CFO Services (Fractional)

Senior Financial Leadership Without a Full-Time Hire

Our fractional CFO services provide experienced financial leadership to businesses that need strategic insight, not just reporting.

Serving growth-stage businesses across Ontario, including Waterloo Region and Mississauga.

CFO Partner Support Includes

  • Financial oversight and decision support
  • Cash flow and forecasting
  • Budgeting and performance analysis
  • Lender, investor, and board support

Who this is for

  • Businesses scaling operations
  • Owners needing financial clarity
  • Companies preparing for financing or growth

What the CFO Partner role actually is

This is not bookkeeping.
This is not compliance management.
This is not hourly advice.
The CFO Partner acts as:

  • Your senior finance lead
  • Your financial decision support
  • Your interface with banks, investors, and stakeholders
  • Your guardrail for risk, cash, and scale

What’s included

Financial Leadership

  • Ongoing financial oversight
  • Interpretation of results and trends
  • Financial decision support for owners and leadership
  • Margin, pricing, and cost structure analysis

Cash Flow & Capital Strategy

  • Cash flow forecasting and scenario analysis
  • Working capital management
  • Financing readiness and lender discussions
  • Capital allocation guidance

Reporting & Insight

  • Executive-level financial summaries
  • KPI definition and monitoring
  • Budget vs actual analysis with interpretation
  • Forward-looking financial commentary

Stakeholder & Governance Support

  • Bank, lender, and investor support
  • Board-level financial input (where applicable)
  • Support during audits, reviews, or CRA engagement escalation
  • Alignment with governance, risk, and compliance requirements

What’s NOT included

To protect scope and quality, the following are not included:

  • Day-to-day bookkeeping or payroll processing
  • Transaction posting or reconciliations
  • Tax preparation or filing
  • Internal audit execution
  • Legal, valuation, or litigation support

(These are handled separately or through scoped engagements.)

How this differs from the Controller package

Controller

Operational oversight

Monthly monitoring

Issue tracking

Compliance support

Tactical

CFO Partner

Strategic leadership

Forward-looking guidance

Decision framing

Capital & growth strategy

Executive

If the Controller package keeps the business running,
the CFO Partner helps the business decide.

Pricing structure

CFO Partner services are delivered through monthly retainers or scoped engagements, depending on complexity and involvement.

Reference pricing:

Reference pricing: 
Senior advisory work is priced from $125/hour equivalent.

Most clients engage on a monthly retainer after an initial assessment.

Minimum engagement applies.

Engagement process

Initial assessment

We review financials, structure, risks, and priorities.

Scope definition

We define cadence, focus areas, and expected outcomes.

Engagement launch

CFO Partner support begins on an agreed monthly rhythm.

Upgrade paths from CFO Partner

As complexity increases, we may recommend additional specialist support:

  • Governance & Policy Development
  • Enterprise Risk Management (ERM)
  • Compliance Function Setup or Oversight
  • Internal Audit Support
  • Transaction or restructuring advisory

Each is scoped separately to protect focus and accountability.