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SmallBizCFO

How it works

From first call to a running CFO function

The whole point of a productized service is that you know what happens next. Here is the sequence, in order.

  1. 01

    A call, and an honest fit check

    Thirty minutes. You describe the business and what you’re trying to decide; we tell you which plan fits — or that you’re not ready yet, and what to fix first. No deck, no pressure.

  2. 02

    Engagement letter, in writing

    Scope and fee written down and signed electronically before anything starts. The letter says plainly what the work is and what it is not — no tax preparation, no audit or assurance.

  3. 03

    Your portal, and the CFO organizer

    You get a private client portal. The first thing in it is the Fractional CFO Organizer — about fifteen minutes on how the business earns, where the cash goes, what’s owed, and what you’re steering toward. It saves as you go.

  4. 04

    We read the business

    We work from your actual records — financial statements, bank activity, debt schedule, commitments. If the books need work before the numbers can carry weight, we say so before building anything on top of them.

  5. 05

    The working session

    Usually ninety minutes. You walk us through the business; we ask the awkward questions. This is where the first forecast’s assumptions come from — yours, not ours.

  6. 06

    The rhythm starts

    The forecast and KPI dashboard arrive on schedule, with a short written view each month: what changed, what it means, and what we would do. Strategy sessions run at your plan’s cadence — quarterly, monthly, or weekly.

What we'll ask you for

Financial statements for the last two years and the current year, bank and card statements, a debt schedule, your fixed commitments, and read-only access to your accounting file. Send what you have — we'd rather start with an incomplete picture than wait for a perfect one. We work from financial totals only: never send customer lists with personal details or any clinical, legal, or otherwise confidential records about the people you serve.