Startup CFO · Serving Founders Nationwide

Startup CFO Services

F&M Management is a fractional CFO firm built for startups — fundraising support, runway management, and financial infrastructure that scales with you.

Book a Free 30-Minute Call See What's Included

Signs It's Time

Is It Time for a Startup CFO?

Early-stage finance needs are different from an established business. Here’s when dedicated CFO support starts to pay for itself.

✓ You’re raising a round and need investor-ready financials and a defensible model.
✓ You don’t have a confident, current answer to "what’s our runway."
✓ Your cap table, burn rate, and unit economics live in a spreadsheet only the founder understands.
✓ Your board or investors are asking for reporting you don’t currently produce.
✓ You’re making hiring or spending decisions without a clear financial plan behind them.

Scope

What's Included

CFO-level support scoped to where your startup actually is.

✓ Fundraising support: financial model, data room prep, and investor Q&A
✓ Burn rate, runway, and unit economics tracking
✓ Board reporting and investor update preparation
✓ Financial infrastructure setup (accounting system, KPIs, reporting cadence)
✓ Budgeting and headcount planning tied to your growth plan
✓ Cap table and financing structure guidance alongside your legal counsel

The Math

A Fraction of the Cost of a Full-Time Hire

A full-time Finance Lead carries real cost beyond salary alone — benefits, payroll taxes, and overhead. Drag the slider to see fractional cost at different monthly hours.

Full-Time Finance Lead (avg. total annual cost)$235K+

F&M Management at 30 hrs/month$0/yr

10 hrs/mo60 hrs/mo

Figures reflect general market data, not a quote. Full-time cost reflects average total compensation for an early-stage finance/CFO hire — cash comp plus equity-equivalent value — loaded for employer payroll taxes and benefits. 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 support, scaled to your business.

Common Questions

Startup CFO Services — Frequently Asked Questions

At what stage should a startup bring on a fractional CFO?

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Most founders bring in fractional CFO support around their seed to Series A stage — when fundraising, board reporting, or basic financial infrastructure start to outgrow what a founder or bookkeeper can manage alone.

Can you help us prepare for a fundraise?

Yes — this is one of the most common reasons startups engage us, including building the financial model, preparing data room materials, and supporting investor diligence questions.

Do you replace the need for a full-time finance hire?

For many early-stage startups, yes, at least initially. As the company scales, we often help design and hire the in-house finance team, and can stay on in an oversight or CFO-advisory capacity.

How involved will you be day-to-day?

That’s scoped to your needs — some startups want a few hours a week of strategic support, others want deeper weekly involvement through a fundraise or a major growth phase.

Do you work with startups outside of Florida?

Yes. We work with startups across the United States. Startup CFO engagements are well suited to remote collaboration, with travel available for board meetings or investor meetings as needed.

Get Started

Let's Talk About Your Finance Function

Whether you need a fractional CFO, a controller to own the close, or a bookkeeping cleanup, F&M Management can start with exactly what you need.

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