Fractional CFO
Part-time CFO-level support for businesses that need financial leadership without the cost of a full-time hire. Cash flow forecasting, analysis, and strategic planning.
What This Is
A fractional CFO is a part-time chief financial officer who works with your business on an ongoing basis. You get the same caliber of financial leadership that larger companies have in-house, but without the six-figure salary and benefits package. This is not an occasional consultant who drops in once a year. It is someone who knows your numbers, understands your business, and is involved in the decisions that shape where you are headed.
The work covers cash flow forecasting, financial analysis, budgeting guidance, pricing decisions, growth planning, and the kind of strategic thinking that most small business owners don’t have time for or training in. Miguel brings over 20 years of experience including serving as VP of Finance for a nonprofit managing millions across dozens of countries. That background now goes to work for owner-operated businesses in the Tampa Bay area.
The Role
The Role
A fractional CFO looks at your business from a financial perspective and helps you make better decisions. That means reviewing your numbers regularly, identifying trends and risks, building cash flow projections, evaluating whether you can afford to hire or expand, and making sure your financial foundation supports the direction you want to go.
The Engagement
The Engagement
Every business needs something different. Some owners want monthly meetings with a deep review of performance and planning. Others need weekly involvement during a growth phase or transition. We scope the engagement based on what your business actually requires and adjust as things change.
Why This Matters
Most small business owners are wearing too many hats. You are running operations, managing people, handling customers, and trying to figure out the financial side in whatever time is left. The result is that financial decisions get made based on gut feeling or a quick glance at the bank balance rather than on actual data and projections. That works until it doesn’t, and when it stops working, the consequences tend to be serious.
There is a gap between having a bookkeeper keep your records straight and having someone who can interpret those records and tell you what they mean for your future. A contractor might have a profitable year on paper but run out of cash because receivables are slow and materials need to be paid upfront. A growing service business might take on too many clients without realizing their margins are shrinking with every new hire. These are CFO-level problems, and they don’t resolve themselves.
Flying Blind
Flying Blind
Without someone analyzing the numbers, you are reacting to problems instead of preventing them. You find out about a cash shortfall when payroll is due, not three months earlier when there was still time to adjust. Decisions about pricing, hiring, and spending happen without the financial context that should be driving them.
The Growth Ceiling
The Growth Ceiling
Many small businesses plateau not because they lack demand or talent but because they lack the financial infrastructure to scale. They don’t have reliable projections, they don’t understand their true cost structure, and they don’t have anyone helping them plan for what comes next. That ceiling stays in place until someone with the right experience helps remove it.
What Changes
You stop guessing and start deciding with confidence. Cash flow forecasts show you what the next 30, 60, and 90 days look like so you can plan accordingly. Financial reports become tools you actually use rather than documents you file away. When a big decision comes up, whether it is buying equipment, hiring a crew, or opening a second location, you have someone who can model the financial impact before you commit.
Over time the relationship builds. Your fractional CFO learns the rhythms of your business, the seasonal patterns, the client concentration risks, the cost drivers that matter most. That depth of understanding means the advice gets more specific and more valuable as the engagement continues. You get a financial partner who is invested in your success without the overhead of a full-time executive.
Better Decisions, Faster
Better Decisions, Faster
When you can see the financial picture clearly, you act with more certainty and less hesitation. Opportunities get evaluated quickly. Risks get identified before they become problems. You spend less time worrying about money and more time running the business because someone else is watching the numbers for you.
A Real Plan for Growth
A Real Plan for Growth
Growth without a financial plan is just chaos that happens to be going well for now. With a fractional CFO involved, expansion is tied to actual numbers. You know your break-even points, your margin thresholds, and your cash needs at every stage. That is how businesses grow sustainably instead of growing themselves into trouble.
Tampa Bay's Small Business CPA Firm
First Step:
A Short Conversation
Tell us about your business and where you need support. We'll walk through your situation, answer your questions, and give you a clear quote.
