Fractional CFO Services
Stop Guessing Where your Money Goes. See Your Cash 90 Days Out.
A fractional CFO team led by a former SBA Specialist. We build your cash forecast, show you where the margins leak, and meet every month to plan around what's coming. Monthly engagements, three-month minimum.
WHY THE CASH NEVER MATCHES THE PROFIT
The business is doing fine on paper. The bank account says otherwise.
Profit is what you earned. Cash is what actually landed. When nobody is tracking the gap between them, the pressure shows up in the same four places.
✕You find out too late
The shortfall becomes obvious the week payroll is due, when the only options left are expensive ones. With a forecast, that same week is visible a month out, while you still have choices.
✕Profit that never reaches the account
Invoices nobody has paid, inventory sitting in the back, and loan principal that never touches the P&L. A profitable month and a tight month are the same month more often than owners expect.
✕Margins leaking quietly
Prices set two years ago, costs that crept up since, and jobs that lose money without anyone noticing. Nothing breaks all at once, which is why it goes unseen for so long.
✕Debt payments the cash can't carry
A loan sized around what the business wanted instead of what it can support. The payment starts, and every month after that is tighter than the one before.
Every one of these is visible months ahead when someone is watching the cash with you.
WHO WE WORK WITH
Owners who are done guessing at the numbers.
You don't need a full-time CFO. You need someone watching the cash with you every month. These are the situations we see most.
PROFITABLE ON PAPER
The P&L shows a profit and the account is still tight
Slow-paying customers, excess inventory and badly timed spending drain cash from a profitable business. We map where it's tied up and build a forecast, so you see a shortfall weeks before it lands.
DEBT PRESSURE
Loan payments eating what you need to operate
When debt crowds out payroll and suppliers, it usually gets worse before it gets better. We lay out every payment against a real forecast, run the numbers on refinancing and help you approach your lender with a plan.
GROWING TOO FAST
Sales growing faster than the cash to support them
New hires, a bigger contract or a second location all need cash before they bring any in. We time the spending against your forecast and line up financing early, so growth doesn't leave you short.
MARGIN LEAKS
Prices set years ago and costs that crept up since
Jobs that lose money without anyone noticing, and pricing nobody has revisited. We break down where the margin actually goes and what to change first.
PLANNING TO BORROW
A loan this year, and no idea what the business can carry
Led by a former SBA Specialist, we build your cash flow the way a lender reads it and size the loan around what the business supports. Start before you apply and your business plan is included.
RECENTLY FUNDED
The capital is in and the payments have started
Every decision about that money counts now. We plan how it gets put to work, then track the business against the plan each month so problems show up in week two instead of month six.
Led by a former SBA Specialist
A finance team on your business without the full-time hire
Why I Built the Fractional CFO Service
I spent years inside the SBA department of one of Florida's top lenders, reading loan files from the side of the desk that decides. The declines came down to the same thing more often than anything else. The business made money. The cash didn't line up with the payments. And nobody had planned for it.
What struck me was that the problem started long before the application. By the time a file reached me, the pattern was already set, and the owner usually had no idea it was there.
So I built a service around the part nobody was handling. Every month we map where the cash goes, forecast what's coming, and sit down with you to plan around it. Our team of ex-Big 4 analysts and CPAs has written the financial models behind more than $2 billion in funding, and that same team now works on your numbers month to month, whether a loan is part of the plan or not.
You run the business. I make sure the numbers hold up.
WHAT YOU GET EVERY MONTH
Not a report you file away. A plan you act on.
Every engagement runs monthly, with a three-month minimum, because cash flow problems don't resolve in one conversation.
A rolling cash forecast
Thirteen weeks out, updated every month. You see a tight week while there's still time to do something about it.
Where the money actually goes
Every dollar mapped against what it brings back, so the leaks stop being invisible.
Margin and pricing review
Which jobs, products or customers make money and which quietly don't. Then what to change first.
Debt laid out against the cash
Every payment and due date next to the forecast, with a view on what to pay down first and whether refinancing helps.
Loan planning when you need it
Loan timing and amount sized to what the business supports, built the way a lender reads it. Start before you apply and the business plan is included.
A monthly working session
We meet, go through what changed, and decide what happens next. Not a document sent over email.
Built by ex-Big 4 analysts and CPAs, led by a former SBA Specialist.
THE TRACK RECORD
Numbers built by the same team that will be working on yours.
300+
Businesses served
$2B
Raised by our clients from SBA lenders and investors
$5B
In client revenue managed
QUESTIONS
What owners ask before they start.
What does it cost?
Engagements start at $1,500 a month and scale with the size and complexity of the business. We quote it on the call once we understand what you're working with.
Why a three-month minimum?
The first month goes into building the baseline. Month two is where the changes start, and month three is where they show up in the account. One month tells you what's wrong without giving you time to fix it.
What if my books are a mess?
Most are, and it isn't a reason to wait. We have a bookkeeper who can clean them up first, so the forecast gets built on numbers you can trust.
Do I need to switch accountants or bookkeepers?
No. We work alongside whoever handles your books and taxes. A CFO does the forward-looking work, which is a different job from recording what already happened.
What do you need from me to start?
Your last two years of returns, recent P&L and balance sheet, and access to your bank activity. If some of that is missing, say so on the call and we'll work with what exists.
What if I'm planning to apply for a loan?
Then start before you apply. We size the loan around what the business supports and build the file the way a lender reads it, and your business plan is included in the engagement.
Who actually does the work?
Our team of ex-Big 4 analysts and CPAs, led by a former SBA Specialist. You meet with me every month.
What happens after three months?
It continues month to month for as long as it's useful. Most owners stay because the forecast becomes how they make decisions.
HOW IT WORKS
Four weeks in, you stop guessing at the cash.
No long onboarding and no document request list that takes a month to fill. We start with what you already have.
1
Free cash flow review
Thirty minutes. You tell us where the pressure is, we tell you what we'd look at first and whether this is worth doing at all.
2
We build the baseline
We take your statements and bank activity and build the first forecast. You see where the cash sits and what's coming, usually within the first two weeks.
3
We agree on the moves
Which margins to fix, which debt to tackle, what to time differently. A short list you can act on, not a report.
4
Monthly from there
We update the forecast, compare it to the plan, and meet to decide what's next. If something is off, we catch it in week two instead of month six.
Three-month minimum, then month to month. Long enough for the changes to show up in the account.
WHAT CLIENTS SAY
Owners who trust us with their numbers.
Real reviews from owners we worked with on their financials, their business plans and their funding.
Christopher R.
We can't thank Jenny enough for everything she did to help us secure our SBA loan for our business! From the beginning, she was knowledgeable, dedicated, & incredibly supportive. If you're trying to get funding, look no further. Jenny is the real deal.
Clifford M.
Over the last few decades I have had many occasions to make use of a Business Plan writer and, someone to package my SBA loan. I consider Jenny to be one of the top consultants in this field, and zero hesitation in recommending her to anyone.
Stephen L.
Jenny was recommended by a colleague on a similar pickleball journey & SBA application. Communication was smooth and everything on time with great content. I plan to continue to use Jenny's services as the business span grows.
Ismael H.
Jenny over-delivered on the business plan I requested. She provided me with a high quality business plan within a shorter time frame than we had agreed. Jenny for her top-notch business plans, timeliness and excellent customer service from the beginning to the end!
Jesse P.
Unbelievable service and exceptional quality. I approached Jenny with a last-minute request for a business plan, and she immediately understood the scope and delivered a well-thought-out, high-quality product. Truly impressive work.
Ben F.
Jenny created an absolutely beautiful business plan for our new deli. She was a pleasure to work with. Extremely professional, creative and responsive. We already referred her to friends of ours!
BOOK YOUR FREE CASH FLOW REVIEW
Thirty minutes to find out where your cash actually sits.
Bring whatever numbers you have. You'll leave knowing where the pressure is and what we'd work on first, whether or not we end up working together.
Engagements run monthly with a three-month minimum. Built by ex-Big 4 analysts and CPAs.
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