Fractional CFO Services

Strategic finance leadership, without a full-time salary.

Once your numbers are owned and managed, the real value is in what they tell you about what to do next. Fractional CFO services turn your financials into forecasts, scenarios, and decisions.

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What's Included

Everything in Controller, plus forward-looking strategy

  • 13-week cash flow forecasting
  • Budget vs. actual reporting and scenario planning
  • Profitability and pricing/margin strategy
  • Hiring and financing decision support
  • Board / lender / investor-ready reporting
  • Recurring strategy calls with a senior finance leader

Who This Is For

Businesses making strategic financial decisions — raising a round, planning a major hire, evaluating a new pricing model, or preparing for lender/investor conversations — that need a finance leader's judgment without a full-time executive salary.

Curious what a 13-week cash flow forecast actually catches? Read why profitable businesses still run out of cash.

Real Decisions, Real Numbers

The kinds of questions we help you answer

Ecommerce & DTC

  • "Which SKU is actually profitable?"
  • "What's our contribution margin?"
  • "Can we afford another $200K inventory purchase?"
  • "What happens to cash if Meta CAC increases 20%?"
  • "How much inventory should we carry for Q4?"

Real Estate

  • "Which property is actually cash-flow positive after debt service?"
  • "Can we afford to distribute this quarter, or should we hold reserves?"
  • "What happens to returns if rates don't come down next year?"
  • "Should we refinance this property or sell it?"
  • "What's our real return once we account for capex across the portfolio?"

Construction

  • "Which jobs are actually profitable once we account for overhead?"
  • "What's our real position on percentage-of-completion?"
  • "Can we afford to bid this next project given current backlog?"
  • "What happens to cash flow if a GC delays a pay app 60 days?"
  • "How much retainage do we have tied up right now?"
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How Engagements Run

A structured rhythm, not ad-hoc firefighting

1

Discovery & Financial Systems Audit

We assess your current financial state, review existing processes and controls, and identify the gaps between where reporting is today and where it needs to be.

2

Communication Framework

We set a clear cadence — typically bi-weekly check-ins, a monthly comprehensive review, and quarterly strategic sessions.

3

Reporting Standardization

We build the templates and KPIs specific to your business model and industry.

4

Strategic Kickoff

You leave onboarding with a financial health assessment and a first set of recommendations — real value from week one.

Common Questions

FAQ

When should a growing business hire a fractional CFO?

Once you're making decisions with real financial stakes, such as raising capital, hiring significantly, changing pricing, or planning 12+ months out, and you need someone building the forecasts and scenarios behind those decisions, not just reporting on the past.

Who would be my fractional CFO?

Bindery was founded by Gina, a finance leader with 15+ years across public accounting, industry, and entrepreneurship. She started her career at Deloitte, held senior finance roles inside growing companies, and built and sold her own business. You get senior financial leadership from someone who has seen the numbers from the accountant's, the operator's, and the owner's side.

Can you prepare reporting for my board, investors, or lender?

Yes. Board-, investor-, and lender-ready reporting is part of every Fractional CFO engagement, so you walk into those conversations with numbers that hold up.

Do I need Controller Services first?

Usually, because a CFO's forecasts are only as good as the numbers feeding them. Every Fractional CFO engagement includes everything in Controller Services. If your books are already in good shape, we can scope CFO-level work directly. See Controller Services.

How much does Fractional CFO cost?

Fractional CFO engagements start at $3,500/month. The exact price is a fixed monthly fee scoped to your forecasting, board and investor reporting, and decision-support needs, with implementation scoped individually. No hourly billing and no hidden add-ons. Get your instant estimate →

See how this applies to your industry: Ecommerce & DTC · Real Estate · Construction

Curious which level you actually need?

Book a free assessment call and we'll tell you honestly which service fits where you are today.

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