CFO Services for Small Business — Strategic Financial Leadership Without the Full-Time Cost

• Fractional financial leadership. A part-time seat at your management table, two to six days a month: forecasting, strategic planning, the monthly numbers review, bank and investor contact.
• Interim cover. Your finance director resigns and the close is due in ten days: we step in quickly, keep reporting on schedule, give your team daily support and hand back a documented function.
• Project-based mandates. Fundraising, M&A due diligence, ERP migration, a turnaround plan or an exit readiness review, scoped against a fixed deliverable and an end date.
• Outsourced and virtual finance function. Bookkeeping oversight, month-end close, management accounts and payroll coordination, delivered remotely under a senior professional.
• Cross-border advisory. Entity structuring, multi-currency consolidation, VAT and withholding questions, transfer pricing, market-entry planning.

Every engagement produces artefacts you can act on, not a slide deck:

• A 13-week rolling cash flow forecast, refreshed weekly, showing the date your balance dips lowest.
• Gross margin split by product, channel and customer, so you see which revenue is worth chasing.
• A budget-versus-actual pack within ten working days of month end, with variance commentary in plain English.
• A one-page KPI dashboard — runway, DSO, contribution margin, CAC payback — kept online and current.
• Lender- and investor-ready packages: three-statement model, sensitivity cases, prepared answers.
• A pricing, supplier and tax review — the biggest single source of that $43,000 average saving and of measurably improved performance.

You are profitable on paper yet check the bank balance before every payroll run.

• Month end takes three weeks, and the figures still get corrected afterwards.
• You cannot answer "what is our margin on that contract?" without a day of spreadsheet work.
• Prices have not been reviewed since your last cost increase.
• You are raising capital, buying a competitor or preparing to sell, and need a model that survives due diligence.
• You trade in two or more countries and nobody owns the consolidated picture.
• Hiring is decided on instinct, or your bank asks for forecasts your team cannot produce.
• As the owner, you are still the only person who really understands the numbers.

If three of these sound familiar, waiting already costs more than the fee.

Rates are published: no hidden fees, no setup charge, no minimum term you cannot exit.

• Essentials — from €1,500 per month. Management accounts review, a maintained cash flow forecast and one strategy call a month, for early-stage teams that need discipline before depth.
• Growth — from €3,000 per month. Weekly forecasting, KPI reporting, budget ownership, investor liaison and quarterly planning for startups outgrowing their finance function.
• Premium — quoted per scope. Board-level advisory work, fundraising or M&A leadership, multi-entity consolidation and international tax structuring.

A permanent hire costs roughly $200,000 in salary before bonus, benefits and recruitment fees. An affordable monthly fee buys the same seniority for the hours you need, without the premium of an executive on your payroll. Delivery is online, so you skip travel and overhead, and you can scale up for a funding round, then back down once it closes.

1. Reply within three hours. You tell us what hurts — cash, margin, reporting, a deadline — and we book a 30-minute call.
2. Financial diagnostic, two weeks. We review ledgers, contracts, pricing, working capital and tax position, then return a written findings list with a value attached to each fix.
3. Roadmap and cadence. We agree deliverables, meeting rhythm, reporting formats and who owns what.
4. Execution. Your finance lead works inside your own systems, alongside your bookkeeper, with support between meetings — questions answered the same day.
5. Review and adjust. Each quarter we reassess scope: ramp up for a raise, ramp down afterwards. No long-term contract means we keep earning the mandate.