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Your roadmap to smarter financial decisions with fractional CFO Services.
What is a fractional CFO?
A fractional CFO is a senior finance professional who delivers CFO-level strategy and oversight on a part-time or contractual basis, typically for companies that require advanced financial expertise but do not yet need or cannot afford a full-time CFO.
What a fractional CFO actually does
These responsibilities consistently show up across the role:
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Financial strategy & long‑range planning — building financial models, pricing strategy, capital allocation, and scenario planning.
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Cash flow management — 13‑week cash forecasts, burn rate analysis, runway projections, and working capital oversight.
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FP&A (Financial Planning & Analysis) — budgets, rolling forecasts, KPI frameworks, dashboards, and variance analysis.
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Board & investor reporting — preparing board packages, presenting financials, managing investor communications.
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Fundraising support — building investor‑grade models, organizing data rooms, leading financial due diligence. Fractional CFOs often have experience leading 10–20 fundraises.
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Financial systems & controls — upgrading reporting systems, designing controls, ensuring audit readiness.
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Oversee Daily bookkeeping, Routine accounting tasks, Basic controller work.
Fractional CFO vs Bookkeeping
While a fractional CFO monitors and audits the books, bookkeeping keeps the score — and that distinction is exactly why fractional CFO services deliver far greater value to small businesses. Bookkeeping captures what has already happened, but a fractional CFO interprets those numbers, identifies trends, and turns financial data into forward‑looking strategy. They strengthen cash flow with tools like 13‑week forecasts and runway projections, build financial models and pricing strategies that guide growth, and introduce FP&A discipline through budgets, KPI dashboards, and variance analysis. Beyond the numbers, they elevate the business with investor‑ready reporting, fundraising support, upgraded financial systems, and tighter internal controls. In essence, bookkeeping maintains the financial past, while a fractional CFO shapes the financial future — giving small businesses clarity, stability, and a strategic path to scale.
Testimony
“Whether it’s identifying inefficiencies, maximizing productivity, or developing dynamic tax strategies for every stage of growth, Torry & Company is instrumental in my decision-making process.”
— Eddie M., COO