01 / 08 · The core
Fractional CFO
A senior CFO at your management table, one day a week or two days a month.
The problem“I need someone who owns the numbers and tells me what to do with them. I can’t justify a 600k salary for that.”
A senior CFO at the table, one day a week. Full ownership of the numbers, no full-time seat.
What a week with a CFO looks like
- Own budget, forecast and cash flow as your finance lead
- Sit in the management meeting; prepare and present the monthly pack
- Lead the bookkeeper, the accountant, the bank and the payroll provider
- Model every material decision before it is made
Monthly report · 2 pages
- days to close the month
- 10
- weeks of cash ahead
- 13
- owner of the numbers
- 1
What you get
Not a feature list. What changes next Tuesday.
- Before40 pages from the accountant, once a quarterAfterA monthly management report you actually read
- BeforeFinding out on the 25th if payroll clearsAfterA 13-week cash forecast, updated
- BeforeThe CEO is the CFO, at midnight, in ExcelAfterOne person accountable for the finance function
- BeforeDecisions made on gut feelAfterDecisions with numbers behind them
- 20–200employees in the companies we serve
- 1day a week, typically
- 10days to close the month
- 0cash surprises
Why it matters
A senior CFO at your management table, one day a week or two days a month.
Decisions with numbers
Every material decision (a hire, a price, an investment) goes through a model before it is made. Not to slow it down, but so you know what it costs if it fails.
Quiet cash
A 13-week forecast updated every week. You see week nine today, not on the 25th.
A function, not a person
The CFO leads the bookkeeper, the accountant, the bank and payroll. You get a managed finance department, not another vendor.
How it unfolds
- First two weeks
Discovery
Meet every role, read three years of statements, map every place money enters and leaves. Output: a one-page picture.
- Month 1–2
Order
First cash forecast, annual budget vs actuals, first monthly management pack. Management gets numbers on the 10th.
- Month 3–6
Leadership
The CFO in the management meeting, the bank meeting, the call with the big supplier. Decisions start going through a model.
- Ongoing
Growth
Annual planning, scenarios, raises, new sites, M&A. The CFO becomes a thinking partner, not just a reporter.
What it looks like in practice
A senior CFO at the table, one day a week. Full ownership of the numbers, no full-time seat.
- Monday
- Cash forecast update, 20 minutes. Short email to the CEO: what changed.
- Wednesday
- On-site day: management meeting, bookkeeper, two open topics.
- Friday
- Bank / supplier / investor call as needed. Close the week.
- The 10th
- Management pack: 8 numbers, 2 pages, 3 recommended decisions.
What people say, and what’s true
- They say
They say: “A CFO is for big companies.”
In practiceA 25-person company makes million-dollar decisions. It needs the judgement, not the overhead.
- They say
They say: “We have a great accountant.”
In practiceYou do, keep them. They close the past. The CFO plans the future. Two different jobs.
- They say
They say: “It’s expensive.”
In practiceOne day a week of a senior CFO costs 20–30% of a full-time seat, and usually pays for itself with one avoided mistake.
“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.”
Who it’s for
Companies of roughly 20 to 200 people with revenue in the millions, an accountant and a bookkeeper, and no CFO.
Who it’s for →Frequently asked
- How many days do we get?
- Most engagements run one day a week or two days a month. We size it in the diagnostic call and revisit it quarterly.
- Do we still need our accountant?
- Yes. The accountant closes the books and files; the CFO leads. They work together, and we make sure they do.
- How is a fractional CFO different from a full-time CFO?
- A fractional CFO does the same job (budget, cash, reporting, the bank, decisions) one day a week or two days a month. It typically costs 20–30% of a full-time seat, with no hiring period.
Not sure you need a CFO yet?
30 minutes. You tell us what’s happening; we tell you honestly whether a CFO is what you need.
Book a diagnostic call