Fractional CFO Services in Tampa

It is when the business has outgrown gut feel but can't yet carry a full time CFO salary. The signs are familiar: cash is tight even though sales are up, the monthly reports don't answer the questions you actually ask, or a lender or investor wants numbers you can't produce quickly. A part time CFO fixes those gaps for a fraction of the cost of an executive hire. If your books are simple and stable, you may not need one yet, and we'll say so.

Think of it as the finance leadership seat, filled part time. We review results each month, build the budget and the rolling forecast, manage cash, design reports that leadership will read, and weigh in on big calls like hiring, pricing, borrowing or buying equipment. Bookkeeping records what happened; this work is about what to do next.

A bookkeeper keeps the transactions recorded. An accountant turns them into statements and tax returns. A CFO uses all of that to steer: which products make money, how much cash you'll need in six months, whether a new location pays for itself. We work alongside your existing bookkeeper or accountant rather than replacing them.

Common triggers include fast growth, a cash crunch you didn't see coming, a bank loan or line of credit renewal, a new market, a big hiring push, or margins that keep slipping. Government contractors often bring us in before their first cost type contract, when DCAA audit readiness and indirect rate structures suddenly matter.

It depends on how complex the business is and what's on the calendar. Many clients start with a monthly close review and a leadership meeting, then add more time around budget season, a financing round or a major change. We agree up front on deliverables and a meeting rhythm so you always know what you're getting.

Yes, and it's usually the first thing we tackle. We find where cash is getting stuck, often slow receivables, early payables or inventory, and build a 13 week forecast so you can see shortfalls before they happen. That gives you time to adjust spending, chase collections or line up financing instead of reacting.

Yes. Entity structure, owner pay, equipment purchases and timing of income all carry tax consequences, so we plan for them during the year instead of at filing time. Because the founder is also an IRS Enrolled Agent, we can step in on the tax resolution side too if an old payroll or income tax balance is weighing on the business.

Book a call and come ready to talk about the decisions or gaps in front of you. We'll look at your current finance setup and records, agree on two or three priorities (a forecast, a cleaner monthly report, a budget), and shape the engagement around them. Tampa clients work with us remotely, which keeps things simple.