Transforming Your Financial Strategy with a Fractional CFO

A Fractional CFO gives you executive-level finance leadership without the full-time overhead—turning bookkeeping data into decisions that grow profit and protect cash. At Henriquez Accounting & Tax Services, we pair monthly books with forecasting, pricing strategy, and lender/board reporting so you can scale with confidence. Explore Bookkeeping, Outsourced Controller/CFO, Tax Preparation, and Business Consulting.

When a Fractional CFO Makes Sense

• Revenue is steady and you’re hiring or adding locations/products.
• Margins feel tight; pricing and discounts aren’t tied to costs.
• Bank covenants, debt, or investor reporting needs are growing.
• Cash surprises—no 13-week forecast or budget vs. actual cadence.
• Multi-entity or multi-state complexity; need clean close & consolidation.

What a Fractional CFO Actually Does

• Forecasting & Budgeting: 12–18 month FP&A model plus a weekly 13-week cash forecast.
• Pricing & Unit Economics: contribution margins by SKU/service; discount guardrails.
• KPI Dashboards: gross/operating margin, CAC/LTV (where relevant), DSO/DPO/DIO, runway/DSCR.
• Capital & Banking: lender packages, covenant monitoring, revolver/LOC strategy.
• Tax-Aware Planning: coordinate entity, reasonable comp, and timing with our EA/CPA team.
• Board/Owner Reporting: clean monthly deck with narrative and action items.
• Systems & Controls: close checklist, approvals, COA hygiene, and spend policies.

What We Do (Month–Quarter–Year)

Monthly

• Review close package; update forecast; variance analysis with owner memo.
• AR collections cadence; AP batching & vendor terms; cash runway check.
• Pricing/margin review by product/service; hiring plan checkpoints.

Quarterly

• Board/owner packet; scenario planning (base/stretch/downside).
• Estimated tax updates; covenant test & lender update if applicable.
• Budget tune-up; KPI target refresh; insurance and major vendor re-quotes.

Annually

• Full operating budget and cash plan; comp & incentive design.
• Strategic plan and capital roadmap; audit/finance review if needed.
• Tax returns (1120S/1065/1120; 1040 Schedules C/E) coordinated with next-year projections.

Common (Costly) Mistakes We Fix

• Running the business from the bank balance—no forecast, no targets.
• Pricing not linked to contribution margin; “one-size” discounts.
• Late closes and messy COA; unclear owner draws vs. payroll.
• Debt terms unmanaged; covenant surprises; weak lender communication.
• No documentation for CapEx, inventory, or project accounting.

Engagement Options

• Fractional CFO Retainer: recurring leadership with a defined monthly cadence & KPIs.
• Project-Based: financial model, pricing overhaul, bank package, or cleanup.
• Interim: bridge coverage during transitions or special situations.

What You’ll Get When You Work With Us

• 12–18 month FP&A model plus weekly 13-week cash forecast.
• Owner dashboard with margins, runway, DSO/DPO/DIO, and red-flag alerts.
• Monthly close deck with actions; quarterly strategy & tax updates.
• Lender/board-ready reporting and covenant tracking.
• Documented processes, approvals, and a reliable close schedule.

 Book a 30-Minute Consultation

FAQs

How is a Fractional CFO different from a Controller?

Controllers ensure accurate books and a timely close. A CFO turns those numbers into decisions—forecasting, pricing, funding, and strategy. We provide both, but scope and cadence differ.

When should I bring on a Fractional CFO?

When growth, margins, cash, or external reporting hurdles outgrow basic bookkeeping. Typical triggers: steady revenue, hiring, debt/investors, or multi-entity complexity.

What’s the typical meeting cadence?

Monthly deep-dive on close & forecast, brief weekly cash review during ramp-up, and quarterly strategy sessions. We adapt to your rhythm.

Do you work with my systems?

Yes—QuickBooks Online/Desktop, common payroll and AP tools, and commerce connectors. We’ll right-size the stack and implement controls.

Can you help with lenders or fundraising?

Absolutely—covenant tracking, lender updates, bank packages, and model-backed narratives; we coordinate with your legal/advisory partners.

Ready to turn reports into results?

We’ll implement forecasting, dashboards, and disciplined reviews so you scale with fewer surprises. Talk to a Fractional CFO today. Schedule Consultation