Every Business Decision Should Start With the Numbers
Fractional CFO Services
Fortune 100 financial strategy.
Built for your business.
You should not have to choose between running your business and understanding your numbers. Our fractional CFO services give you a true financial partner, without the cost of a full time hire.
Financial Planning and Strategy
- Annual budget development
- Revenue forecasting
- Profit planning
- Strategic growth planning
- Business performance reviews
Capital and Funding Readiness
- Capital sources and uses analysis
- Funding strategy development
- Capital readiness assessment
- Financial package preparation
- Lender and investor readiness
Profitability and Performance
- ROI analysis
- Pricing strategy analysis
- Margin optimization
- Cash flow planning
- KPI tracking
Executive Financial Leadership
- Quarterly strategic reviews
- Financial decision support
- Growth opportunity analysis
- Expansion planning
- Risk assessment and mitigation
One thing to note. We work closely with your bookkeeper, not instead of them. All clients must have an active bookkeeping function in place before we engage. If you do not have one yet, we can help you find the right fit.
How Engagement Works
Your 18 Month CFO Engagement,
Month by Month.
18 months gives us the time to build your financial foundation, manage a full year of your business, and read and react to the trends that matter. Here is how the journey unfolds.
Mo 1
Getting Started
We learn your financial story before we start writing the next chapter.
Financial assessment, chart of accounts review, baseline reporting setup, and a goal alignment session. We get clear on where you are before we start talking about where you are going.
Mo 2-3
Building the Foundation
Your budget is built and your reporting is live.
Annual budget complete, reporting cadence set, and your first full reporting cycle delivered. For a lot of clients, this is the first time they have ever seen their business finances laid out this clearly.
Mo 4-9
Active Partnership
The work that moves the needle.
Regular reporting, forecasting updates, strategic planning sessions, and capital guidance as your business needs it. This is the heart of the CFO engagement, where patterns get identified and real financial decisions get made.
Mo 10-11
Year End Review
Looking back so you can move forward smarter.
Annual performance review, updated forecast, and next year budget development. You enter the new year knowing exactly where you stand and what the plan is, not just hoping for the best.
Mo 12-15
Read and React
Now we see what the trends are telling us.
With a full year of financial data behind us, this is where the real value kicks in. We analyze the trends, identify what is working, spot what is not, and adjust the strategy in real time. This is why 18 months matters. Twelve months builds the picture. The next six months let us act on it.
Mo 16-18
What Comes Next
Renewal, growth, or a new chapter.
Renewal conversation, continued retainer, or a transition plan based on where your business is headed. Some clients stay for years. Some step into a higher tier. Either way, you leave the engagement with a financial foundation that belongs to you.
Why 18 Months
Trends do not show up in a quarter. They show up over time.
Most fractional CFO engagements are 12 months. We go 18 because the first year is about building and managing. The last six months are about seeing what the data reveals when you have a full cycle to compare against. That is where the decisions get sharper, the forecasts get tighter, and your numbers stop being a report and start being a tool.
Built Into Every Phase
We do not just manage your financials. We teach you how to use them.
Every review, every report, every planning session is an opportunity for you to understand your numbers better. Our goal is not to create dependency. It is to build your financial fluency so that every business decision you make is backed by data you understand and trust.
Outside of monthly reviews, we stay connected. Clients keep EDCAC informed of key business operations and initiatives as they arise. This is a partnership, not a once a month check in.
Is It Time?
Signs your business is ready
for a fractional CFO.
You do not need to be in crisis to benefit from financial leadership. In fact, the best time to bring in a CFO is before you need one urgently. Here are some of the signals.
Revenue is growing but clarity is not
Money is coming in, but you are not always sure where it is going or how much of it you are keeping.
You want to make decisions based on data
Gut instinct got you here, but you are ready to make financial decisions backed by real numbers and a real strategy.
Cash flow feels unpredictable
Deposits come in waves, expenses do not wait, and you are tired of guessing whether you can cover next month.
You are growing your team
Hiring changes everything financially. You need to know what you can afford, when, and where the revenue comes from to fund it.
You are preparing for something bigger
A loan, a new location, a partnership, an acquisition. Big moves need financial readiness and a clear picture of where you stand.
Know the Difference
Your bookkeeper, your accountant, and your CFO are not the same role.
Each one plays a critical part. But they do very different work. Here is how they compare.
| Bookkeeper / Accountant | Fractional CFO | |
|---|---|---|
| Focus | Recording and organizing what already happened | Predicting what is coming and defining the strategy to get there |
| Time Orientation | Backward looking. Tracks transactions, reconciles accounts, closes the books | Forward looking. Forecasts revenue, models scenarios, plans for what is next |
| Decision Support | Tells you what happened last month or last quarter | Tells you what to do about it, when to pivot, and how to position for growth |
| Reporting | Financial statements, tax filings, compliance | Strategic reports, cash flow forecasts, performance dashboards, KPI tracking |
| Role in Your Business | Keeps the financial records clean and accurate | Turns those records into a strategy and helps you make business decisions based on them |
| Analogy | The rearview mirror. You need it to see where you have been | The GPS. It shows where you are, where you are headed, and the best route to get there |
You need both. A bookkeeper keeps your financial records accurate. A CFO turns those records into a growth strategy. EDCAC works alongside your bookkeeper, never instead of them, to make sure your numbers tell the full story.