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Fractional CFO Services

Financial Planning and Decision Clarity for Small Businesses

Fractional CFO Services

Financial Planning and Decision Clarity for Small Businesses

Three step process for Small Business Financial Strategy

Vision Casting

Review & Accountability

Strategy & Budget

1:1 Meetings with your Fractional CFO to determine your goals:

1 year goals

3 years goals

10 years goals

Strategy & Budget

Review & Accountability

Strategy & Budget

Fractional CFOs put numbers and actionable targets to your goals using budgets, forecasts, proformas, scenario analysis and ROIs.

Review & Accountability

Recurring monthly meetings to review of your progress against your goals though P&L Review, Cashflow Forecasts and Expense Review.

What to expect in the first 30 days

Discovery Call

First, schedule a discovery call with your CFO. Describe your decision block. What is holding you back in your business?

Onboarding

Your CFO will need access to financials in order to start review. An onboarding admin will coordinate limited access to all appropriate financial systems (QuickBooks, Payroll System, CRM).

Cashflow Forecast within 14 days

Within 14 days, you will have a working draft of a Cashflow forecast. Managing cashflow, forecasting when money will be received and paid from your bank accounts, is the highest priority in small businesses. If you ever worry that you won't have enough money to pay vendors or payroll based on the timing of your accounts receivable, this report is a must have!

Vision Casting Meeting

The first month of onboarding is the most intensive. Your CFO will deep dive on your business goals by asking discovery questions that will define your short term, mid term and long term goals. These goals will be turned into a budget and actionable targets.

Budget and Targets

Turn your goals into reality with a detailed budget and revenue targets. Planning and calculating makes the execution organized and measurable, not to mention profitable!

Monthly Budget Variance Review

On a recurring monthly schedule, your CFO will meet with you to review your actuals vs budget. The best way to stay on track is to review your progress and pivot targets as new information becomes available.

What will be reviewed?

Profit and Loss - your business must be profitable to keep going

Balance Sheet - review asset and debt targets

Cashflow Forecast - 13 week view of cash flowing in and out of bank accounts

Expense Review

Accounts Receivable

Accounts Payable

Reforecast (quarterly or as needed) - adjust the targets with any new information

A La Carte Analysis

Change happens fast. Call upon your CFO for decision making help as the needed. Ad hoc reports including Proformas, ROIs, Scenario analysis and labor analysis help with decisions like:

- Should I lease or use cash for a big purchase?

- Will a new line of business be profitable?

- Will I get my money back on a piece of equipment?

- Is my compensation package for my sales team accurate?

These reports are not included in your recurring monthly Financial Strategy cadence. Available upon request.

Meet your Business Coach and Fractional CFO

Lauren Ungerer | Fractional CFO for Small Business

With over a decade of experience in financial planning and analysis, I partner with growing businesses to bring clarity, strategy, and confhidence to their numbers. My background spans budgeting, forecasting, cash-flow management, financial modeling, and executive-level decision support — the same tools larger companies rely on, tailored for small and mid-sized organizations. As a Fractional CFO, I don’t just deliver reports — I translate financial data into actionable insights that help business owners make smarter decisions, increase profitability, and plan for sustainable growth. I understand the realities entrepreneurs face because I’ve worked alongside leadership teams navigating rapid change, uncertainty, and expansion. My goal is simple: turn financial complexity into clear direction so you can focus on running and growing your business.

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Fractional CFO Services

Fractional CFO Services

Financial Strategy: a bird's eye view