CFO-Level Finance Support For Serious SMEs
Financely provides fractional CFO services for SMEs that need cash flow control, lender-ready reporting, management accounts, FP&A, working capital discipline, and senior finance leadership without hiring a full-time CFO. Monthly engagements range from USD 5,000 to USD 25,000 depending on reporting cadence, entity structure, debt exposure, finance team maturity, transaction activity, and management requirements.
This service is designed for companies where financial decisions are still being made from bank balances, delayed accountant reports, spreadsheet fragments, inconsistent monthly close data, weak margin reporting, or incomplete lender packs. Financely adds the CFO layer management needs to run the business with better visibility over cash, gross margin, covenant exposure, debt service, customer profitability, supplier terms, and funding capacity.
Financely turns accounting data into management-grade finance outputs: 13-week cash forecasts, monthly reporting packs, KPI dashboards, lender update files, working capital controls, margin analysis, and board-level decision support.
Who This Service Is Built For
The strongest fit is a revenue-generating business with real operating pressure: payroll timing, receivables, supplier terms, debt service, inventory cycles, project delivery obligations, customer concentration, margin leakage, or lender scrutiny. The company may already have an accountant or bookkeeper. The missing layer is senior finance leadership that can translate the numbers into decisions.
Owner-Operated SMEs
CFO support for companies where the owner still approves payments, negotiates supplier terms, manages cash, reviews pricing, and handles lender conversations without a structured finance function.
Trading And Distribution Companies
Finance leadership for importers, exporters, wholesalers, and commodity-linked businesses managing purchase orders, supplier credit, receivables, inventory, freight costs, FX exposure, and trade credit.
Construction And Project Businesses
Support for progress billing, retention, subcontractor payments, job-cost variance, milestone cash flow, change orders, mobilization costs, and project-level gross margin reporting.
Acquisition-Backed Companies
Post-close finance support for search fund buyers, independent sponsors, and newly acquired SMEs needing debt service tracking, working capital control, lender reporting, and board-grade management accounts.
Fractional CFO Services We Offer
13-Week Cash Flow Forecasting
Weekly receipts, payroll, VAT or sales tax timing, supplier payments, debt service, capex, customer deposits, owner distributions, and working capital movements mapped into a usable liquidity forecast.
Monthly Management Accounts
P&L review, balance sheet review, cash flow statement, variance commentary, accrual checks, revenue cut-off, deferred revenue, prepaid expenses, and month-end close discipline.
FP&A And Budgeting
Annual budget, rolling forecast, revenue bridge, gross margin bridge, headcount planning, overhead review, capex scheduling, downside cases, and budget variance analysis.
Working Capital Control
AR aging, AP run, inventory turns, purchase order discipline, supplier terms, customer credit limits, cash conversion cycle tracking, and payment prioritization.
Lender Reporting
Borrowing base certificates, covenant calculations, DSCR tracking, debt service schedules, aged receivables, inventory reporting, lender update packs, and facility compliance support.
Board And Investor Reporting
Board pack preparation, KPI dashboard, liquidity commentary, margin trends, pipeline conversion, operating variance, capex update, covenant status, and decision memo support.
Margin And Pricing Analysis
Contribution margin, customer profitability, landed cost analysis, project margin, freight leakage, supplier price variance, discounting behaviour, and minimum margin policy.
Finance Function Cleanup
Chart of accounts review, account reconciliations, close calendar, approval workflows, reporting hierarchy, bookkeeping handoff, document retention, and finance data room hygiene.
Transaction Readiness
Debt capacity review, lender memo inputs, normalized EBITDA support, refinancing preparation, acquisition model review, quality-of-earnings readiness, and diligence support.
Staffing And Finance Bench
Financely staffs fractional CFO mandates based on the client’s reporting burden, lender exposure, operating model, and transaction agenda. A simpler SME may need a senior CFO lead with analyst support. A company preparing for debt, refinancing, acquisition finance, investor review, or turnaround work may need a deeper finance bench.
Senior CFO Lead
Owns finance leadership, cash policy, reporting architecture, board pack commentary, lender communication, debt capacity review, monthly close oversight, and executive decision support.
FP&A Analyst
Builds rolling forecasts, revenue bridges, margin bridges, customer profitability analysis, KPI dashboards, budget variance reports, scenario cases, and management reporting models.
Controller-Level Support
Reviews month-end close quality, accruals, reconciliations, deferred revenue, prepaid expenses, intercompany balances, account mapping, and reporting consistency.
Debt And Treasury Support
Covers liquidity forecasting, borrowing base logic, covenant tracking, debt service planning, lender reporting, cash controls, and working capital funding gaps.
Our work sits above routine bookkeeping. We coordinate with your accountant, tax adviser, bookkeeper, payroll provider, or auditor while owning the management finance layer used by leadership, lenders, investors, and boards.
Pricing: USD 5,000 To USD 25,000 Per Month
Monthly pricing depends on reporting cadence, number of entities, accounting quality, weekly involvement, lender reporting, debt exposure, transaction work, finance team capacity, and board-facing or lender-facing deliverables.
Essential CFO
For SMEs needing cash visibility, monthly finance review, KPI tracking, basic forecast discipline, and senior finance support for management decisions.
Growth CFO
For companies needing monthly management accounts, FP&A, working capital control, board reporting, lender updates, margin analysis, and close discipline.
Transaction CFO
For companies preparing for debt, refinancing, acquisition finance, investor review, turnaround, multi-entity reporting, or lender diligence.
Scope Comparison
| Workstream | Essential CFO | Growth CFO | Transaction CFO |
|---|---|---|---|
| Cash Flow | Monthly liquidity review | 13-week rolling cash forecast | 13-week forecast with lender and transaction scenarios |
| Reporting | Monthly KPI and P&L review | Management accounts with variance commentary | Board pack, lender pack, covenant pack, and transaction reporting |
| FP&A | Budget support and basic forecasting | Rolling forecast, KPI dashboard, margin bridge | Scenario model, debt capacity review, acquisition or refinancing support |
| Working Capital | AR and AP review | Cash conversion cycle tracking and supplier terms review | Borrowing base analysis, liquidity controls, and lender reporting |
| Management Cadence | Monthly CFO call | Bi-weekly finance leadership support | Weekly CFO support with transaction and lender coordination |
Why Financely
Financely works across private credit, asset-based lending, trade finance, acquisition finance, commercial real estate debt, project finance, and structured credit. That background shapes how we run fractional CFO mandates. We focus on the numbers that lenders, investors, buyers, and boards test during real decision processes: liquidity runway, debt service capacity, gross margin integrity, working capital quality, covenant headroom, collateral coverage, and cash conversion.
Many SMEs already have accountants. The missing layer is often forward-looking finance leadership. Financely supplies that layer through lender-grade reporting, cash forecasting, financial controls, and decision support that management can use before liquidity, margin, or lender issues become expensive.
Request A Quote For Fractional CFO Services
Submit the essentials. Financely will review your company profile, finance issue, and expected monthly scope before quoting the appropriate engagement tier.
FAQs
How much do Financely’s fractional CFO services cost?
Monthly engagements range from USD 5,000 to USD 25,000 depending on scope, reporting cadence, entity complexity, lender exposure, and transaction requirements.
What does a fractional CFO do for an SME?
A fractional CFO provides senior finance leadership across cash flow forecasting, FP&A, management reporting, working capital control, lender reporting, budgeting, board packs, and transaction readiness.
Do we still need our accountant?
Yes. Your accountant or tax adviser should continue handling statutory accounts, tax filings, and compliance work. Financely focuses on management finance, forecasting, lender reporting, and executive decision support.
Can Financely help with lender reporting?
Yes. Financely can prepare lender update packs, covenant calculations, debt service schedules, borrowing base reporting, aged receivables summaries, inventory reporting, and liquidity commentary.
Is this suitable for companies preparing to raise debt?
Yes. The Transaction CFO tier is designed for companies preparing for debt placement, refinancing, acquisition finance, private credit review, bank underwriting, or investor diligence.
Financely provides corporate finance, structured finance, and fractional CFO advisory services. Tax filings, statutory audit, legal opinions, regulated accounting work, and regulated investment services should be handled by appropriately licensed professionals where required.
