Fractional CFO

A fractional CFO delivers senior-level financial leadership to small businesses without the expense of a full-time CFO, whose total compensation often exceeds $200,000 per year including salary, bonus, and benefits. As a company grows beyond $3–4 million in annual revenue, its cash cycle, margins, capital needs, and risk profile become increasingly complex while financial decisions start to carry more weight. At this stage, a fractional CFO helps the owner(s) navigate these complexities and create significant value for the business.

A fractional CFO can transform a small business from "getting by" to scalable and sellable at a premium.

More than a simple “numbers person,” a fractional CFO serves as a strategic financial partner, turning raw financial data into clear, actionable guidance across all major finance decisions. Specific fractional CFO services provided by Timberline Business Advisors include:

Cash Flow Management

Budgeting & Financial Forecasting

Profitability & Margin Improvement

Strategic Business Planning

Banking, Capital Structure, and Funding Support

Comprehensive Benchmarking vs Industry Peers

M&A Transaction Support

Exit Planning & Valuation Readiness

FAQs

What is a fractional CFO?

A fractional CFO offers senior financial leadership without full-time costs.

Who needs a fractional CFO?

Businesses growing beyond $3–4 million in revenue often benefit most.

How does a fractional CFO add value?

They help navigate complex cash cycles, margins, capital needs, and risks to create significant business value.

Is this cost-effective?

Yes, it avoids the expense of a full-time CFO’s high compensation.

How often do they work with us?

Engagements are flexible, tailored to your business needs and schedule.

What industries do you serve?

We work with a variety of small businesses experiencing growth and financial complexity.