What is a Fractional CFO—and Does Your Business Need One?

Introduction
Many small businesses struggle with growth-stage financial challenges. You might be profitable, but unsure where the money goes. Or maybe you’re considering expansion, but don’t have a clear cash flow projection. This is where a Fractional CFO can make a huge difference.

What is a Fractional CFO?
A Fractional CFO is a senior-level financial expert who provides CFO-level insights and strategy—without the full-time salary cost. They work with you part-time or on a project basis to help you manage your financial health and plan for the future.

What They Do:

• Financial Forecasting – Create 6–18 month models to project future performance.

• Cash Flow Management – Ensure you have enough cash to operate and grow.

• Budget vs. Actual Analysis – Identify where you’re over or under budget.

• Profitability Insight – Spot high-margin opportunities and cost inefficiencies.

• Strategic Planning – Align your financial plan with your business goals.

Is It Right for You?
If you’re asking questions like:

• “Can I afford to hire?”

• “What’s my runway if sales dip?”

• “How can I increase profitability?”
  Then yes—this service could be game-changing.

At Tangerine Financial Solutions, our Fractional CFO service gives you access to high-level financial strategy without the overhead of a full-time CFO. It’s designed specifically for growing small businesses that need clarity, control, and confidence in their financial future.