Fractional CFO Services for Small Businesses in US

Common signs: you are scaling quickly, raising capital, hitting cash pinch points, preparing for an audit, expanding to new markets, or making big decisions without the numbers to back them up. If any of those sound familiar, a conversation is usually worthwhile.

Probably not. We scope engagements from a few hours a month for early-stage companies to deeper weekly involvement for scaling businesses, so the model flexes with your stage.

Yes. We work with startups preparing for or coming off a first round, including Software as a Service (SaaS), e-commerce, agencies, clinics, and product-led businesses.

Yes. We prepare data rooms, build investor-grade financial models, clean up reporting, support due diligence, and coordinate with auditors and tax advisors through the process.

Yes. We produce board packs, investor updates, lender covenant tracking, and KPI reports on the cadence your stakeholders expect.

We start with a scoping call to understand the business, goals, and current state. From there, we build a 30, 60, 90 day plan that defines deliverables, cadence, and operating rhythm, then meet on a regular schedule (typically weekly or bi-weekly) to execute.

It varies. Lighter engagements may be 8 to 20 hours a month, while active scaling or fundraising engagements can run 40+ hours a month. We scope hours to the work, not the other way around.

You get a dedicated senior lead, supported by analysts, bookkeepers, and managers behind them. One point of contact, full team backing.

Regular meetings, a shared finance operating rhythm, the Orbit Portal for documents and requests, and integrations with your accounting platform, so the CFO is always working from current numbers.

Typically 2 to 4 weeks for a productive baseline (current cash position, KPIs, near-term forecast), with deeper modeling and strategic outputs landing in the following 30 to 60 days.

Fixed monthly pricing, scoped to the level of involvement: lighter advisory, active operating rhythm, or fundraising and growth intensive. We agree the scope and cadence before you sign.

A full-time CFO commands a senior executive salary, plus benefits and often equity. A fractional engagement gives you the same caliber of expertise at a fraction of that fully-loaded cost, scaled to what your business actually needs right now.

Yes. Many clients begin with a lighter engagement focused on cash and reporting, then add modeling, planning, or fundraising support as the business grows.

Our standard agreement is a 12-month term, which lets us build context, set up the operating rhythm, and deliver meaningful results. If a different length works better for your situation, we are happy to discuss and adjust the contract length.

Bookkeeping, payroll, and tax filings are separate services. We can bundle them or work with your existing providers. Heavy one-off projects, such as a full merger or acquisition model or a major audit response, may be scoped separately.

Senior Certified Public Accountants (CPAs) and finance leaders run the engagement. Analysts and bookkeepers support the heavy lifting, but the strategic work, board interactions, and key decisions stay with senior people.

Yes, and most clients prefer it that way. A fractional CFO is most effective when the underlying books are clean, current, and consistent, which is why our bookkeeping and tax compliance services pair so well with a CFO engagement.

SaaS, technology, e-commerce, professional services, agencies, clinics, non-profits, restaurants, real estate operating companies, and product-led small and medium-sized businesses. We can match you with a CFO who has worked in your model before.

Yes. We support multi-entity U.S. groups and cross-border structures, with bookkeeping handled in-house and international tax filings coordinated through trusted partners.

A solo consultant brings one brain and limited bandwidth. Orbit pairs a senior CFO with a full finance team behind them: bookkeepers, analysts, tax specialists, and the Orbit Portal, so strategy, execution, and reporting all move together without dropped balls.