Part-Time CFO
Financial strategy and planning support for business owners who need more than bookkeeping. Budgeting, forecasting, cash flow analysis, and periodic reviews to help you make better decisions.
What This Is
Bookkeeping tells you what happened. A CFO helps you figure out what should happen next. This service provides strategic financial guidance on a part-time basis. You get budgeting, forecasting, cash flow analysis, and regular business reviews without hiring a full-time executive.
Most small business owners end up doing CFO work themselves whether they realize it or not. Every time you decide to hire someone, buy equipment, take on a new lease, or expand into a new service area, you’re making a financial decision that deserves proper analysis. This service gives you a partner for those decisions.
The Work
The Work
Build and maintain budgets and forecasts. Analyze cash flow patterns and project future positions. Review financial statements with you periodically to identify trends and issues. Model out scenarios for major decisions like hiring, expansion, or capital purchases so you can see the numbers before committing.
The Cadence
The Cadence
Regular scheduled reviews, typically monthly or quarterly depending on your business. Between sessions, you have someone to call when a financial question comes up. Thinking about a new location? Wondering if you can afford another hire? Evaluating a big equipment purchase? You don’t have to figure it out alone.
Why This Matters
Running a business means making financial decisions constantly. Some are small and reversible. Others commit you to years of lease payments or payroll obligations. Most owners make these decisions based on gut feeling and bank balance. Sometimes it works out. Sometimes it creates problems that take years to fix.
The challenge is that you can’t see what you can’t see. A contractor lands a big project and hires aggressively to staff it. Six months later the project ends and payroll is eating the business alive. A restaurant owner signs a lease in a growing neighborhood without modeling out the break-even timeline. These aren’t bad decisions by careless people. They’re decisions made without the analysis that would reveal the risks.
The Cash Flow Problem
The Cash Flow Problem
Profitable businesses fail all the time due to cash flow problems. Revenue is lumpy. Expenses are steady. A slow month or two can create a crisis even when the annual numbers look good. Without cash flow forecasting, you’re always reacting instead of preparing.
The Blind Spots
The Blind Spots
You know your operations. You know your customers. But financial trends often develop quietly in the background. Margins eroding slowly. Overhead creeping up. One client becoming too large a percentage of revenue. By the time it’s obvious, you’re already dealing with the consequences.
What Changes
You stop flying blind on financial decisions. Before you hire, you know what revenue level you need to support the new salary. Before you sign a lease, you’ve modeled out the cash flow impact. Before you take on debt, you understand the monthly obligation and how it fits with your projections. The guessing goes away.
You also gain a thinking partner. Someone who knows your numbers well enough to have useful opinions. When you’re weighing options or sensing that something is off, you have someone to talk it through with who understands the financial side of your business.
Better Decisions
Better Decisions
Decisions backed by actual analysis instead of intuition. Not every decision needs a spreadsheet, but the big ones deserve real scrutiny. When you can see what the numbers say, you can act with confidence instead of hoping it works out.
Early Warning
Early Warning
Cash flow problems rarely surprise people who are watching the projections. Same with margin erosion or customer concentration risk. Regular financial reviews surface these issues early, when you still have time and options to address them.
San Diego's Small Business Bookkeeper
The Next Step:
A Short Conversation
A quick call to tell us about your business. We'll listen, answer your questions, and give you a clear price quote.
