Strategic Financial Leadership.
Built on Numbers You Can Trust.
CPA-led fractional CFO services for Canadian businesses between $2M and $100M — budgeting, cash flow forecasting, and board-ready analysis without a $200K+ full-time hire. And because strategy is only as good as the numbers behind it, we make sure your close and reporting are solid first.
Fixed monthly retainer — a fraction of a full-time CFO · No lock-in · Serving clients across Canada
Your fractional CFO in Canada — for the hours you actually need.
A fractional CFO is a senior CPA who works with your organization part-time, providing the financial leadership of a full-time CFO at a fraction of the cost: annual budgets, rolling forecasts, cash flow management, and the analysis behind major decisions. Unlike a bookkeeper or tax accountant, the role is forward-looking — focused on where your business is going, not just where it has been.
For most Canadian businesses between $2M and $100M, a full-time CFO isn’t justified — but CFO-level insight is. A fractional CFO is often the most cost-effective path to it.
Strategy Starts With Reliable Numbers
The most common reason forecasts and board reports fail isn’t the analysis — it’s late, inaccurate, or manually assembled data underneath. That’s why every CFO engagement starts by confirming your close and reporting are solid. Where they aren’t, we fix that first through our fractional controller service, then build CFO-level insight on top.
What your fractional CFO delivers.
Strategic Planning & Projections
Multi-year financial plans, scenario modelling, and projections for growth, hiring, and capital decisions — built on the budget and monthly analysis your controller maintains. Read our guide to budgeting and financial analysis.
Cash Flow Forecasting
A 13-week rolling cash flow forecast and working capital plan, so a shortfall never comes as a surprise.
Board & Leadership Reporting
A concise monthly or quarterly package — budget vs. actual, variance commentary, margins, and KPIs — that leadership and the board can act on.
Lender & Funding Readiness
Projections and financial packages for bank financing, covenant reporting, and funding applications — prepared to the standard lenders and funders expect.
Margin & Pricing Analysis
Profitability by product, service, customer, or location — so you know what actually makes money and can price accordingly.
Strategic Advisory
A trusted CPA sounding board for pricing, hiring, expansion, and capital allocation decisions — backed by your own numbers.
Three ways to engage — start where you are.
1. Close & Control
Monthly close, reconciliations, financial statements, bookkeeper oversight, and internal controls. The foundation every forecast depends on.
2. Close + Budgeting & Analysis
Everything in Close & Control, plus the annual budget, monthly budget vs. actual with variance commentary, automation, and a reporting package. Learn about our controller services.
3. Controller + CFO Insights
Everything above, plus multi-year planning, scenario modelling, financing and cash strategy, and board-level advisory. Full CFO-level support on a reliable foundation.
Not sure which level you need? Start with a fixed-fee finance review (2–3 weeks): we assess your close, reporting, and planning, and tell you honestly what your organization actually needs.
You might need a fractional CFO if…
Fractional CFO questions we’re asked most.
What does a fractional CFO do?
A fractional CFO provides senior financial leadership on a part-time basis: multi-year planning and forecasting, cash flow and financing strategy, board and lender reporting, and the financial modelling behind major decisions — building on the budget and monthly analysis a controller maintains. The role is forward-looking — focused on where the organization is going, not only on recording where it has been.
How much does a fractional CFO cost in Ontario and Canada?
Our engagements are fixed monthly retainers scaled to the size and complexity of your organization, with no lock-in — you will know the exact monthly fee before you commit. By comparison, a full-time CFO in Canada typically commands $180,000 to $250,000 in base salary before benefits and equity — and most businesses under $50M don’t have forty hours a week of genuine CFO-level work.
Fractional CFO or fractional controller — which do I need?
A controller owns accuracy and performance tracking: the close, financial statements, internal controls, the annual budget, and monthly variance analysis. A CFO owns direction: multi-year planning, financing, cash strategy, and major strategic decisions. Most organizations need the controller layer working first — forecasts built on late or inaccurate numbers mislead rather than help. We offer both and will tell you honestly which one you need now.
When is the right time to bring in a fractional CFO?
Usually six to twelve months before you feel the pressure — ahead of a financing request, an expansion, or a period of rapid growth. By the time a cash crunch lands or a bank meeting goes badly, the options are narrower and more expensive.
How quickly can you start?
Typically within one to two weeks of an initial conversation, compared with three to six months to recruit a full-time CFO. Where there is a deadline — a financing application, a departure, or a year-end — we can usually move faster. We work with clients across Canada, remotely and on-site when it adds value.