FRACTIONAL CFO SERVICES
Financial Clarity So You Can
Lead With Confidence
Your fractional Chief Financial Officer takes ownership of your financial health — delivering the reporting, forecasting, and strategic guidance you need to make smart decisions and grow with confidence.
FINANCIAL BLIND SPOTS
Most Small Businesses Are Flying Blind Financially
Most small business owners check their bank balance to decide if they can make payroll or hire someone. That’s not financial management — it’s financial anxiety.
Without proper financial infrastructure, you can’t know your true profit margins, can’t predict cash flow, can’t plan for growth, and can’t have the conversations that matter with lenders, investors, or potential partners.
Your fractional CFO changes that — building the financial visibility and control you need to run your business like a real company.
Signs You Need a Fractional CFO
- ✓You check your bank balance instead of financial statements
- ✓Cash flow is unpredictable and payroll is sometimes stressful
- ✓You don’t know your true profit margin by service or product
- ✓You want to apply for a loan or bring on investors
- ✓Your bookkeeper keeps the books but no one is interpreting them
WHAT WE DELIVER
Core CFO Deliverables
Budgeting & Forecasting
Build annual budgets and rolling forecasts that help you plan for growth, anticipate cash needs, and make data-driven decisions — not gut-feel guesses.
Cash Flow Management
Implement a 13-week cash flow forecast, optimize billing and collections, time vendor payments strategically, and ensure you never get surprised by a cash crunch.
Financial Reporting & Analysis
Produce clean monthly P&L statements, balance sheets, and executive dashboards. Interpret what the numbers mean and what actions they should drive.
Accounting Oversight
Manage and direct your bookkeeper or accountant, ensure GAAP compliance, clean up messy books, and implement proper controls to prevent errors and fraud.
Pricing Strategy & Margin Analysis
Identify your most profitable services or products, evaluate your pricing model against your cost structure, and find the levers that move the needle on true profitability.
Fundraising & Lender Relations
Prepare investor-grade financial packages, model scenarios for funding conversations, and act as your financial voice in discussions with banks, lenders, and investors.
CLIENT RESULT
“Before Kornerstone, I had no idea where my money was actually going. My bookkeeper kept the numbers but no one was telling me what they meant. Within 90 days we had a real budget, 13-week cash flow forecasting, and for the first time I could actually see which clients were profitable. I finally felt in control of the business I’d built.”
Sarah M.
Owner, Retail Boutique — Indianapolis, IN
Ready to finally understand your numbers?
Start with a free 30-minute call and we’ll show you exactly where your financial blind spots are and how we fix them.