What Is a Fractional CFO (and When Do You Actually Need One)?
If you’ve ever felt like your business is too complex for a bookkeeper but not quite ready to hire a full-time CFO… you’re not alone. That’s exactly where fractional CFO services come in.
At Certum Solutions, we specialize in helping growth-stage businesses make smarter, faster decisions by bringing in the right level of financial strategy at the right time.
WHAT IS A FRACTIONAL CFO?
A fractional CFO is a part-time or project-based financial executive who provides high-level strategy, forecasting, and financial operations support without the overhead of a full-time salary.
They can help you:
• Understand and manage cash flow
• Improve profit margins
• Model different growth scenarios
• Optimize pricing
• Prepare for investors or expansion
• Guide major decisions with real numbers
Think of it as having a financial co-pilot, not just a record-keeper.
WHEN DO YOU NEED ONE?
You probably need a fractional CFO if:
✅ You’ve passed $750K–$1M in revenue and can’t “wing it” anymore
✅ You’re scaling your team, locations, or operations
✅ You’re entering a new funding or expansion phase
✅ Your current reports leave you more confused than confident
✅ Your pricing or margins feel off, but you’re not sure why
✅ You’ve got too many tools—and none of them talk to each other
BOOKKEEPER VS CPA VS FRACTIONAL CFO (Use Accordion Drop Down Below)
-
Focus:
Records and categorizes transactions
When You Need Them:
Always -
Focus:
Tax Prep and ComplianceWhen You Need Them:
Year-end, Filing, Audit support -
Focus:
Strategy, growth, margin controlWhen You Need Them:
When you’re scaling or stuck
Here’s the kicker: Certum bridges all three. We partner with your CPA, clean your books, AND help you grow.
WHY CERTUM
Certum is built differently. We don’t just give you numbers, we actually take the time to show you what they mean, how they flow, and how to use them to grow.
We Are…
• Time-audited
• Platform-agnostic
• Obsessed with making your business run smoother than ever
Certum Solutions offers a FREE 30 min consultation, book yours today
Click to book a free consultation. Hassle free, no commitment: https://www.certumsolutions.com/book-consultation
Email: help@certumsolutions.com
Office: 980-210-6946