FRACTIONAL CFO SERVICES

A Fractional CFO gives your business executive-level financial leadership without the cost, risk, or rigidity of a full-time hire.

With Certum Solutions, Fractional CFO services provide:

• Lower cost, higher impact
  Access senior financial strategy, forecasting, and decision support at a fraction of the cost of a salaried CFO with benefits and equity.

• Flexible, right-sized support
  Scale CFO involvement up or down as your business evolves; ideal for growing companies managing changing cash flow, margins, or operational complexity.

• Broader experience across systems and industries
  Our Fractional CFOs work with ecommerce, manufacturing, construction, and professional services businesses; bringing cross-industry insight and best practices into your financial strategy.

• Objective, data-driven guidance
  As an external advisor, your Fractional CFO delivers unbiased recommendations grounded in clean financial data; not internal politics or legacy habits.

• Built on accurate accounting and systems
  Unlike standalone CFO consultants, Certum combines Fractional CFO strategy with accounting oversight, ERP alignment, and real-time reporting, ensuring decisions are based on reliable numbers.

Hiring a full-time CFO too early can strain cash flow, limit flexibility, and introduce long-term risk if the hire isn’t the right fit. Fractional CFO services allow you to get the strategic leadership you need—when you need it—without overcommitting.

Certum Solutions’ Fractional CFO services are led by senior accounting and finance professionals with deep experience across:

• Financial strategy and forecasting

• Cash flow optimization and profitability analysis

• Financial reporting and KPI development

• ERP and accounting system oversight

• Growth planning, operational scaling, and advisory support

Our team blends accounting expertise with real-world operational experience, allowing us to support both strategic planning and execution.

What sets Certum apart is our systems-first CFO approach. Your Fractional CFO doesn’t just advise; they ensure your accounting tools, ERP systems, and reporting workflows are structured to support informed decision-making.

You’re not relying on a single individual, you’re gaining access to a collaborative advisory team that understands finance, technology, and operations working together.

Every engagement starts with a CFO-level assessment, not a one-size-fits-all package.

We evaluate:

• Financial statement accuracy and structure

• Cash flow visibility and forecasting processes

• Reporting, KPIs, and decision-making gaps

• Accounting software, ERP, and system integrations

• Short and long-term business goals

From there, we design a custom Fractional CFO scope focused on the highest-impact areas, so you’re not paying for services you don’t need or aren’t ready for.

As your business grows, we continuously adjust the level of CFO support, ensuring your financial strategy evolves alongside your operations, systems, and leadership needs.

Our goal is simple: deliver clarity, control, and confidence in your financial decisions.

Effective KPIs should drive decisions, not just fill reports.

At Certum Solutions, KPI development is a collaborative, strategy-led process:

• Industry-relevant benchmarks
  We start with proven financial and operational metrics relevant to your industry and business model.

• Business-specific insight
  We analyze where your business is winning, where margins are tightening, and where inefficiencies exist; then tailor KPIs to those realities.

• Direct alignment to financial goals
  Every KPI ties back to cash flow, profitability, scalability, or risk reduction; ensuring metrics support real outcomes, not vanity reporting.

• Clear, actionable reporting
  KPIs are delivered through dashboards and financial reports that leadership can actually use to guide decisions.

Your Fractional CFO ensures you’re tracking the right numbers, at the right level of detail, at the right time.

Certum Solutions is uniquely positioned at the intersection of financial strategy, accounting accuracy, and business systems.

Our Fractional CFO services are ideal for businesses that want:

• Strategic financial leadership grounded in clean data

• CFO guidance aligned with accounting and ERP systems

• Scalable support without long-term overhead

• Clear visibility into cash flow, margins, and performance

We don’t just advise; we help build the financial foundation that supports confident growth

No. Accountants record and report past activity. A Fractional CFO focuses on strategy, planning, and future decisions.

Engagements are customized. Most clients receive ongoing leadership support scaled to their needs.

No. We work with your accounting team or outsourced providers to elevate financial performance. If you need an accounting team, check out our outsourced accounting services here.

Absolutely. We build integrated dashboards that pull data from accounting, CRM, and operational tools to show you the full picture in real time.

Yes, we support clients nationwide remotely. On-site visits are available for select engagements.

Yes, if you’re ready for deeper insights. A CFO builds forecasts, analyzes performance, and creates strategies your bookkeeper or accountant then executes..

When your financials are growing more complex — or you need better visibility for decision-making — a Fractional CFO can bridge the gap between bookkeeping and executive strategy.