Strategic financial leadership your business deserves, at a cost that makes sense.
Fractional CFO services give growing businesses access to senior financial leadership without the $150K to $300K+ price tag of a full-time hire. At Rock Solid Financials, we provide outsourced CFO services backed by an 23-person accounting team, so you get strategic guidance and hands-on execution in one engagement.
Fractional CFO Services
There’s a moment in every growing business when the financial decisions outpace the financial infrastructure. You’re managing cash flow in your head. Your board wants reporting you can’t produce. You’re planning a major move, an acquisition, an exit, a new market, but there’s no financial roadmap behind it. A fractional CFO for small business fills that gap: senior financial leadership scoped to what your business actually needs right now, without the commitment of a full-time executive hire.
When Your Business Outgrows Gut-Feel Finances
There comes a moment in every growing business when instinct is no longer enough. You’re making decisions that involve real money, real risk, and real consequences, but the financial data to support those decisions isn’t there.
You Don’t Know Your Cash Position
You can’t say with confidence how much cash you’ll have in 60 days. Payroll, vendor payments, and revenue timing are all in your head, not on a forecast.
Growth Isn’t Translating to Profit
Revenue is climbing, but you’re not sure the business is actually more profitable. Without margin analysis and clean reporting, growth can mask problems.
Your Board Wants More Than You Can Produce
Investors, board members, or lenders are asking for financial reporting your current setup can’t deliver. The ask is reasonable. The capability gap is the problem.
You’re Planning a Major Move with No Roadmap
You want to sell in three to five years, expand to a new market, or bring on investors, but you have no idea how to get financially ready for it.
These aren’t signs of failure. They’re signs of growth. Once your business crosses the $1M revenue mark, manages multiple entities, or begins planning for a major transaction, the complexity outpaces what a bookkeeper or controller can handle alone.
What Fractional CFO Services Include
Fractional CFO services give your business access to CFO-level strategic financial leadership on a part-time, outsourced basis, without the cost of a full-time executive hire. The scope varies based on your needs, but our engagements typically cover two areas: building financial visibility and providing strategic guidance.
Financial Visibility
Cash Flow Forecasting
We build forward-looking cash flow models so you always know where your money is going, when it’ll arrive, and how much runway you have. No more surprises. No more scrambling to cover payroll because a client paid late.
Budgeting and Financial Planning
We create annual budgets, rolling forecasts, and scenario plans that align with your business goals. Then we track actual performance against those targets every month and adjust as conditions change.
KPI Dashboards
Numbers mean nothing without context. We design dashboards that track the metrics that actually matter to your business: revenue per employee, gross margin by service line, customer acquisition cost, or whatever drives your decisions.
Financial Modeling
Need to evaluate a new location, a pricing change, or a major equipment purchase? We build the models that show you the financial impact before you commit.
Strategic Guidance
Advisory Calls
We meet with you on a regular cadence (monthly or quarterly, depending on your engagement) to review financial performance, discuss strategic priorities, and address whatever is on your mind. Think of it as a standing meeting with your CFO.
Strategic Planning
We help you build a financial roadmap for the next one to three years. That includes revenue targets, hiring plans, capital expenditure timing, and profitability milestones tied to your broader business strategy.
Exit and M&A Advisory
If you’re preparing to sell, merge, or bring on investors, we help you get your financial house in order well before the transaction begins. Clean books, clear reporting, and a compelling financial narrative make all the difference at the negotiating table.
Board Reporting and Presentation Support
If you report to a board, investors, or partners, we prepare the financial packages and presentations that communicate performance clearly. Board-ready reporting, delivered on time, every time.
The Value of a Fractional CFO
One of the most common questions we hear is about fractional CFO cost and whether the investment makes sense. The short answer: for most growing businesses, a fractional CFO delivers more value at a fraction of the cost.
|
Cost Factor |
Full-Time CFO |
Rock Solid Financials Fractional CFO |
|---|---|---|
|
CFO Salary |
$150,000 to $300,000+/year |
$3,000 to $10,000/month |
|
Benefits |
25% to 35% of salary |
Included |
|
Overhead (office, IT, tools) |
$10,000 to $30,000/year |
None |
|
Accounting Team |
Still needed (separate cost) |
Included (full 23-person team) |
|
Total Annual Cost |
$200,000 to $450,000+ |
A fraction of that |
The math speaks for itself. But the value goes beyond cost savings. Here are a few examples of what a fractional CFO engagement can look like in practice.
Want to see what CFO-level guidance looks like for your business? Start with a conversation.
Why Rock Solid Financials for Fractional CFO Services
Not all fractional CFO services are created equal. Here’s what makes our approach different.
Former CFO Leadership
Our fractional CFO practice is led by Co-Founder Pete Carlson, who brings the rigor of his CFO experience to every engagement. Pete knows what investor-grade financial infrastructure looks like because he built it. That perspective is rare in the fractional CFO world, and it shows in the quality of our advisory work. When we help you prepare for a transaction, build a forecast, or present to a board, you’re getting advice shaped by real CFO experience at the highest level.
Integrated Financial Team
Many fractional CFOs operate as solo consultants. They provide strategic advice, but you still need a separate bookkeeper, controller, and accountant to execute. At Rock Solid Financials, our outsourced CFO services come with an 23-person accounting team behind them. Your CFO advisory is fully integrated with your monthly close, your reconciliations, and your day-to-day accounting. Nothing falls through the cracks because everything runs through one team.
Your Outside Sounding Board
Running a business can be isolating, especially when it comes to financial decisions. We serve as your confidential sounding board. Want to talk through a big hire, a lease commitment, or a partnership opportunity? We’re here for those conversations. Our job is to give you honest, informed perspective so you can make decisions with confidence.
How It Works
Getting started with Rock Solid Financials is straightforward. We designed our onboarding process to be thorough without being painful.
STEP 1
Discovery Call
We start with a conversation, not a pitch. We listen to understand your business, your challenges, and your goals. This call typically runs 30 to 60 minutes, and there’s no obligation.
STEP 2
Financial Assessment
We evaluate the current state of your books, your financial processes, and any gaps that need attention. If there’s a mess, we’ve seen worse. If things are in decent shape, we identify where we can add the most value.
STEP 3
Custom Team Assignment
Based on your industry, complexity, and goals, we assemble a dedicated team. That might include a senior controller, a bookkeeper, and CFO oversight. You’ll know every person by name, and they’ll know your business.
STEP 4
Ongoing Partnership
Once onboarding is complete (typically two to four weeks), we deliver monthly financials, management reporting, and advisory calls on a consistent schedule. We don’t wait for you to ask questions. We bring insights to you.
Related Services
Our fractional CFO services integrate seamlessly with everything else we do. If you need more than advisory, we can build a complete financial team around your business.
Outsourced Accounting Services
Monthly close, reconciliations, and financial reporting handled by a dedicated team.
Bookkeeping Services
Clean, accurate transaction management on a daily and weekly basis.
Payroll Services
Reliable processing with built-in tax compliance, integrated with your accounting.
Tax Support Services
Year-round clean books make tax preparation smooth and stress-free.