Fractional CFO
Financial leadership without a full-time CFO.
Get deeper visibility into cash flow, profitability, budgets, forecasts, and the decisions shaping your business, with a financial partner who stays involved.
FirstFruits works alongside owners, leadership teams, bookkeepers, and accounting staff to turn financial information into better business decisions.
12 Month Outlook
Cash Position & Forecast
Cash Runway
0.0mo
Forecast Net
+0%
In Short
What is a fractional CFO?
A fractional CFO is an experienced financial leader who works with a business part time. FirstFruits Financial offers fractional CFO services starting at $1,500 per month.
FirstFruits CFO work covers cash flow forecasting, budgeting, pricing, financing preparation and growth planning. Most CFO clients also use FirstFruits for bookkeeping, so advice is based on numbers the same team keeps accurate.
- CFO Advisory
- From $1,500 per month
- Growth CFO
- From $2,500 per month
- Strategic CFO
- From $4,000 per month
- Works with
- Your existing CPA
From Reporting to Decision Making
Knowing what happened is only the beginning.
Bookkeeping tells you where the business has been. Fractional CFO support helps you understand where it is going, and what financial decisions may need to happen next.
Where it has been
Q3 Profit & Loss
Where it is going
Q4 Financial Plan
A FirstFruits Fractional CFO can help when you're asking
- ?Can we afford to hire?
- ?Why is revenue growing but cash isn't?
- ?Which part of the business is actually profitable?
- ?How much cash should we keep available?
- ?Are expenses growing too quickly?
- ?Can we afford another location?
- ?What happens if revenue drops 15%?
- ?How should we budget for the next year?
- ?Can the business support additional debt?
- ?What numbers should management actually be watching?
Financial Leadership Built Around Your Business
What your Fractional CFO can handle.
Cash Flow Management
Understand how cash moves through the company and what could affect liquidity ahead.
Support can include
- Cash-flow analysis
- Short-term cash planning
- Cash reserve planning
- Working-capital review
- Receivable and payable impact
- Cash-flow forecasting
Scenario Modeling
“What happens if we do this?”
Try it on a sample business. Your CFO builds these models on your real numbers before the decision gets made.
New hires
Projected Annual Impact
Tight, plan aheadRevenue
$1.53M
Net Income
$107k
Net Margin
7.0%
Net income moves -$157k versus today. A CFO would then ask what it does to cash, staffing, and timing before anything changes.
Ongoing, Not Once a Year
A CFO relationship should stay close to the business.
Here is what working with a FirstFruits Fractional CFO looks like, from the first conversation to the recurring rhythm that keeps leadership ahead of the numbers.
- 01
Understand the business
We start with the company's financial structure, goals, current reporting, existing team, systems, and current challenges.
- 02
Establish the financial picture
We review the books, reporting, cash position, margins, obligations, and other information needed to understand where the business stands.
- 03
Build the financial framework
Depending on the engagement, this may include:
BudgetsForecastsKPI dashboardsCash-flow modelsManagement reportsFinancial targets - 04
Meet regularly
Fractional CFO engagements include recurring financial strategy meetings.
The focus isn't simply
“Here's your P&L.”
It's
“Here's what changed, why it matters, and what we need to consider next.”
- 05
Stay involved
As new questions arise, FirstFruits remains part of the financial conversation.
We Don't Have to Replace Your Team
Keep the accounting team you already have.
FirstFruits can work above and alongside your existing team. Your staff continues handling the day-to-day accounting while your Fractional CFO focuses on oversight, planning, and the decisions that shape the business.
Add CFO Support to My TeamStrategic Layer
FirstFruits Fractional CFO
Day-to-Day Layer
Your Existing Team
Need More Than a CFO?
FirstFruits can support the entire financial stack.
- L1
Monthly Bookkeeping
Accurate, reconciled books
- L2
Financial Operations
A/P, A/R, and invoicing
- L3
Reporting & Avanti
Visibility in one workspace
- L4
Fractional CFO
Planning and financial leadership
You don't necessarily need
- One bookkeeping company
- Another person handling A/R
- Another consultant building forecasts
- And another CFO
FirstFruits can take on the level of financial responsibility the business needs.
Fractional CFO Pricing
Priced by involvement and complexity, not transaction volume.
Fractional CFO services may be added to FirstFruits bookkeeping or provided independently alongside your existing accounting team.
CFO Advisory
For businesses that need recurring financial guidance without extensive day-to-day CFO involvement.
Can include
- Monthly CFO meeting
- Financial statement review
- Cash-flow review
- Core KPI reporting
- Budget monitoring
- Financial questions and decision support
- Avanti access
Growth CFO
For growing companies that need more active financial planning and leadership.
Everything in CFO Advisory, plus
- Monthly forecasting
- Detailed cash-flow planning
- Budget development
- Profitability analysis
- KPI development
- Management reporting
- Scenario modeling
- Growth and hiring analysis
- Ongoing management support
Strategic CFO
For companies needing deeper financial involvement and more frequent leadership support.
Can include
- Advanced forecasting
- Multi-entity oversight
- Department and location analysis
- Financing preparation
- Complex scenario modeling
- Expansion analysis
- Leadership reporting
- Strategic planning
- More frequent CFO access
- Custom financial models
Custom CFO Engagements
Custom pricingFor complex organizations, larger companies, acquisitions, restructurings, or highly involved CFO relationships.
Final pricing depends on business size, financial complexity, number of entities, reporting requirements, meeting frequency, forecasting needs, and the level of ongoing CFO involvement.
Powered by Avanti
Your CFO shouldn't be working from a report you haven't seen.
FirstFruits uses Avanti to bring reporting, financial visibility, documents, and business insights into the client experience.
Cash Position
$0k
Revenue & Profitability
KPIs
- Gross Margin58.4%
- A/R Days31
- Labor %27.1%
Insight Labor cost rose 4.2% faster than revenue this quarter. Flagged for your next CFO meeting.
Business Snapshot
High-level financial position and performance.
Cash Position
Current liquidity and important cash trends.
Revenue & Profitability
How performance changes over time.
KPIs
Key financial metrics, always visible.
Forecasts & Trends
Historical results alongside forward-looking planning.
AI-Assisted Insights
Changes and patterns surfaced, with human analysis behind the decisions.
AI surfaces.Humans interpret.Management decides.
See How FirstFruits WorksCFO Support by Industry
Financial strategy looks different in every business.
Real Estate
Portfolio performanceProperty cash flowDebtAcquisitionsEntity-level reportingProperty Management
Door-level economicsManagement marginsPayrollStaffingOperating cash flowConstruction
Job profitabilityProject cash flowOverheadReceivablesEquipmentWorking capitalRestaurants
Food and labor costsMarginsCash flowLocation performanceExpansionProfessional Services
UtilizationMarginsPayrollRecurring revenueHiringClient concentrationHome & Field Services
Crew costsJob profitabilityPricingEquipmentExpansionCash planning
Tax Strategy Coordination
Accounting, CFO, and tax strategy should connect.
FirstFruits does not prepare taxes. When CFO decisions have tax implications or the business needs tax planning, preparation, or payroll, we recommend our partner, Elite Taxation, or work with your own CPA. Your CFO can identify financial questions that should involve the tax team without trying to turn FirstFruits into the tax firm.
Fractional CFO FAQ
Working with a fractional CFO, answered.
Pricing, process, software and more in one place.
See All FAQsHow often will we meet?
Meeting cadence depends on your plan and needs. Most engagements include regular financial reviews, with more frequent working sessions during planning seasons, fundraising or major decisions.
Do my books need to be accurate before starting CFO work?
Yes. Forecasts and recommendations are only as reliable as the numbers behind them. If your books need work, we start with cleanup or monthly bookkeeping and build CFO support on top.
Can a fractional CFO help me get a loan or raise capital?
Yes. We prepare the financial statements, forecasts and models lenders and investors expect, and help you understand how much you can responsibly borrow.
Will you replace my CPA?
No. Your CPA handles tax and compliance. We work alongside them on planning, cash flow and decisions throughout the year.
Where we work
Based in Miami, FL. Serving businesses nationwide.
Ready for Someone to Think About the Numbers With You?
Add financial leadership to your team.
Whether you're building your first real budget, trying to understand cash flow, preparing for growth, or already managing a complex company, FirstFruits can build a Fractional CFO relationship around what your business actually needs.