Fractional CFO Services
Get CFO-Level Financial Clarity, Without the CFO Price Tag.
Partner with experienced financial leadership purpose-built for founder-led and scaling teams, without hiring full-time.
Transparent, Flat-Rate Pricing
Flat-rate fractional CFO pricing that scales with your growth. No hourly billing, no surprises, just one predictable number you can plan around.
Focused on Measurable Results
We work with intention and adjust in real time, driving the cash flow, margins, and KPIs that actually move your business forward.
A Proven Partner You Can Trust
From founder-led startups to $200M+ operations, we embed in your team and help you grow with confidence.
What a Fractional CFO Actually Does
A fractional CFO is an experienced finance executive who works with your business on a set monthly scope instead of joining as a full-time hire. You get the forecasting, cash flow strategy and board-level reporting a CFO delivers, sized to what your business needs right now.
The work comes down to four jobs:
- Forward visibility. Models and forecasts that show what happens to cash if you hire, raise, open a location or lose a customer.
- Margin and unit economics. Knowing which products, locations or clients actually make money, and which quietly don’t.
- Capital readiness. Financials a bank, board or investor will accept without a round of clean-up first.
- Operating discipline. A monthly close that lands on time, with numbers you can act on the day you get them.
Your bookkeeper tells you what happened. A fractional CFO helps you decide what happens next, and the two work best together.
SIGNS IT'S TIME FOR A FRACTIONAL CFO
Revenue's up, but cash still feels tight. Maybe you're prepping for a raise, or just tired of running the business blind.
You don’t need more spreadsheets. You need clarity. Strategy. Confidence in your numbers. That’s what a great CFO brings, and that’s what we deliver as your fractional CFO. No hand-holding required. Just real expertise, real results, right where you need it.
Not sure if you’re ready? Here’s how to decide.
Not sure which model fits? Compare fractional vs virtual CFO
You’re probably ready if:
- You’re raising, and the last round’s diligence turned up books that weren’t ready.
- You’ve passed roughly $5M in revenue and the bookkeeper-plus-spreadsheet setup has stopped scaling.
- You’re opening locations and can’t see performance unit by unit.
- A sponsor, franchisor or lender is asking for reporting you can’t produce on demand.
- You’re making six-figure decisions on numbers you don’t fully trust.
WHAT WE DELIVER
Results you can see. Service you can trust.
Fractional CFO & Controller Support
Strategic finance leadership and outsourced controller support, without a full-time hire.
- Forecasting, scenario modeling, and margin strategy
- Banking and investor relationship support
- Controller-level help to close books and validate reports
Perfect for founder-led or scaling teams who need more than just bookkeeping. Need CFO support specifically for your startup? Start here.
Financial Planning & Profit Strategy
We turn your goals into a numbers-backed financial plan that actually works.
- Custom-built models and financial forecasts
- Pricing and cost structure optimization
- Unit economics and profitability strategy
Cash Flow & KPI Management
- Weekly/monthly cash flow reports
- Real-time dashboards and KPI tracking
- Burn rate analysis and liquidity planning
Investor & Board Readiness
Communicate like a seasoned CFO, even if you’re not one.
- Fundraising and capital strategy
- Board reporting and investor updates
- Financial storytelling that builds trust
Systems & Tech Implementation
Your finance tools should work for you, not against you.
- Cloud accounting and automation
- Payroll, AP/AR, inventory tracking
- Custom reporting and integrations
Specialized Projects & Consulting
When it’s complicated, we’ve got it.
- GAAP compliance and accounting policy
- Interim finance leadership and internal controls
- Custom financial problem-solving
How Engagements Are Structured
Every engagement is scoped to the business. A pre-seed startup and a multi-unit franchise operator need different finance functions, so we build each one around the company in front of us.
| Model | Best fit | What it looks like |
|---|---|---|
| Fractional CFO | Founder-led and scaling teams that need strategy more than headcount | Set monthly scope and flat rate, senior CFO time with controller support underneath |
| Interim CFO | A gap between hires, a transaction or a turnaround | Higher intensity, a defined end date, full ownership of the finance function |
| CFO plus outsourced accounting | No internal finance staff | The strategic layer runs together with bookkeeping, AP and AR, and the monthly close |
| Project scope | A raise, an acquisition, a systems migration or a clean-up | A defined deliverable on a defined timeline |
Engagements run on a flat monthly rate set by scope and stage, so you get one predictable number to plan around and no hourly invoices. For typical market ranges and how to budget for one, see our breakdown of fractional CFO pricing.
OUR GUARANTEE
We work like we’re on your team, because when we commit, your goals become ours. Accountability isn’t just how we operate, it’s how we drive results.
What you can count on:
Measurable Value
From cash clarity to margin gains, we show the real results.
No Bookkeepers Playing CFO
You get hands-on finance operators, not pitch decks and fluff.
Not Just “Outsourced Accounting”
Best-in-Class Tools, Adapted for You
Custom Everything
OUR APPROACH
We build financial clarity and momentum on three pillars:
INSIGHT
Illuminate Your Numbers
- Set up dashboards and reporting
- Clean your data so you can trust what you’re seeing
Strategy
Drive Growth Through Focus
- Forecasting, margin analysis, cash flow strategy
- Identify the moves that actually grow your business
Accountability
Execute What Matters
- We implement the strategy, measure progress, own outcomes, and keep things moving
The First 30 Days
Week 1: fit and access. A short intro call to confirm fit, then access to your accounting system, bank feeds and any existing reporting.
Weeks 1 to 2: clean the data. We reconcile, fix the chart of accounts where it’s working against you, and establish what the numbers actually say today.
Weeks 2 to 3: dashboards live. Reporting and KPI tracking set up so you can see cash, margin and performance without having to ask for it.
Week 4: strategy mapped. A forecast, your priorities for the next two quarters, and the specific moves that change the outcome.
After that, it’s a monthly rhythm: close, report, meet, decide.
What our clients say about us
Why exact_
exact_ is No. 152 on the 2026 Inc. 5000, our second straight year on the list of America’s fastest-growing private companies, on 2,089% three-year growth. The firm was founded in 2021 by four CPAs, Dan Spada, Mike Condino, Angela Nowicki and Chris Nowicki, all with Big Four backgrounds.
Our deepest experience is in franchise and multi-unit operations, PE-backed companies and venture-backed startups, and we work remotely with clients across North America from our office in Buffalo.
You get CFO-level judgment at a fraction of the cost of a full-time CFO.
Frequently Asked Questions
What does a fractional CFO cost?
Across the market, fractional CFO engagements typically run $3,000 to $15,000 a month, and most land between $5,000 and $10,000. Where a business falls depends on scope, stage and how much senior time it needs. We price on a flat monthly rate, so you get one predictable number with no hourly billing. Here’s our full cost breakdown.
How is a fractional CFO different from a controller or a bookkeeper?
A bookkeeper records what happened. A controller makes sure it’s accurate and closes the books. A fractional CFO uses that information to decide what happens next: forecasting, margin strategy, capital planning, and board or investor reporting. Our engagements can include controller-level support under the CFO work, because the strategy is only as good as the data beneath it.
When should a business hire a fractional CFO?
Usually when there’s a decision you can’t make confidently on the numbers you have. In practice that comes with a funding round, a multi-location expansion, a sponsor or lender asking for reporting you can’t produce, or the point where a bookkeeper and a spreadsheet stop scaling. If you’re weighing it, we’ll tell you on a call whether you need a CFO yet. More on when to hire a CFO.
Is a fractional CFO worth it compared to a full-time hire?
It depends on whether you need a full-time CFO’s hours or a full-time CFO’s judgment. Most growing businesses need the judgment long before they need the headcount, and a fractional engagement gives you senior expertise for the scope you actually use. See fractional CFO vs full-time CFO.
Do you need a CPA to be a fractional CFO?
No license is required to work as a fractional CFO, so credentials vary a lot from firm to firm. All four exact_ founders are CPAs, which matters when the work touches GAAP reporting, an audit, tax planning or a transaction.
Do you work with businesses outside Buffalo?
Yes. exact_ is remote-first and works with clients across North America. Our office is in Buffalo, New York.
What industries do you work with?
Franchise and multi-unit operations, PE-backed companies and venture-backed startups are our deepest specialties. We also work with medical and dental practices, law firms, SaaS, ecommerce, restaurants, manufacturing and real estate. See the industries we work with most.
OUR PROCESS
Ready to Grow? Let’s get started.
Inquiry
Quick intro call. We’ll help you assess fit, fast.
Implementation
Dashboards live. Data cleaned. Strategy mapped in 30 days.
Ongoing Partnership
Finance shouldn’t feel like a guessing game.
With Exact, you get clarity, confidence, and strategy, without hiring a full-time CFO.