Fractional CFO, productized
You've outgrown your bookkeeper. You don't need a $200K CFO.
SmallBizCFO gives owners of $1M–$5M businesses the financial oversight the big companies get — monthly forecasting, KPI dashboards, and strategic guidance — at a flat monthly fee, without the salary line.
The deliberate middle
Too big to guess. Too small for a CFO salary.
Somewhere past the first million, the questions change. It stops being “did we make money last month” and starts being “can we afford this hire,” “why is cash tight when the P&L looks fine,” and “what happens if we take that contract.” A bookkeeper can't answer those. A full-time CFO can — for around $200,000 a year plus benefits.
We built SmallBizCFO for the businesses in between: owner-operators past the survival stage, making real decisions on real numbers, who need grown-up financial oversight at a price that makes sense at their size.
What you get
A CFO function, not a consultant's slide deck
A forecast you can steer with
A rolling cash flow forecast, kept current, so “can we afford this” has an answer in minutes instead of two weeks. Forward-looking numbers are labelled as the estimates they are, with the assumptions stated alongside them.
KPI dashboards you'll actually read
A short set of numbers matched to how your business actually earns — runway in weeks, AR that's aging, margin on last week's work — delivered on a schedule you can rely on.
Strategy with a CPA in the room
Regular working sessions on pricing, hiring, debt, and the decisions coming in the next twelve months — with CPA oversight from our affiliate, PizzelloCPA, PLLC. Straight answers; if we don't know, we say so.
Pricing
One flat fee. Three ways to size it.
Every plan is a monthly flat fee — no hourly meters, no surprise invoices.
Foundation
$2,495/mo
Monthly KPI dashboard, quarterly strategy review, 12-month cash flow forecast, banker liaison, CPA oversight.
Growth
$3,995/mo
Monthly 1:1 strategy, rolling forecast refreshed monthly, custom KPI scorecards, quarterly margin deep-dive.
Scale
$6,495/mo
Weekly check-ins, board/investor prep, multi-entity consolidation, capital strategy, annual budget workshop.
Start with a conversation, not a contract.
A call costs nothing and we'll tell you plainly if you're not ready for this yet — including what to fix first.
Book a call