Fractional CFO services that turn your numbers into your next decision
You don’t need a full-time CFO. You need the thinking one brings — without the six-figure salary. Our fractional CFO services give you a senior finance partner who works inside your business part-time, owns the forward-looking numbers, and tells you, in plain English, what they mean and what to do next.
Fractional vs. full-time CFO and what it costs
A full-time CFO runs well past $200K once you add salary, bonus, and benefits — and most growing service businesses don’t yet need one full-time. Fractional gives you the same caliber of thinking for a fraction of the cost, scaled to what you actually need. Across the market, ongoing engagements run from roughly a thousand to fifteen-plus thousand dollars a month depending on size and complexity. We charge a flat monthly fee you’ll know before we start.
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Tell us where the business is and we’ll show you what your numbers are really saying — and which of these services would move the needle first.
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What’s included in our fractional CFO services
Every engagement is built around your business, but the core work falls into seven areas. Most clients use all of them; we dial each up or down to fit where you are.
Cash flow management & forecasting
A forward view of your cash so payroll, taxes, and growth moves never catch you off guard.
Includes:
• A rolling cash flow forecast
• Visibility into what’s coming in, going out, and where it gets tight.
• Working capital, collections, and spending guidance to free up cash.
Budgeting & financial planning (FP&A)
A plan you can run the year by, and a way to see when you’re drifting from it.
Includes:
• An annual budget tied to your goals, by department or job.
• Monthly budget-vs-actual variance with plain-English explanations.
• Scenario and “what-if” planning for big moves.
Profitability & margin analysis
A clear read on which services, clients, and jobs actually make money.
Includes:
• Margin analysis by service line, client, or project.
• Pricing and cost guidance to protect and grow margin.
• A view of where profit leaks out so you can plug it.
KPI dashboards & monthly reporting
A clear read on which services, clients, and jobs actually make money.
Includes:
• Margin analysis by service line, client, or project.
• Pricing and cost guidance to protect and grow margin.
• A view of where profit leaks out so you can plug it.
Strategic & growth planning
The numbers behind your biggest decisions, so you make them with confidence.
Includes:
• Financial modeling for hiring, pricing, locations, and investments.
• Growth and capacity planning tied to cash and profit.
• A seat at the table as part of your leadership team.
Capital, banking & financing support
Help getting and managing the money to grow.
Includes:
• Loan and line-of-credit readiness and lender packages.
• Banking relationship management and capital structure guidance.
• Projections and support for financing conversations.
Exit & succession planning
Building value now so the business is ready when you are.
Includes:
• Profit and systems improvements that raise business value.
• Financial clean-up and readiness for a future sale or transition.
• Owner compensation and succession guidance.
When Growth Gets Wild,
You Need a Fractional CFO
Gain clear financial insight, stronger cash flow, and a strategic partner who helps you make confident decisions before problems knock you off course.
Who our fractional CFO services are for
We do our best work with profitable, founder-led service businesses doing roughly $1–$20M a year — professional services like agencies, consultants, attorneys, architects, and accounting firms, and specialty trades like electrical, plumbing, roofing, and HVAC. If bookkeeping isn’t enough anymore but a full-time CFO is overkill, you’re exactly who this is built for.
How We Work
1. Free clarity call. A short conversation about where you are and where you want to go — and an honest take on whether this is the right move yet.
2. Financial deep-dive. We get inside your numbers and come back with a plain-English read on cash, profit, and the few things worth fixing first.
3. Your monthly CFO partnership. Forecasting, reporting that makes sense, and a standing rhythm to decide on real numbers.
4. Charge ahead. Clarity every month means you stop guessing and start making the moves you’ve been putting off.
What you get every month
No mystery about the deliverables. A typical month includes:
• An updated cash flow forecast and a read on your runway.
• A clear monthly report and KPI dashboard — with what it means up front.
• A working session to make decisions on real numbers.
• A dedicated CFO who knows your business and answers between meetings.
Why founders choose Bull
We don’t give you reports — we give you clarity. Plenty of firms can send numbers; we translate them into a decision and help you make it.
• Plain language, always — no jargon, no talking down.
• A partner inside your business, not a vendor above it.
• Insight first, then the numbers.
• Dependable every month — the consistency that makes confident decisions possible.
Frequently Asked Questions
What’s included in fractional CFO services?
Cash flow management and forecasting, budgeting and FP&A, profitability analysis, KPI dashboards and monthly reporting, strategic and growth planning, capital and financing support, and exit or succession planning — scaled to what your business needs.
How much do fractional CFO services cost?
Far less than a full-time CFO. Most ongoing engagements run from about a thousand to fifteen-plus thousand dollars a month depending on size and complexity. We charge a flat monthly fee you’ll know up front.
What’s the difference between a fractional, outsourced, and virtual CFO?
They’re largely the same idea — a senior CFO who works with you part-time rather than full-time. “Outsourced” and “virtual” usually just emphasize that the person is external and often remote.
How is this different from a financial controller?
A controller keeps your books accurate and your reporting trustworthy — the foundation. A fractional CFO uses that foundation to drive strategy: forecasting, profitability, and the big decisions. Many clients need both.
When should I hire a fractional CFO?
When the business is profitable but the numbers feel unclear — typically $1–$20M in revenue, past bookkeeping but short of needing a full-time CFO.
