Financial Strategy & Advisory
Part-time CFO expertise for growing businesses. We provide the financial planning, cash flow forecasting, and strategic analysis that helps you make better decisions with confidence.
What This Is
A fractional CFO provides the strategic financial guidance that growing businesses need without the cost of a full-time executive. This is not bookkeeping. It is the layer above the books where financial data gets translated into planning, forecasting, and business decisions.
This service fits businesses that have outgrown the stage where the owner can manage finances alone but are not yet ready to hire a six-figure executive. You need someone who understands financial strategy and can apply it to your specific situation on a part-time basis.
The Work
The Work
Cash flow forecasting so you know what’s coming before it arrives. Budget development that ties spending to goals. KPI tracking that measures what actually matters. Financial modeling for major decisions like hiring, expansion, or equipment purchases. The analysis that turns numbers into direction.
The Relationship
The Relationship
This is not a one-time report that sits on a shelf. We meet regularly, typically monthly, and remain available as questions come up between sessions. As your business evolves, the advice evolves with it. You have a financial partner who knows your numbers and your goals.
Why This Matters
Most business owners make financial decisions based on their bank balance and gut instinct. They check the account, see a number that feels okay or not okay, and act accordingly. This works until it doesn’t. The bank balance tells you what you have today. It says nothing about where you’ll be in three months.
Without forward-looking financial analysis, you’re flying blind on the decisions that matter most. Should you hire that new employee? Can you afford to take on that bigger project? Is this the right time to expand? These questions require more than a glance at available cash.
Decisions Without Data
Decisions Without Data
You’re considering a major move. Maybe it’s a new location, a significant hire, or a large equipment purchase. Without financial modeling, you’re guessing whether you can afford it and when. Best case, you’re overly cautious and miss opportunities. Worst case, you commit to something the business can’t support.
Cash Flow Blindness
Cash Flow Blindness
Profitable on paper does not mean cash in the bank. Businesses fail not because they lack revenue but because they run out of cash at the wrong moment. A receivable sitting at 60 days doesn’t pay payroll. Forecasting shows where the gaps will be before they become emergencies.
What Changes
You move from reacting to anticipating. Instead of scrambling when cash gets tight, you see it coming weeks ahead and adjust. Instead of wondering whether you can afford to grow, you have projections that show you exactly what growth requires and when it becomes feasible.
Your decision-making becomes grounded in analysis rather than hope. When you negotiate a lease, you know your numbers. When you consider a new hire, you understand the timeline to profitability. When you set prices, you’re working from margin analysis instead of competitor guessing.
Confidence in Planning
Confidence in Planning
Expansion plans built on projections rather than optimism. Hiring decisions timed to cash flow reality. Pricing backed by actual cost data and target margins. You stop second-guessing major decisions because you’ve already run the numbers and understand the implications.
Capital Readiness
Capital Readiness
When you need funding, whether from a bank or an investor, you walk in prepared. Financial projections, historical performance, and clear documentation of how the money will be used and repaid. Lenders and investors see a business owner who knows their numbers, not someone hoping to figure it out later.
The Merrimack Valley's Trusted Accounting Partner
The Next Step:
A 15-Minute Call
Tell us about your business and what you're dealing with. We'll listen, ask a few questions, and give you a straightforward quote.