CPA-led fractional CFO

CFO-level guidance without a full-time CFO

Cash-flow forecasts, budget-versus-actual reviews, margin analysis and lender- and investor-ready reporting, built on the same books your bookkeeper and CPA already maintain.

Book a 15-min call Call +1 310-810-1790

Monthly or quarterly reviews
Tax-aware advice
No long-term contracts

Monthly CFO reviewExample agenda

01Cash position & runway
02Budget vs. actual
03Margin by service or product
04Decisions on the table, with tax impact
0530-day execution plan

In short

What is a fractional CFO?

A fractional CFO is an experienced finance leader who works with your business part-time, forecasting cash, setting budgets, analyzing margins and preparing reporting for lenders and investors, at a fraction of the cost of a full-time hire. At CPA Torrance, CFO advisory runs in the same review as your bookkeeping and tax strategy, so the advice reflects your real numbers and their tax impact.

Delivered by: CPA-led team, Torrance, CA
Cadence: Monthly or quarterly review
Coverage: All 50 states
Contracts: No long-term lock-in

The real problem

Your bookkeeper reports the past. Nobody is planning the next eleven months.

Growing businesses hit a point where accurate books aren’t enough. Hiring, pricing, inventory, financing and expansion decisions need a forward view of cash and profit, and someone accountable for it.

Signs you need CFO-level support:

Revenue is growing but cash always feels tight.
You don’t know which services, products or clients are most profitable.
There’s no budget, or it’s never compared with actual results.
A lender or investor is asking for reports you can’t produce.
Big decisions are made on instinct because the numbers arrive too late.

What’s included

Fractional CFO services

Forward-looking financial leadership, scoped to the stage your business is at and delivered through a regular review rhythm.

Cash-Flow Forecasting

Rolling cash-flow forecasts built from your reconciled books.
Early warning on shortfalls, so financing or timing changes happen before they’re urgent.
Scenario models for hiring, large purchases and seasonal swings.

OutcomeYou see cash problems months ahead, not days.

Budgets & Budget-vs-Actual Reviews

An annual budget tied to your goals and real cost structure.
Regular variance reviews that explain what moved and why.
KPIs chosen for your business model, tracked in plain language.

OutcomeA plan you measure against, not one that sits in a drawer.

Margin & Profitability Analysis

Profitability by service line, product, channel or client.
Pricing and cost reviews that show where margin is leaking.
Clear recommendations on what to grow, reprice or stop.

OutcomeGrowth focused on the work that actually makes money.

Lender & Investor-Ready Reporting

Financial packages prepared for banks, SBA lenders and investors.
Projections and supporting schedules that hold up to questions.
Board- and partner-level reporting on a regular cadence.

OutcomeFinancing conversations backed by credible numbers.

The Financial Triangle

One review. Three disciplines. One plan.

Every month or quarter, your bookkeeper, CPA and CFO advisor meet in a single financial review. It produces three things:

01
One interpretation of your numbers
What happened, why it happened and what it means, agreed by everyone who touches your finances.
02
One tax-aware strategy
Growth and cash decisions weighed with their tax impact before you commit, not after.
03
One 30-day execution plan
Specific actions, owners and dates, so the review turns into results before the next one.

Who it’s for

Built for businesses that have outgrown basic reporting

E-commerce brandsInventory purchasing forecasts and margin by SKU and channel.E-commerce page →Healthcare practicesPayer mix, collections and provider-level profitability.Learn more →Real estateProperty-level cash flow, financing and portfolio decisions.Learn more →Professional servicesUtilization, pricing and partner-level reporting.Learn more →

Pricing

Fractional CFO plans

Plans are based on the CFO hours your business needs each month, with a regular review meeting included.

Get a custom quote

8 hours a month $1,400 / month Monthly review, cash-flow forecast and KPI reporting
15 hours a month $3,000 / month For businesses planning hiring, financing or expansion

Need a different scope? Book a 15-min call and we’ll recommend the right level.

FAQ

Fractional CFO questions, answered

If your question isn’t here, a 15-minute call will get you a straight answer.

When does a business need a fractional CFO?

Usually when the books are accurate but decisions still feel like guesswork: cash is tight despite growth, you’re planning to hire or raise capital, or a lender wants forecasts you can’t produce. A fractional CFO gives you that forward view without the cost of a full-time executive.

How is a fractional CFO different from a bookkeeper or CPA?

Your bookkeeper records and reconciles what happened. Your CPA handles tax planning and compliance. A fractional CFO uses those numbers to plan what happens next, cash, budgets, pricing and financing. At CPA Torrance all three work from the same books in one review.

What does a typical engagement include?

A regular monthly or quarterly financial review, cash-flow forecasting, budget-versus-actual analysis, margin reporting and an agreed 30-day execution plan. Plans are based on monthly CFO hours: 8 hours a month from $1,400, or 15 hours a month from $3,000.

Can a CFO help if my cash flow is unstable?

Yes. That is often where we start. We organize and normalize your existing financial data, fix inconsistencies and build a forecasting-ready structure, then use it to show where cash is going and what to change first.

Do you work with businesses outside California?

Yes. We’re based in Torrance, CA and work with businesses in all 50 states, in person or remotely.

Related services

Bookkeeping Services Tax Planning & Strategy How the Financial Triangle works Financial Systems & Advisory

Make your next big decision with the numbers in front of you.

Book a 15-minute call. We’ll talk through where the business is heading and what CFO support would change.

Book a 15-min call or call +1 310-810-1790 No obligation · No long-term contracts