Consulting & Fractional CFO
CFO-level guidance, built on clean books and smart tax strategy
Most growing businesses don't need a full-time CFO, but they do need someone who truly understands their numbers. Led by Isaac Mohammed, CPA, EA, our fractional CFO services bring your bookkeeping, your taxes, and your financial strategy together under one advisor, so every decision is made with the full picture.
We've served as fractional CFO and controller for manufacturers, retailers, and contractors, helping owners improve cash flow, profitability, and lender relationships.
Why one advisor makes the difference
Clean books first
CFO advice is only as good as the numbers behind it. We make sure your books are accurate before we build on them.
Tax built into every decision
Hiring, buying equipment, paying yourself, or expanding? We show you the tax impact before you decide.
No gaps between advisors
Your bookkeeper, tax preparer, and financial advisor are the same team, so nothing falls through the cracks.
Our services
Jump to a service area below.
Financial planning and forecasting
Turn your goals into a plan, and know where your business is headed before you get there.
Budgeting
Annual budgets built around your goals, not just last year's numbers.
- Master, department, and capital budgets
- Incremental or zero-based budgeting
- Budgets tied to your sales and hiring plans
Rolling and flexible forecasts
Forecasts that update as your business changes.
- 12-month rolling forecasts
- Flexible budgets that adjust to actual activity
- Monthly re-forecasting
Scenario and sensitivity analysis
See the impact of a decision before you make it.
- Best, expected, and worst case scenarios
- What-if modeling for price, volume, and costs
- Risk and uncertainty analysis
Long-term projections
Multi-year financial projections for planning, lenders, and investors.
- 3 to 5 year projected financial statements
- Growth and expansion models
- Funding needs and timing
Cash flow and working capital
Profit on paper doesn't pay the bills. We help you manage the cash that keeps your business running.
Cash flow forecasting
Know your cash position weeks and months ahead.
- 13-week and 12-month cash forecasts
- Seasonal cash planning
- Early warning for cash shortfalls
Receivables management
Get paid faster and reduce bad debt.
- Credit terms and collection policies
- Aging reviews and follow-up processes
- Invoicing and deposit strategies
Payables and inventory
Keep cash in the business longer without hurting vendor relationships.
- Vendor terms and payment timing
- Inventory levels, turnover, and reorder points
- Cash conversion cycle analysis
Debt and liquidity
Use debt wisely and stay ahead of your obligations.
- Debt schedules and repayment planning
- Liquidity and leverage ratio monitoring
- Line of credit and loan planning
Costing and pricing
Know what everything really costs, so you can price for profit and bid with confidence.
Job costing
For contractors and project-based businesses.
- Labor, materials, and overhead by job
- Estimate vs. actual job reviews
- Work-in-progress tracking
Product and process costing
For manufacturers, food producers, and retailers.
- Cost per unit and batch
- Recipe and bill of materials costing
- Waste and yield analysis
Overhead and activity-based costing
Assign overhead to the products and customers that actually drive it.
- Overhead allocation methods
- Activity-based costing (ABC)
- Absorption vs. variable costing for decisions
Pricing strategy
Prices built on real margins and market position.
- Cost-plus and target pricing
- Margin and markup analysis
- Quote and bid pricing tools
Performance reporting and analysis
Clear, regular reporting that shows how your business is really doing and what to do next.
Monthly management reports
Owner-ready reports delivered every month.
- Profit and loss, balance sheet, and cash flow
- Plain-language commentary
- Trends month over month and year over year
KPI dashboards
The handful of numbers that matter most to your business.
- Custom KPIs by industry
- Visual dashboards
- Targets and alerts
Variance analysis
Budget vs. actual, explained.
- Sales price and volume variances
- Material, labor, and overhead variances
- Root causes and corrective actions
Profitability analysis
Find out where you really make money.
- Profit by product, service, customer, or location
- Channel analysis (wholesale vs. retail)
- Contribution margin reporting
Ratio analysis
Measure the financial health of your business.
- Liquidity, leverage, efficiency, and profitability ratios
- Industry benchmarking
- Lender covenant monitoring
Balanced scorecard
Track performance beyond the numbers.
- Financial, customer, process, and growth measures
- Goals tied to your strategy
- Quarterly performance reviews
Decision support
Clear analysis for the big and small decisions every business owner faces.
Break-even and profit planning
Know how much you need to sell to cover costs and hit your profit goals.
- Break-even point and margin of safety
- Cost-volume-profit (CVP) analysis
- Target profit planning
Make-or-buy and outsourcing
Should you do it in-house or hire it out?
- Relevant cost analysis
- Capacity and quality considerations
- Outsourcing cost comparisons
Special orders and product lines
Decide what to accept, add, or drop.
- Special order and one-time pricing
- Adding or dropping products, services, or locations
- Limited capacity and bottleneck analysis
Capital investment analysis
Evaluate big purchases and expansion with confidence.
- Payback period
- Net present value (NPV) and internal rate of return (IRR)
- Lease vs. buy analysis
Business structure, planning, and tax strategy
Because we also handle your books and taxes, every recommendation includes the tax impact.
Entity selection and restructuring
The right structure for your goals and your taxes.
- Sole proprietor, LLC, S corporation, or C corporation
- Business formation and EIN setup
- Converting or restructuring as you grow
Owner pay and tax-smart decisions
Plan the moves that affect your tax bill.
- Reasonable compensation for S corporation owners
- Timing of equipment purchases and depreciation
- Retirement plan options for owners
Business plans
A clear roadmap for launching, growing, or turning things around.
- Start-up, expansion, and acquisition plans
- Start-up capital needs and funding sources
- Marketing, staffing, and financial plans
Lender and investor support
Be ready when you need financing.
- Loan application financial packages
- Projections and supporting schedules
- Ongoing lender reporting
Controller services and financial systems
The day-to-day financial foundation every growing business needs.
Month-end close
A consistent, on-time close every month.
- Close checklists and calendars
- Reconciliations and adjusting entries
- Review of bookkeeping accuracy
Internal controls
Protect your business from errors and fraud.
- Approval and payment procedures
- Segregation of duties for small teams
- Cash handling and access controls
Accounting systems
Set up your systems to give you the reports you need.
- QuickBooks, Xero, and Zoho Books setup and migration
- Chart of accounts designed for management reporting
- Integrations with payroll, POS, and banking
Process improvement
Save time and reduce costs in your finance operations.
- Workflow and automation reviews
- Billing and collections processes
- Payroll and expense management
Ways to work with us
Project-based
A one-time project with a clear scope.
- Annual budget or forecast
- Pricing or costing study
- Business plan or lender package
Monthly fractional CFO
Ongoing CFO support, scaled to your needs.
- Monthly reporting and KPI review
- Updated forecasts
- Regular planning meetings
Complete finance team
Bookkeeping, taxes, and CFO services together, under one advisor.
See our bookkeeping servicesHow it works
Free consultation
We talk about your business, your goals, and what's keeping you up at night.
Financial review
We review your books, tax position, and current reporting.
Your CFO roadmap
We set priorities, key numbers to track, and a reporting schedule.
Ongoing partnership
Monthly reports, updated forecasts, and a regular meeting to plan ahead.
Who we work with
- Growing small and mid-size businesses
- Manufacturers and food producers
- Retail and multi-location businesses
- Contractors and trades
- Professional and medical practices
- Startups and new ventures
Common questions
What is a fractional CFO?
A fractional CFO is an experienced financial leader who works with your business part-time. You get CFO-level planning, analysis, and advice without the cost of a full-time executive.
How is this different from bookkeeping?
Bookkeeping records what already happened. CFO services use those numbers to plan what happens next: budgets, forecasts, pricing, cash flow, and decisions about growth.
Does my business need a CFO?
If you're growing, struggling with cash flow, unsure which products or jobs are profitable, seeking financing, or making big decisions without clear numbers, CFO support can make a real difference.
How often will we meet?
Most clients meet monthly to review reports and plan ahead, with more frequent check-ins during busy periods or big decisions. We'll set a schedule that fits your needs.
How much does it cost?
It depends on the size of your business and the services you need. After a free consultation, we'll recommend a scope and give you a clear quote, with project-based and monthly options.
Get a clear view of your numbers
Book a free consultation to see how fractional CFO support can help your business grow.