Fractional CFO Services

CFO-level financial leadership. Without the full-time hire.

Aberny CPA's Fractional CFO service gives growing businesses the financial visibility, forecasting, and strategic guidance of a seasoned CFO — at a fraction of the cost. Monthly reporting, cash flow management, and executive-level insight, on demand.

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Fractional CFO Services

Planning · Reporting · Strategy

On-Demand

CFO leadership when your business needs it

80% Less

Than a full-time CFO hire in California

Monthly financial reporting & analysis
Cash flow forecasting & management
KPI dashboards & performance tracking
Strategic planning & growth advisory
Investor & lender financial packages

What’s Included

Everything covered under this service

A detailed look at what Aberny CPA handles on your behalf — so nothing is left to chance.

Monthly close, P&L review, balance sheet, and cash flow statement with written management commentary
Cash flow forecasting with 12-month rolling projections updated each month as actuals come in
KPI dashboard development tailored to your industry, business model, and growth stage
Annual budgeting and ongoing budget-versus-actual variance tracking with explained deviations
Financial projections and packages for SBA loans, bank financing, or investor presentations
Pricing strategy analysis and gross margin review to identify where money is being left on the table

Strategic financial planning — evaluating expansion, new locations, hiring, or new service lines before you commit
Onboarding and cleanup of QuickBooks or other accounting systems to ensure your data is reliable
Vendor and cost structure reviews to identify savings and improve operating efficiency
Capital structure advice — debt, equity, and how to fund growth without unnecessary risk
Exit planning financial support — getting your numbers investor-ready for a sale or ownership transition
Direct communication with your lender, banker, attorney, or investors on your behalf as needed

How It Works

Our process, from first call to ongoing support

We make getting started simple. Here’s what to expect when you work with Aberny CPA.

Financial Assessment

We review your current financials, reporting systems, and gaps to understand exactly where your business stands today.

Onboarding & Setup

We establish your reporting cadence, build KPI dashboards, and configure your financial infrastructure so everything is clean and reliable.

Monthly Close & Reporting

Each month we close the books, prepare financial statements, update the cash flow forecast, and deliver a written management report you'll actually read.

Strategy Sessions

Regular check-ins to review performance, discuss the forecast, and plan for what's ahead — hiring, expansion, capital, or anything else on the horizon.

On-Demand Support

Between scheduled calls, we're available when a decision, opportunity, or problem arises — not just at month-end.

Common Use Cases

When businesses bring in a Fractional CFO

You don’t need to be a large company to need CFO-level thinking. Here’s when our clients typically call.

You’ve Outgrown Your Bookkeeper

Revenue is growing but financial reporting isn’t keeping up. You need more than monthly numbers — you need analysis and a plan.

You Have a Cash Flow Problem

Money comes in but never seems to be there. We diagnose the root cause and build a plan to fix it — not just describe the symptom.

You’re Planning a Major Expansion

Opening a location, hiring a team, or launching a new service line? We model the numbers before you commit.

You’re Preparing to Raise Capital

Investors and lenders want clean financials and credible projections. We get your numbers ready before you walk into those conversations.

You’re Planning an Exit or Sale

Financial performance directly affects your valuation. We help you optimize the numbers and get your books exit-ready well before you go to market.

You Just Need Better Visibility

Not sure where your business stands month to month? We build the dashboards and reporting that give you real confidence in your numbers.

FAQ

Common questions about this service

What is a Fractional CFO?

A Fractional CFO is an experienced financial executive who works with your business on a part-time or as-needed basis. You get the strategic financial leadership of a seasoned CFO — forecasting, cash flow management, financial reporting, and executive-level analysis — without the $200K+ salary of a full-time hire. It's CFO-level expertise right-sized for a growing business.

How is a Fractional CFO different from a bookkeeper or CPA?

A bookkeeper records transactions. A CPA prepares your tax return. A CFO uses financial data to drive business decisions. A Fractional CFO builds the reporting, forecasting, and strategy layer that sits above bookkeeping and tax — turning your numbers into a tool for growth, not just a compliance requirement.

What does a Fractional CFO actually do each month?

Typically: monthly close and financial statement review, cash flow forecasting updates, budget-vs-actual variance analysis, KPI reporting, and a strategy call. If you're in a growth or transition phase, we also work on specific projects — loan packages, expansion analysis, or investor presentations.

When does a business need a Fractional CFO?

Most businesses are ready when they're generating $500K–$10M in revenue and have outgrown basic bookkeeping but aren't yet large enough to justify a full-time CFO. Other triggers: cash flow problems you can't explain, a major financial decision on the horizon, or preparation for a capital raise or sale.

How much does a Fractional CFO cost compared to a full-time hire?

A full-time CFO in California typically costs $180,000–$250,000 annually in salary alone, plus benefits and overhead. A Fractional CFO delivers comparable strategic value at a fraction of that — structured around what your business actually needs each month, not a fixed headcount cost.

Let’s Talk

Ready to work with a CPA who gets your business?

Schedule a free 30-minute consultation. We’ll review your situation and show you how Aberny CPA can help.

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