You're at $3M ARR. Growing 30% year over year. And you have no idea if you'll run out of cash in 5 months or 15. Your bookkeeper records revenue when Stripe charges the card. That's not how SaaS accounting works. You've got $140K in deferred revenue that nobody's tracking and a CAC payback period nobody's calculated. We fix that.
No contracts · From $3,995/mo · ACMA CGMA · 24 years in professional finance
A customer signs an annual contract for $60K. You book $60K in revenue. Except you didn't earn it yet — that's $55K in deferred revenue sitting on your balance sheet as a liability. Your P&L looks great. Your bank account doesn't. Multiply this across 80 customers and you've got a six-figure gap between what you think you earned and what's actually yours. Without proper revenue recognition, every financial decision you make is based on a lie.
You spent $220K on sales and marketing last quarter. You added 45 new customers. That's $4,889 CAC. Your average contract value is $800/mo. That's a 6-month payback — which sounds fine until you realize your monthly churn is 4%. At that rate, 18% of those customers won't make it to month 6. You're spending money to acquire customers who leave before they're profitable. But nobody's doing this math because nobody built the model.
You added $40K in new MRR last month. You lost $28K to churn and downgrades. Net new MRR: $12K. That's a 70% gross-to-net decay rate. Most founders look at gross bookings and feel good. They don't see the leak. Revenue churn, logo churn, contraction MRR — these need to be tracked separately, monthly, with cohort analysis. Otherwise you're filling a bathtub with the drain open.
A VC sends a due diligence checklist. They want GAAP financials, ASC 606-compliant revenue recognition, a three-statement model, cohort retention data, and a cap table that reconciles. Your books are on cash-basis QuickBooks. Deferred revenue isn't tracked. Your equity schedule is a spreadsheet from 2021. The deal doesn't die because your product is bad. It dies because your finance function isn't real. We've seen it happen at $5M ARR.
You say you have 14 months of runway. But that number assumes every booked deal collects on time, no customers churn, and your burn stays flat. None of those things are true. Actual runway needs to account for collection cycles, net revenue retention, and planned headcount increases. When you model it honestly, 14 months becomes 9. That's the difference between hiring confidently and making payroll by accident.
Everything a full-time controller delivers — tuned for SaaS economics.
MRR, ARR, net revenue retention, gross churn, logo churn, LTV, CAC, CAC payback, LTV:CAC ratio. Updated monthly. Broken out by plan, cohort, and channel. The numbers investors actually ask for — before they ask for them.
Proper deferred revenue tracking. Multi-element arrangements handled correctly. Annual contracts recognized monthly. Your P&L shows what you actually earned — not what Stripe collected. GAAP-compliant and audit-ready.
Rolling weekly forecast that accounts for subscription collection timing, annual prepayments, payroll cycles, and vendor payments. Actual runway — not the optimistic version. Updated every week so you always know exactly where you stand.
Income statement, balance sheet, and cash flow statement closed by the 5th. Variance analysis against budget. SaaS metrics summary. Narrative commentary on what changed and why. Drop it into your board deck without editing.
Three-statement model with monthly granularity. Revenue build-up from cohort assumptions. Headcount plan tied to ARR milestones. Scenario analysis for different growth rates and burn levels. The model VCs expect to see — not a spreadsheet you built at 2am.
60 minutes with a CFO who's seen the SaaS playbook from $1M to $50M ARR. Pricing strategy, hiring timing, runway decisions, fundraising prep. Not a report review — a working session on the decisions that actually move the needle.
409A valuation coordination, SAFE and convertible note conversion modelling, dilution analysis, and option pool planning. Your cap table stays clean through every round — Series A, Series B, and beyond.
TAM/SAM/SOM sizing, competitive landscape analysis, pricing benchmarking against comparable companies. The strategic market context your board expects in every quarterly update — backed by data, not gut feel.
30-minute call. We'll look at your MRR reporting, check how you're handling deferred revenue, and tell you exactly what's missing from your finance stack. No pitch — just proof.
Book Your Free Call →We set up deferred revenue schedules that recognize annual and multi-year contracts monthly over the service period — not when Stripe charges the card. Multi-element arrangements (e.g., implementation fees bundled with subscriptions) are broken out and recognized separately per ASC 606. The result is a GAAP-compliant P&L that shows what you actually earned, which is what investors and auditors expect to see.
You'll receive MRR, ARR, net revenue retention, gross churn, logo churn, LTV, CAC, CAC payback period, and LTV:CAC ratio — broken out by plan tier, acquisition cohort, and channel. These are updated monthly and formatted for board decks. We pull data from your billing system (Stripe, Chargebee, etc.) and reconcile it to your accounting system so the numbers match.
Most SaaS companies between $2M and $50M ARR don't need a $250K+ full-time CFO, but they've outgrown what a bookkeeper can handle. The trigger is usually one of: your board is asking for reporting you can't produce, you're 6–12 months from a fundraise, or your deferred revenue and cash runway calculations are unreliable. A fractional CFO fills that gap at roughly 20–30% of the cost of a full-time hire.
Yes. We build three-statement financial models with monthly granularity — revenue built up from cohort assumptions, headcount tied to ARR milestones, and scenario analysis for different growth and burn rates. We also prepare the data room, coordinate 409A valuations, model SAFE/convertible note conversions, and produce the cap table documentation VCs expect during due diligence.
Most internal runway estimates assume every booked deal collects on time, churn stays flat, and burn doesn't increase — none of which are true. We build a 13-week rolling cash forecast that accounts for actual collection cycles, net revenue retention trends, and planned headcount additions. It's common for our honest model to show 9 months of runway where the founder's estimate said 14.