Fractional CFO · Serving Businesses Nationwide

Fractional CFO Services

A fractional CFO gives your business the strategic financial leadership of a full-time CFO — forecasting, capital planning, board and investor reporting — on a part-time or retainer basis, without the cost of a full-time executive hire. F&M Management brings practitioner-level experience in real estate, hospitality, retail, and professional services to every engagement.

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Signs It's Time

When Should You Hire a Fractional CFO?

Most businesses bring on a fractional CFO once they've outgrown what a bookkeeper or part-time accountant can provide. Common signs it's time:

✓ You're raising capital or taking on debt and need a defensible financial model behind you
✓ You don't have real visibility into cash flow, or where margin is being lost
✓ You're making pricing, expansion, or acquisition decisions without financial modeling to support them
✓ Your board, investors, or lenders expect professional-grade reporting you can't currently produce
✓ You've outgrown your bookkeeper, but a full-time CFO isn't the right cost for your stage yet

Scope

What's Included

A fractional CFO engagement with F&M Management is built around where your business is today, not a fixed package. Typical scope includes:

✓ Strategic financial leadership and direct partnership with ownership on growth, pricing, and long-range planning
✓ Board and investor reporting
✓ Capital planning and financing strategy
✓ Financial modeling, budgeting, and variance analysis
✓ Cash flow forecasting and liquidity planning
✓ Oversight of your accounting and bookkeeping function, whether in-house or outsourced

The Math

A Fraction of the Cost of a Full-Time Hire

Small business CFOs typically command $190K–$260K in cash compensation alone — before benefits, payroll taxes, and overhead push the real annual cost higher. Drag the slider to see fractional cost at different monthly hours.

Full-Time CFO (avg. total annual cost)$290K+

Fractional CFO at 30 hrs/month$90K/yr

10 hrs/mo60 hrs/mo

Figures reflect general market data, not a quote. Full-time figure reflects average small-business CFO total cost, including base cash compensation ($190K–$260K) plus employer payroll taxes, benefits, and bonus. Fractional estimate uses $250/hr, scaled to hours selected. Every F&M Management engagement is scoped and priced to your business — book a call for a proposal.

Flexible By Design

Engagement Options

Every engagement is built around where you are today, not a one-size-fits-all package.

Project-Based

A defined scope and price for one-time work — a financials cleanup, a system implementation, or an underwriting package.

Hourly Rate

Pay only for the time you need — well suited to ad hoc support, advisory questions, or lighter workloads.

Fixed Monthly Rate

A predictable monthly retainer for ongoing CFO-level support, scaled to your business.

Common Questions

Fractional CFO: FAQ

What is a fractional CFO?

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A fractional CFO is an experienced finance executive who works with your business part-time or on retainer, providing the strategic financial leadership of a full-time CFO — board reporting, capital planning, forecasting — without the cost of a full-time hire.

When should I hire a fractional CFO?

Most businesses bring on a fractional CFO when they've outgrown what a bookkeeper can provide: when they need real forecasting and cash flow visibility, are raising capital or taking on debt, or are making decisions that need financial modeling behind them.

How much does a fractional CFO cost?

Nationally, fractional CFO engagements typically run $3,000–$15,000 per month depending on scope and hours, or $175–$450 per hour for project-based work — a fraction of a full-time CFO's salary and benefits. F&M Management scopes and prices each engagement to the specific business, so book a call for a proposal tailored to you.

Do I need a CFO or a Controller?

A Controller owns accurate, timely accounting — the monthly close, reconciliations, and financial reporting. A CFO owns strategy — forecasting, capital planning, and using that reporting to guide decisions. Many growing businesses need both, which is why fractional engagements often combine the two.

Do you work with businesses outside of Florida?

Yes. We work with growing businesses across the United States. Most engagements are run remotely, with in-person availability when it’s useful.