A finance lead, on a part-time basis
Virtual CFO and advisory
Finbryn provides fractional CFO and FP&A work for US businesses: cash forecasting, budgeting, KPI design, investor and lender reporting, and financial support through a raise, an acquisition or a sale, delivered under a named pod, with senior principal review on every deliverable.
13-week cash forecast
Illustrative client · August 2026
USD
- Cash today
- $244,220
- Lowest week ahead
- 239,800
- Largest outflow
- Payroll, 46,300
Illustrative. An example of the document, not a client's figures.
Finance leadership without a full-time hire
Most US small and mid-sized businesses cannot justify a full-time CFO, but they still need someone who reads the numbers, spots the trend before it becomes a problem, and can sit across the table from a lender, an investor or a buyer. That is the gap virtual CFO work fills: senior financial judgment, on a part-time basis, built on top of books that are already closed and reconciled.
What this covers
The work ranges from a monthly finance review with a fractional CFO to a specific deliverable, such as a 13-week cash flow forecast ahead of a slow season, a fundraising model before a raise, or due diligence support ahead of a sale. Some clients start with one piece, such as KPI design, and add fractional CFO time once the reporting is in place. Others start with the full advisory relationship.
Reviewed before it reaches you
Every model and report goes through senior principal review before it reaches you. This work is financial analysis and planning, not tax preparation, and it is not audit or attest work: it does not touch your tax filings, and it is not a substitute for a licensed accounting firm's attest engagements.
Built on your books
Every forecast, budget and report is built from your actual QuickBooks Online, Xero or NetSuite data, not a generic template. If your books are not current, we can close them first through our bookkeeping service, so the numbers behind any CFO or planning work are correct from day one. See pricing for how advisory work is scoped and priced, and how it works for what onboarding looks like.
All services
Virtual CFO and advisory: every service
- Fractional CFOA senior finance lead who works your numbers on a part-time basis: monthly reviews, board and investor prep, and a second opinion before a big decision.
- 13-week cash flow forecastA rolling week-by-week cash forecast that shows what is coming in, what is going out, and where the next 13 weeks get tight.
- BudgetingAn annual budget built from your real numbers, broken out by month and department, that becomes the baseline every later report is measured against.
- FP&AOngoing financial planning and analysis: budget-to-actual tracking, margin and cost analysis, and the monthly pack that explains why the numbers moved.
- Fundraising financial modelsA financial model built for a raise: historical actuals, a growth-driven forecast, and the assumptions an investor will want to pressure-test.
- Investor reportingA recurring investor update built from your actual numbers: the metrics investors expect, delivered on a schedule you can rely on.
- Pricing and unit economicsA clear read on what each customer, order or unit actually costs and earns, so pricing decisions are based on margin rather than a guess.
- KPI designA short list of the numbers that actually run your business, defined once and tracked consistently, instead of a dashboard nobody opens.
- M&A due diligence supportFinancial due diligence support for a buy-side or sell-side deal: clean data, a quality-of-earnings view, and answers ready before the buyer or their advisor asks.
- Exit readinessA review of what a buyer's diligence team will see in your books, done before you go to market, so surprises get fixed on your own timeline instead of theirs.
- Lender covenant reportingRecurring reports built to your loan agreement's exact definitions, delivered on the schedule your lender requires, so a covenant test never comes as a surprise.
Questions
Frequently asked questions: Virtual CFO and advisory
Is a fractional CFO worth it for a small business?
If you are making pricing, hiring or fundraising decisions without a clear read on cash and margin, a fractional CFO usually pays for itself in avoided mistakes long before it pays for itself in new revenue.
Do you handle our tax return as part of CFO work?
No. Virtual CFO and advisory work is financial planning and analysis. Tax return preparation is a separate service, and any federal or state return is signed by a credentialed preparer, not by the advisory team.
Can you work alongside our existing accountant or CPA?
Yes. We commonly sit alongside an existing tax CPA or bookkeeper, focused on forward-looking planning rather than the compliance work they already handle.
What software do you need access to?
Read access to your accounting system (QuickBooks Online, Xero or NetSuite), plus your bank feeds if they are not already connected there, is usually enough to start.
How is pricing structured for advisory work?
Advisory engagements are scoped and priced up front once we understand what you need; terms are set out in your engagement letter. Published starting ranges are on the pricing page.
How often do virtual CFO advisory sessions happen?
Most engagements run on a monthly cadence tied to the close, with a working session to review cash, margin and the month's variances, plus additional support around specific decisions such as a raise, a hire, or a pricing change as they come up.
What happens if the person acting as our fractional CFO changes?
You get a direct line to a named finance lead, and if that person's assignment changes, a recorded handover memo covers the current forecast, open decisions and anything discussed with your board or investors, so the next session doesn't start from a blank page.
What access does a virtual CFO need to our systems?
View or edit access to your accounting platform and any planning tool such as Google Sheets, Excel or Fathom, plus visibility into bank balances if 13-week cash forecasting is part of the engagement. Access is scoped to advisory work and reviewed if the engagement ends.
Next step
Talk to the team that would run your books
A short call covers your setup, your software and what a first month would look like. You get a written scope and price after it.