 hours focused on the decisions that actually move the business. See our pricing tiers →

The return shows up in five places. Recovered margin (spotting unprofitable services or projects), steadier cash flow (13-week forecasting prevents crises), lower audit and tax-prep fees (clean books are faster to work through), sharper pricing decisions (real cost data instead of gut feel), and your own time back (you stop being the finance department). Try our ROI calculator to estimate your specific return.

Yes. You can start at the Controller tier ($3,995/month) for monthly close, reconciliation and management reporting — then move up to the CFO tier as your needs evolve. The beauty of fractional is that it scales with you. No need to hire-fire-rehire as your business grows.

By the 5th business day of every month, your complete management pack is on your desk. That includes: P&L, balance sheet, cash flow statement (all with written commentary), KPI dashboard, 13-week rolling cash flow forecast, budget vs. actual variance analysis, and AP/AR aging. No chasing. No "we need a few more days." The 5th is a hard deadline, not a suggestion. This is the standard I set because I've seen what happens when finance teams deliver reports on the 20th — by then, the data is stale and the decisions have already been made without it.

Whatever works for you. The usual rhythm is a monthly deep-dive call (45–60 min) when the management pack lands, plus ad-hoc access via email, Slack or Teams for questions that come up. I respond within 4 business hours during US Eastern time. I'm not going to make you schedule a meeting to ask a quick question.

I take a maximum of 8–10 active clients at any time. This is deliberate. Fractional doesn't mean half-effort. When I take you on, you get senior-level attention, not delegated-to-a-junior attention. AI handles the scale; I handle the relationships. If I'm at capacity, I'll tell you upfront and offer to put you on a waitlist rather than deliver mediocre work.

US Eastern Time (EST/EDT), Monday through Friday, 9 AM – 6 PM. I also work with UK businesses, with overlap hours. If you're on the West Coast, the 3-hour difference actually works in your favour — your reports are ready before your day starts. Businesses in other time zones are accommodated with async communication and scheduled calls.

Days 1–14: Diagnostic — identify open items, reconciliation gaps, process weaknesses. Days 15–30: First management pack delivered. You'll see your numbers in a way you've never seen them. Days 31–60: Cash flow forecast operational, KPI dashboard live, budget vs actual tracking in place. Days 61–90: Strategic insights — margin analysis by service line, pricing optimization recommendations, and a 12-month financial roadmap. By day 90, you'll wonder how you ran the business without this.

Significantly. Buyers and investors pay a premium for businesses with clean, reliable financial data. Companies with auditable books, KPI tracking, and 3-year financial models sell for 1–3x higher multiples than those with a shoebox of receipts. If exit or fundraising is on your horizon, 12–24 months of structured financial management dramatically increases your valuation and reduces due diligence friction.

Three things: (1) Principals only — Stuart Wilson handles your account personally. No junior associates learning on your dime. (2) AI-powered accuracy — enterprise-grade analysis at fractional pricing. AI handles volume; I handle judgment. (3) Dual US/UK qualification — ACMA CGMA chartered management accountant with 7 years as Group Finance Director for a portfolio of small and mid-sized businesses (24 years in professional finance overall). Most fractional CFO firms are really staffing agencies. BlackpeakCFO is a senior practitioner with a direct line.