Fractional CFO services for owners who want financial control, and a business buyers will pay for
A fractional CFO is a senior finance executive who works part-time inside your company to turn bookkeeping into decision-making: cash forecasting, margin by product or customer, KPIs, banking relationships and, when the time comes, a financial story that holds up in due diligence. Savvy places fractional CFOs with owner-led companies from $5M to $100M in revenue that have outgrown their bookkeeper or controller but don't need a full-time CFO yet.
Signs you need a fractional CFO
You know revenue, but not which customers, products or jobs actually make money.
Cash surprises you, even in good months.
Your financials close late and nobody uses them to make decisions.
A bank, investor or buyer is asking for numbers you can’t produce with confidence
You expect to sell, recapitalize or acquire in the next 3-5 years.
What a Savvy fractional CFO delivers
01
Clean, timely financials
a monthly close your leadership team can trust and act on.
02
Forecasting and cash control
a 13-week cash flow and an annual plan tied to the scorecard.
03
Margin Clarity
profitability by customer, product line or job, so you can price and grow on purpose.
04
Deal readiness
quality-of-earnings preparation, add-back documentation and a data room before you need one.
How much does a fractional CFO cost?
Market ranges run roughly $3,000–$5,000/month for basic oversight, $5,000–$10,000/month for most growth-stage work, and $10,000–$15,000+/month during fundraising or M&A. Hourly rates run about $175–$450 (Glye Consulting).
| Engagement level | Typical time | Market cost |
|---|---|---|
| Oversight | 10–20 hrs/month | $3K–$5K/month |
| Strategic CFO (most $10M–$50M companies) | 20–40 hrs/month | $5K–$10K/month |
| Deal or capital-raise mode | Embedded | $10K–$15K+/month |
| Savvy fractional CFO | Matched to need |
Fractional CFO vs. controller vs. bookkeeper
A bookkeeper records what happened. A controller makes sure it's accurate and on time. A CFO uses it to decide what happens next: pricing, cash, capital, and the value of the business. Most $5M–$50M companies need a strong controller function plus part-time CFO judgment, not a full-time CFO.
Why SAVVY
CFOs who've sat at the deal table. Our bench includes finance leaders who've taken companies through sale, recap and acquisition.
Finance tied to value. Through Value Savvy™, we connect monthly numbers to the drivers buyers pay a multiple for.
Part of a full leadership bench. If the real constraint is operations or revenue, we can bring the right fractional executive alongside your CFO.
Fractional CFO Frequently Asked Questions
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Leads finance part-time: forecasting, cash management, KPIs, pricing and margin analysis, lender and investor relationships, and exit preparation.
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When decisions are outrunning your numbers, typically between $5M and $30M in revenue, or 2–3 years before a planned sale.
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Yes. They prepare clean financials and normalized EBITDA, anticipate quality-of-earnings findings, and support you through diligence alongside your banker.
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Largely yes; "outsourced" and "part-time CFO" are often used for the same role.
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No. Your CPA handles tax and compliance; the fractional CFO uses the numbers to run and grow the business.
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Savvy’s typical time to start