A fractional CFO gives you senior finance leadership—cash forecasting, pricing strategy, KPI dashboards, and lender readiness—without the full-time cost. At Henriquez Accounting & Tax Services, our Outsourced Controller/CFO program layers on top of disciplined bookkeeping and quarterly tax planning to turn your numbers into decisions. We support Tampa, St. Pete, Clearwater, Brandon, and beyond—on-site or fully remote. Explore Bookkeeping, Controller/CFO Advisory, and Tax Preparation.

Fractional CFO FP&A & Forecasts Board Reporting

Owner-friendly dashboards, 13-week cash forecasts, and lender-ready financials—delivered on a reliable cadence.

Why Tampa Companies Choose Fractional CFOs

Cash clarity: weekly/biweekly 13-week cash forecasts with collections and disbursement plans.
Pricing & margins: unit economics, contribution margin, and price testing—stop guessing and raise with confidence.
KPI dashboards: growth, gross margin, EBITDA, CAC, LTV, payback, DSO/DPO/DIO, and cash conversion cycle.
Lender & investor readiness: GAAP-aligned statements, covenants/DSCR tracking, and narrative packs.
Scenario planning: base/upside/downside with hiring and capex gates tied to runway.
Leadership minus FTE cost: senior guidance for a fraction of a full-time CFO salary/benefits.

What a Fractional CFO Does (Month–Quarter–Year)

Monthly

Oversee the close: reconciliations, tie-outs, and P&L, Balance Sheet, Cash Flow.
Update 13-week cash forecast, collections focus list, and AP payment plans.
Owner dashboard with KPIs; margin and pricing checks; variance analysis vs. budget.

Quarterly

Board/lender pack: narrative + KPIs, cohort or channel analysis (as relevant), and outlook.
Scenario modeling: hiring plan, capex, inventory buys; DSCR/covenant review.
Tax projections & vouchers; S-Corp reasonable comp and payroll check-ins.

Annually

Budget & operating plan; pricing strategy; compensation and incentive design.
Banking & capital roadmap; insurance review; vendor/contract re-negotiations.

Tampa / Florida Considerations

No state income tax: federal strategy (entity, salary vs. distributions, retirement timing) drives savings.
Sales & tourist tax: correct mapping and timely filings for hospitality/STR; marketplace facilitator rules for e-commerce.
Seasonality & weather risk: reserves, supply chain buffers, and insurance claim documentation checklists.
Labor & growth corridors: hiring plans aligned to demand in Hillsborough/Pinellas/Pasco.

Engagement Models

Ongoing Retainer

Weekly cadence + monthly close oversight and quarterly planning.
Best for growing businesses needing consistent CFO leadership.

Interim / Transition

Bridge a leadership gap; stabilize close, reporting, and bank relations.

Project-Based

Pricing overhaul, lender package, model build, or finance playbook.
Defined scope with clear timelines and deliverables.

Controller + CFO

We pair a fractional Controller with a CFO for end-to-end finance.

KPIs We Track

Growth: revenue, gross margin, and EBITDA trends vs. plan.
Cash: runway, DSCR, burn multiple, and cash conversion cycle.
Sales efficiency: CAC, LTV, payback; customer concentration.
Working capital: DSO/DPO/DIO and inventory turns.

Pro Tip: Tie every new hire to a model gate (payback/DSCR threshold) and pre-approve downside actions—so decisions are fast when conditions change.

Recommended Stack

Accounting: QuickBooks Online/Desktop.
AP & spend: Bill.com or Ramp with approvals and vendor management.
Receipts & docs: Dext/Hubdoc with retention and attachment discipline.
Payments & sales: Stripe/Square with proper Merchant Clearing treatment.
FP&A: driver-based models (Excel/Sheets) with monthly refresh and version control.

Common (Costly) Gaps We Fix

No 13-week cash forecast; surprises on payroll or inventory buys.
Pricing not tied to unit economics and contribution margin.
Unreconciled months; weak lender narratives and missed covenants.
Messy SKU/channel reporting; CAC payback unknown or stale.

What You’ll Get When You Work With Us

Owner dashboard and board-ready reporting—every month.
13-week cash forecast with actionable AR/AP plans.
Pricing & margin playbook plus scenario modeling.
Lender packages, covenant tracking, and clear narratives.
Secure portal, e-sign, documented SLAs, and fast response times.

Book a 30-Minute Consultation

FAQs

When should I hire a fractional CFO?

When cash gets tight or growth accelerates—if you’re planning hires, raising prices, seeking financing, or scaling inventory, you’ll benefit from CFO-level modeling and cadence.

How is a fractional CFO different from a bookkeeper or accountant?

Bookkeepers close the books; accountants/EA/CPAs handle tax and compliance. A fractional CFO leads strategy: forecasts, pricing, KPIs, and lender/investor readiness.

What does it cost vs. a full-time CFO?

Typically a small fraction of a full-time CFO salary/benefits, with a defined scope, cadence, and measurable outcomes.

Can you work with my current team and systems?

Absolutely. We integrate with your existing bookkeeper, CPA, and tools—adding oversight, modeling, and leadership.

How quickly will I see impact?

Most clients see traction within one close cycle (30–60 days): reliable dashboards, a working cash forecast, and clearer decisions.

Ready for CFO-level clarity—without a full-time hire?

We’ll deliver a 13-week cash forecast, owner dashboard, and pricing/margin plan that turn your numbers into action. Talk to an Enrolled Agent today. Schedule Consultation

Why Tampa Businesses Are Embracing Fractional CFO Services