Fractional CFO

Your accountant says what happened. Your CFO decides what’s next.

A senior CFO at your management table. One day a week. No full-time hire.

Book a diagnostic call

Busy ≠ profitable.

You know how much you sold. Do you know how much you kept?

Where the revenue went

Illustration · typical 40-person company

Revenue100%
Cost of sales & payroll−52%
Discounts to close the monthHidden−9%
Cost of customer creditHidden−6%
Clients that don’t pay offHidden−11%
Costs nobody ownsHidden−14%
What’s actually left8%

40% of the gap hides in four lines nobody looks at. We find them.

Find yours

In our clients’ words

“We sell a lot, but I can’t tell you where the money goes.”“We grew to 60 people and finance is still a bookkeeper and me.”“There’s a big decision on the table and I want to see it in numbers.”“The bank asked for a plan. I don’t have one I’d sign.”“We raised money. Now investors want reporting we don’t have.”“We sell a lot, but I can’t tell you where the money goes.”“We grew to 60 people and finance is still a bookkeeper and me.”“There’s a big decision on the table and I want to see it in numbers.”“The bank asked for a plan. I don’t have one I’d sign.”“We raised money. Now investors want reporting we don’t have.”

“We raised money. Now investors want reporting we don’t have.”“The bank asked for a plan. I don’t have one I’d sign.”“There’s a big decision on the table and I want to see it in numbers.”“We grew to 60 people and finance is still a bookkeeper and me.”“We sell a lot, but I can’t tell you where the money goes.”“We raised money. Now investors want reporting we don’t have.”“The bank asked for a plan. I don’t have one I’d sign.”“There’s a big decision on the table and I want to see it in numbers.”“We grew to 60 people and finance is still a bookkeeper and me.”“We sell a lot, but I can’t tell you where the money goes.”

If one of these is yours, this is the moment.

What we do

One senior finance leader. The whole function.

The coreFractional CFO

Services

One day a week. Or two a month.

ClarityControlBetter decisionsGrowth

What is a fractional CFO?

A fractional CFO is a senior finance leader who joins a company part-time, typically one day a week or two days a month, to own cash flow, budget, profitability and financial decisions without the cost of a full-time hire.

18years in corporate finance

About

A CFO who sits next to the CEO, not above them.

Asaf Moalem is a CPA with 18 years in corporate finance and the acting CFO of several companies in parallel. Moalem Consulting was founded in 2025 in Haifa to give established businesses senior financial leadership without a full-time hire.

Business language
If a sentence needs a balance sheet to be understood, I rewrite it.
Recommend, don’t report
Every number comes with what I would do about it.
In the room
Management meeting, bank meeting, the hard supplier call. Present.
Honest about fit
If you don’t need a CFO yet, I say so.

About

What clients say

Asaf brings sharp financial insight and strong strategic thinking. His clarity, reliability, and execution play a key role in COYA’s growth and decision-making.
Dor KazavCo-Founder, COYA