Fractional CFO Services for US Small Businesses
AccoTiva provides fractional CFO support for growing US small businesses that need better forecasting, reporting, and financial decision support without hiring a full-time finance executive. We combine reliable accounting data with practical analysis so owners can plan cash, protect margin and make growth decisions with greater confidence.
What a fractional CFO adds beyond bookkeeping
Bookkeeping records what has happened. Fractional CFO support uses those records to understand why performance changed and what may happen next. The service sits above the monthly close: turning the profit and loss, balance sheet and cash data into forecasts, key performance indicators and specific management actions.
Fractional CFO services can include
- 13-week cash-flow forecasting and short-term liquidity planning
- Annual budgets and rolling forecasts
- Budget-versus-actual and trend analysis
- Revenue, gross margin, operating cost and cash KPIs
- Scenario planning for hiring, pricing, expansion or investment
- Management reporting packs and board-ready commentary
- Accounts receivable, payable and working-capital review
- Unit economics, customer or product profitability analysis
- Financial process and month-end close improvement
- Regular strategy calls with owners and leadership teams
13-week cash-flow forecasting
A short-term cash forecast shows expected receipts, payroll, tax, supplier payments, debt service and other major outflows by week. It helps identify pressure before a payment is missed and gives management time to adjust collections, spending or timing. We update the forecast using actual results and clearly separate confirmed amounts from assumptions.
KPI and management reporting
The right KPI set depends on the business model. An e-commerce company may focus on gross margin, processor fees, inventory and contribution margin. A restaurant may track prime cost, labor percentage and weekly cash. A service firm may need project profitability, utilization and accounts-receivable days. We build a concise reporting pack around the decisions you make, not a dashboard full of vanity metrics.
Planning growth and protecting margin
Growth creates cash demands before it creates profit. New staff, inventory, locations, marketing or software contracts can increase risk if timing and break-even points are unclear. We model realistic scenarios, show the assumptions and compare actual performance with the plan. The purpose is not to predict the future perfectly; it is to make the trade-offs visible before committing cash.
A reliable finance foundation comes first
Advisory work is useful only when the underlying books are accurate. If reconciliations or historical balances are incomplete, we first scope monthly bookkeeping or a catch-up project. Once the numbers are dependable, recurring CFO support can focus on decisions instead of repairing data.
Who benefits from a fractional CFO?
This service is suited to founder-led businesses with growing revenue, increasing complexity or upcoming decisions that require more than standard financial statements. Typical triggers include cash-flow uncertainty, inconsistent margins, expansion plans, lender or investor reporting, multi-location operations, or a leadership team that needs a regular financial review.
How the engagement works
- Financial diagnostic. We review the books, reporting, cash cycle and immediate priorities.
- Reporting design. We agree the forecast, KPIs, responsibilities and meeting rhythm.
- Monthly analysis. Actual results are compared with budget, forecast and prior periods.
- Decision support. We discuss risks, opportunities and the actions management owns.
- Ongoing refinement. Models and KPIs change as the business changes.
Frequently asked questions
Do you replace my CPA or tax accountant?
No. We work alongside them. AccoTiva supports bookkeeping, reporting, forecasting and management decisions; your tax adviser remains responsible for specialist tax advice and filings unless separately agreed.
How often do fractional CFO meetings happen?
Most engagements use a monthly rhythm, with more frequent meetings during a cash-flow project, funding process or major operational change.
Can you help prepare information for a lender or investor?
We can organize management accounts, forecasts, assumptions and supporting schedules. Formal assurance, valuation, legal advice and investment promotion are outside the service unless provided by an appropriately qualified third party.
Turn financial reports into better decisions
Book a free consultation to discuss your reporting gaps, current priorities and whether fractional CFO support is the right fit.