Fractional CFO
The CFO your business needs.
The price tag it can actually afford.
You built something real. Your finances should be working as hard as you are. NerdyGirl's Fractional CFO service gives you C-level financial leadership without the C-suite salary. We become part of your team, bring the strategy, and help you make confident decisions about where your business is going.
What Your Dashboard Looks Like
Real Data. Real Decisions.
We build you a living financial dashboard — not a static spreadsheet. Here's a sample of what we track for every CFO client.
90-Day Forecast
Cash Flow Projection
+18% projected growth Q4 — on track for record quarter
YTD Performance
Revenue vs. Expenses
50% net margin — above industry benchmark of 32%
Monthly Scorecard
KPI Dashboard
Gross Margin
68.6%
+4.2%
Burn Rate
$18,400/mo
-12%
Runway
14 months
+2 mo
AR Days
22 days
-8 days
Revenue/Employee
$94,800
+11%
Tax Liability Est.
$31,200
On track
Budget Tracking
Budget vs. Actual
$25,350 under budget YTD — reallocating to growth initiatives
Real Results
What Our Clients Say About
Their NerdyCFO...
Allison Cease
CEO & President, IBeam Reconstruction, Inc.
ConstructionBefore I found NerdyGirls I was facing a hefty tax bill. I had been keeping my own books for 7 years, missed a few years, and was trying to catch up. When another CPA told me I would owe $125K in taxes and to basically suck it up, I knew I had to find another option. Thank goodness I found Michelle! She went through 5 years of data, cleaned up my books, set-up my depreciations, and saved me a whopping $100K in taxes. I don't make any financial decisions without checking with Michelle first.
Jonathan Jackson
Owner, Repertoire Productions, LLC
Business GrowthAs a small business owner, the day to day grind can be tough. Every minute I spend on bookkeeping and tax compliance is a minute I'm not spending on my ABC's (always be closing). The single best thing I ever did was call NerdyGirl, Inc and have them handle the compliance side. It used to take me about 2 months a year to deal with compliance. Now, with NerdyGirl, my compliance takes less than a business day.
David Spitz
Business Owner
CFO StrategyHaving Michelle as our fractional CFO changed how we run the business entirely. We finally have visibility into where our money is going, what our margins actually look like, and a real plan for growth. She doesn't just report on the past — she helps us build toward the future. Worth every penny.
Is This You?
Many businesses need a Fractional CFO sooner than they think. If any of these sound familiar, keep reading.
Are you making major business decisions based on gut feelings because your numbers never quite add up to a clear picture?
Do you feel like you're growing fast but have no idea if the business is actually profitable?
Are you spending more time trying to understand your financials than actually running your company?
Do you need help getting financing, negotiating with a bank, or preparing for a big decision, but have no idea where to start?
The Difference a Real CFO Partner Makes
Most business owners don't realize what they're missing until they have it.
Without a CFO
With NerdyGirl
Making major decisions based on gut feelings, not data
Every decision backed by clean, real-time financial data
Growing fast with no idea if the business is actually profitable
Clear profitability picture updated monthly
Spending weeks every year scrambling to get ready for taxes
Tax strategy built into your financial plan year-round
No visibility into cash flow until it becomes a crisis
Cash flow forecasted 90 days out — no more surprises
Hiring decisions made without financial modeling
Staffing cost models before you make the hire
No one in your corner when talking to a bank or lender
We prep you for bank conversations and make introductions
How It Works
Three steps from "my books are a mess" to "I actually understand my business"
We Learn Your Business
We start by getting to know your business the way a real financial partner would — your goals, your cash flow, your pain points, and the gap between where you are and where you want to be.
We Build Your Roadmap
We build a financial roadmap that actually makes sense for your business, not a cookie-cutter spreadsheet. We track the numbers that matter and flag the ones that should concern you.
We Stay in Your Corner
This is not a "report on what already happened" relationship. We focus on what's coming, help you plan for it, and stay with you as your business grows and changes. Forward-looking by design.
What We Offer
Comprehensive financial leadership across every area of your business
Cash Flow and Financial Planning
- Cash flow management and forecasting
- Budget preparation, monitoring, and reporting
- Treasury management and cash strategy
- Financial forecasting tied to your actual growth goals
Profitability and Strategy
- Cost reduction and profitability analysis
- KPI tracking and reporting that connects to decisions
- Strategic financial roadmap for short and long-term goals
- Tax saving strategies built into your financial planning
Business Decisions and Staffing
- Guidance on hiring decisions: 1099 vs. W-2, when to hire, when to hold off
- Consultant vs. employee analysis
- Staffing cost modeling as your team grows
Banking, Financing, and External Relationships
- Assistance getting financing and navigating bank negotiations
- Liaison with your bankers, attorneys, and insurance agents
- Preparation for loans, credit lines, and investor conversations
Operations and Controls
- Financial controls that protect your business and reduce the risk of theft
- Accounting staff training and management
- Software selection and implementation
- Systems that scale with your business, not against it