Fractional & part-time CFO.
Senior financial leadership for businesses that need it but cannot yet justify a full-time hire — typically a day or two a week, on an ongoing basis.
Do you actually need one?
Usually the signs are the same. The bookkeeping is being done but nobody is reading it. You find out about a cash problem the week it arrives rather than the quarter before. The bank is asking for something and you are not sure what it really wants. You are making pricing decisions on instinct because the margin numbers by product line do not exist.
None of that requires a full-time CFO. It requires a CFO, for a couple of days a month.
What the work covers
-
Financial reporting
Monthly management accounts you can actually act on — not just a trial balance. Consistent, on time, with the commentary that explains what moved.
-
Cash flow & working capital
Rolling forecasts, receivables and payables discipline, and inventory that stops quietly absorbing your cash.
-
Budgeting & margin analysis
Budgets that get revisited, and gross margin broken down by product, customer or line so pricing stops being guesswork.
-
Banking & lender relationships
Four years inside RBC commercial lending means he knows how a credit file is read, what covenants actually bind, and what to have ready before you are asked.
-
Strategic & financial advisory
Capital allocation, expansion decisions, make-or-buy, and the financial modelling behind them.
How engagements are structured
-
Introductory call
Thirty minutes, no charge. What the business does, and what is actually bothering you.
-
Review
A look at current reporting, systems and tax position, so any proposal reflects what is really there.
-
Scope and fee
A written scope with a fixed monthly fee. No hourly surprises, and scope changes as the business does.
-
Ongoing
A standing monthly rhythm, plus a phone number for the questions that will not wait for month end.
Find out what this would look like for your business.
An introductory call costs nothing and takes half an hour.