What's Included

YOUR CFO,
PART-TIME

A fractional CFO gives your business access to executive-level financial leadership on a flexible, monthly basis. We handle the strategic side of your finances — the stuff that drives growth, protects cash, and positions you to make smart decisions.

This is not bookkeeping. This is forward-looking financial leadership: forecasting where you're going, identifying problems before they happen, and giving you a clear financial roadmap for the next quarter, the next year, and beyond.

Monthly cash flow forecasting (13-week and annual)
Annual budget creation and quarterly re-forecasting
KPI dashboard setup and monthly reporting
Profitability analysis by product, service, or job
Pricing strategy review and margin analysis
Growth planning and scenario modeling
Loan and funding preparation (SBA, bank, investors)
Weekly or bi-weekly advisory calls
Direct access to your CFO — not a call center

Who This Is For

SIGNS YOU NEED
A FRACTIONAL CFO

You don't need a full-time CFO to benefit from CFO-level thinking. Most small businesses hit a point where the financial questions get bigger than "are the books clean?" and that's exactly when a fractional CFO earns their fee many times over.

You're growing fast but don't know if you can sustain it — or afford to hire the next person.

You have revenue but can't figure out why cash is always tight.

You're preparing to apply for a business loan, line of credit, or SBA financing.

You don't have a formal budget and you're making financial decisions by gut feel.

You want to know which of your services or clients is actually most profitable.

You're planning a major investment — equipment, location, staff — and need the numbers to support it.

The Cost Comparison

FRACTIONAL CFO VS.
FULL-TIME CFO

The median salary for a full-time CFO in the U.S. is $300,000–$400,000 per year — before bonuses, benefits, and equity. Most small businesses can't justify that cost, and shouldn't have to. A fractional CFO delivers the same strategic expertise at a fraction of the investment.

Option	Monthly Cost	Strategic Guidance	Availability	Commitment
Full-Time CFO	$25,000–$35,000+	Yes	Full-time	Salary + benefits + equity
CPA Firm	$500–$2,000	Tax focus only	Reactive	Hourly or annual retainer
DIY (Owner)	Your time	Limited	Sporadic	Opportunity cost
Blackline Fractional CFO Best Value	Included in Scale plan	Yes — proactive	Monthly + on-call	Month-to-month

How We Work Together

THE FRACTIONAL CFO ENGAGEMENT

01

Financial Assessment

We start with a deep review of your current financials, cash position, margins, and existing reporting. We identify the biggest gaps and opportunities immediately.

02

Build Your Foundation

We create your budget, set up your KPI dashboard, and build a 12-month cash flow forecast. You'll have the financial infrastructure most small businesses never have.

03

Ongoing Advisory

We meet regularly — weekly or bi-weekly — to review performance against plan, address emerging issues, and help you make high-stakes financial decisions with confidence.

Common Questions

FRACTIONAL CFO FAQs

What does a fractional CFO actually do?

A fractional CFO provides the strategic financial guidance that a full-time Chief Financial Officer would — cash flow management, budgeting, forecasting, financial analysis, and executive-level decision support — on a part-time or monthly basis. Unlike a bookkeeper who records what happened, a fractional CFO focuses on what's going to happen and how to prepare for it.

How is a fractional CFO different from my CPA?

Your CPA is primarily focused on taxes and compliance — making sure you file correctly and minimize your tax liability. A fractional CFO is focused on the operating performance of your business: cash flow, profitability, growth strategy, and financial decision-making. The two roles complement each other — a fractional CFO actually makes your CPA's job easier by delivering clean, well-organized financials at year-end.

How much does a fractional CFO cost?

At Blackline Financial, fractional CFO services are included in our Scale plan alongside bookkeeping and payroll. This is a significant cost advantage over hiring a standalone fractional CFO, where fees typically run $3,000–$7,500/month. Contact us for specific pricing based on your business size and needs.

Is my business too small for a fractional CFO?

If your business generates $500K or more in annual revenue, you almost certainly have the financial complexity to benefit from fractional CFO guidance. Many of our clients are under $3M in revenue — small enough that a full-time CFO would be absurd, but large enough that financial decisions have real consequences. That's exactly the gap a fractional CFO fills.

Do I need to be in Phoenix?

No. Our fractional CFO clients are across the country. All advisory calls are conducted remotely. If you're in the Phoenix area and prefer in-person meetings, we can accommodate that — but it's never required.

Serving Phoenix & Beyond

FRACTIONAL CFO SERVICES IN PHOENIX, AZ

Blackline Financial provides fractional CFO services to small businesses throughout Phoenix, Scottsdale, Tempe, Chandler, Mesa, and Gilbert — and to growing businesses across the United States. Phoenix's economy is one of the fastest-growing in the country, and the businesses fueling that growth — in construction, healthcare, technology, professional services, and real estate — are exactly the businesses that benefit most from fractional CFO guidance.

If you're a Phoenix small business owner who's been making financial decisions without a real strategic partner, Blackline Financial is ready to change that. We bring CFO-level thinking to your business every single month — and we stay with you as you grow.

FractionalCFOServices

YOUR CFO,PART-TIME

SIGNS YOU NEEDA FRACTIONAL CFO

FRACTIONAL CFO VS.FULL-TIME CFO