Fractional CFO Services
Stop Flying Blind.
Get a Fractional CFO Who Delivers by the 5th.
A fractional CFO gives your $2M–$50M business senior-level financial leadership — management accounts, cash flow forecasts, KPI dashboards — without the $300K+ salary. Stuart Wilson, ACMA CGMA, delivers decision-ready financials by the 5th of every month.
What Is a Fractional CFO?
A fractional CFO (also called a part-time CFO, outsourced CFO, or virtual CFO) is a senior financial executive who works with your business on a part-time or contract basis. You get the same strategic financial leadership as a full-time CFO — financial planning, cash flow management, KPI dashboards, board reporting, and fundraising support — at 40–60% lower cost.
Unlike a bookkeeper or CPA who focuses on recording transactions and tax compliance, a fractional CFO is forward-looking. They translate your financial data into decisions: Where should you invest? When will cash run tight? Which service lines actually make money? What does the board need to see?
Fractional CFO vs Controller vs Bookkeeper
| Role | Focus | Typical Cost | Best For |
|---|---|---|---|
| Bookkeeper | Transaction entry, categorization, bank reconciliation | $500–$2,500/mo | Businesses under $1M |
| Controller | Monthly close, GAAP compliance, management reporting | $3,995–$5,995/mo | Businesses $1M–$5M |
| CFO | Strategy, forecasting, fundraising, board reporting, M&A | $5,995–$8,995/mo | Businesses $5M–$50M+ |
What You Actually Receive Each Month
Every BlackpeakCFO engagement delivers a concrete set of outputs — not vague "advisory" time. By the 5th business day of every month:
📊 Management Accounts
P&L, balance sheet, and cash flow statement with written commentary explaining what drove the numbers and what to do about it. Not just data — interpretation.
📈 KPI Dashboard
Revenue growth rate, gross margin by service line, customer acquisition cost, cash conversion cycle, AR aging, and the 5–7 metrics that actually matter for your business.
💰 13-Week Cash Flow Forecast
Rolling weekly forecast showing exactly when cash gets tight, when you can invest, and what happens under different scenarios. No more surprises.
📋 Budget vs Actual
Variance analysis showing where you're over/under budget, why, and what to adjust. The single most important tool for financial discipline.
🔍 AP/AR Aging
Who owes you money, who you owe, and a collections strategy for anything over 30 days. Cash flow problems start here — and so do the solutions.
🤝 Strategy Calls
Monthly deep-dive review (45–60 min) plus ad-hoc access via email, Slack, or Teams. Questions answered within 4 business hours.
Who Hires a Fractional CFO?
Fractional CFO services are designed for businesses between $2M and $50M in revenue that have outgrown their bookkeeper but aren't ready for a $300K+ full-time CFO hire. Common profiles include:
- Founders/CEOs who are also the finance department — spending 10+ hours/month on spreadsheets instead of growing the business
- PE-backed or VC-backed companies — investors demanding professional-grade financial reporting and KPI tracking
- Construction companies — struggling with WIP schedules, job costing, and margin fade across multiple projects
- SaaS companies — needing MRR/ARR tracking, cohort analysis, and investor-ready metrics dashboards
- Law firms and professional services — trust accounting compliance, realization rate tracking, and partner distribution planning
- E-commerce and DTC brands — contribution margin analysis, inventory management, and marketplace fee reconciliation
- Multi-entity businesses — consolidation across subsidiaries, intercompany eliminations, and cross-border reporting
- Companies preparing for exit or fundraising — need 12–24 months of clean financials to maximize valuation
When Should You Hire a Fractional CFO?
Consider a fractional CFO if any of these describe your situation:
⚠️ Cash flow surprises
You've been caught off guard by a cash crunch more than once in the past year.
⚠️ Decisions on gut
You're making pricing, hiring, or investment decisions without reliable financial data.
⚠️ CPA gives you last year's numbers
Your CPA only shows up at tax time with backward-looking reports.
⚠️ You ARE the finance department
The CEO is also the person reconciling bank statements at midnight.
⚠️ Board wants real reporting
Your investors or board are asking for monthly packs and you're scrambling.
⚠️ Growth outpacing controls
Revenue is up but you're not sure if you're actually more profitable.
⚠️ Can't answer "what's our runway?"
You don't have a 13-week cash flow forecast. You're guessing.
⚠️ Exit on the horizon
A sale, merger, or fundraise is 12–24 months away and your books aren't ready.
Not ready yet? If your revenue is under $500K and finances are simple, a good bookkeeper may be enough. But once complexity rises — multiple revenue streams, employees, contracts, or entities — that's when a fractional CFO pays for itself.
How Much Does a Fractional CFO Cost?
BlackpeakCFO pricing: $3,995 – $8,995/month
Full-time CFO cost: $250,000 – $500,000+/year (salary + benefits + bonus + equity + recruiting)
You save 60–80% with fractional.
| Tier | Monthly | Includes | Best For |
|---|---|---|---|
| Controller | $3,995 | Monthly close, management accounts, KPI dashboard, reconciliations | $2M–$5M businesses |
| CFO | $5,995 | Everything in Controller + cash flow forecasting, budget modeling, strategic advisory | $5M–$10M businesses |
| Board Ready | $8,995 | Everything in CFO + board packs, M&A support, exit planning, investor reporting | $10M–$50M+ or PE-backed |
UK pricing starts at £1,995/month. All tiers include AI-powered accuracy, human review, and the by-the-5th delivery guarantee. See full pricing details →
Fractional CFO vs Full-Time CFO
| Fractional CFO | Full-Time CFO | |
|---|---|---|
| Cost | $3,995–$8,995/month | $250K–$500K+/year |
| Commitment | Month-to-month | Long-term employment |
| Availability | 10–20 hrs/month focused | 40 hrs/week embedded |
| Industry breadth | Multi-industry experience | Deep single-company knowledge |
| Ramp time | 48 hours to start | 3–6 month recruiting + onboarding |
| Best for | $2M–$50M revenue | $50M+ revenue |
Most businesses transition from fractional to full-time around $50M+ when daily financial oversight becomes necessary. A good fractional CFO helps you hire their full-time replacement when you're ready. Read the full comparison →
How It Works: Getting Started with BlackpeakCFO
Discovery Call (15 min)
Quick conversation about your business, current pain points, and what you actually need. No sales pitch — just an honest assessment of whether fractional CFO services make sense for you right now.
Connect & Diagnose (48 hours)
Read-only access to your accounting platform and bank feeds. You receive a diagnostic: open reconciliation items, process gaps, and a prioritized cleanup plan. No surprises — you see exactly what needs fixing.
First Management Pack (Day 30)
Your complete management accounts package lands on your desk by the 5th. P&L, balance sheet, cash flow, KPIs, and written commentary. From this point forward, you never fly blind again.
Why BlackpeakCFO?
Principals Only
Stuart Wilson, ACMA CGMA, handles every engagement personally. No junior associates learning on your account. When you email, he replies.
AI-Powered, Human-Reviewed
AI handles the volume work — categorization, matching, anomaly detection. Human judgment handles every decision and recommendation. Enterprise accuracy at fractional pricing.
24 Years in Professional Finance
Citigroup, ABN AMRO, Arle Capital Partners, The Bancroft Group, Leaf Clean Energy PLC. Investment banking, private equity, fund administration. This isn't a bookkeeper calling themselves a CFO.
US & UK Cross-Border
Dual-qualified across both jurisdictions. If you have entities in both the US and UK, you don't need two finance teams. Multi-entity consolidation, FX management, and transfer pricing built in.
Free Financial Tools
Try our AI-powered calculators — no sign-up required:
🏗️ Margin Fade Calculator
See how much profit your construction projects are actually losing from bid to completion.
🔥 Burn Rate Calculator
Calculate your SaaS runway under different growth and spending scenarios.
📊 CFO ROI Calculator
Estimate the financial return of hiring a fractional CFO for your specific business.
Related Guides
- Fractional CFO vs Full-Time CFO: The Real Cost-Benefit Analysis
- When to Hire a Fractional CFO: 12 Signs Your Business Is Ready
- How to Hire a Fractional CFO: A CEO's Complete Guide
- Why Your CPA Can't Be Your CFO (And What to Do About It)
- What Fractional Controller Services Actually Cost in 2026
- In-House vs Outsourced Accounting: The Full Comparison
Case Studies — Real Results
Your First Management Pack
Is 30 Days Away.
In 15 minutes, we'll look at your current financial setup, identify what's costing you money, and map out exactly what you'd receive by the 5th of next month. You'll leave with a diagnostic — whether we work together or not.
Get Your Free Financial DiagnosticFree · 15 minutes · You keep the diagnostic either way
If your first management pack doesn't give you at least one actionable insight worth more than my entire fee, I refund every penny. You keep the reports. No questions. No awkwardness.
