Virtual CFO Services for Growing US Businesses Senior Finance Leadership, Part Time
Virtual CFO services that turn your numbers into decisions. Cash flow forecasts, budgets, KPIs and a monthly review with a senior finance lead, for a fraction of the cost of a full time hire.
- 13 week cash forecastUpdated every week
- Monthly CFO reviewNumbers into decisions
- Lender readyBudgets and projections
Big Accountants provides virtual CFO services to US businesses that have outgrown basic bookkeeping but do not need a full time chief financial officer. You get a senior finance lead who plans cash, sets budgets, tracks the numbers that matter and sits down with you every month to decide what happens next.
A virtual CFO, also called a fractional or outsourced CFO, works part time and remotely, on a schedule that fits your stage. The work rests on accurate monthly books, which our outsourced bookkeeping team can provide, so the forecasts start from numbers you can trust.
- Cash flow forecast and minimum cash plan
- Annual budget and rolling forecast
- KPI dashboard and monthly management pack
- Lender, investor and board reporting
- Pricing, margin and scenario analysis
Why Growing Businesses Need CFO Level Support
Revenue growth does not guarantee profit or cash. Federal Reserve survey data shows how many US businesses are working without that margin of safety.
What Our Virtual CFO Services Include
Scope is set around your goals for the next twelve months and written into your engagement letter.
Cash flow forecasting
A rolling 13 week forecast and a twelve month cash plan.
Budgets and forecasts
An annual budget, reforecast as the year unfolds.
KPI dashboard
The handful of numbers that actually drive your business.
Management pack
Monthly results, variance to budget and plain commentary.
Pricing and margins
Product, customer and job profitability, with pricing decisions.
Financing support
Projections and reporting for lenders, investors and boards.
Scenario planning
Hiring, expansion and downside cases modeled before you commit.
Controls and close oversight
Month end close review, reconciliations and internal controls.
Signs You Need a Virtual CFO
If two or more of these sound familiar, part time CFO support will likely pay for itself in better decisions.
- Sales are growing but cash always feels tight
- You cannot say which products or customers make money
- A lender or investor has asked for projections
- You are planning a hire, location or major purchase
- Your reports arrive, but nobody explains what they mean
- You have no budget, or never compare results to it
How Our Virtual CFO Engagements Work
A structured start, then a steady monthly rhythm built around one review meeting.
- Weeks 1 to 2
Diagnose
We review your books, margins, cash cycle and goals, and agree the priorities.
- Weeks 3 to 6
Build
Cash forecast, budget, KPI dashboard and management pack are set up.
- Every month
Review
A CFO meeting on results, cash and the decisions in front of you.
- Every quarter
Plan
Reforecast, scenario review and an updated plan for the next quarter.
Books not up to date? We start with catch up bookkeeping, because a forecast is only as good as the numbers under it.
Bookkeeper vs Controller vs Virtual CFO
Three different jobs. Most growing businesses need all three, at different levels of time.
| Factor | Bookkeeper | Controller | Virtual CFO |
|---|---|---|---|
| Main question | What happened? | Is it right and complete? | What should we do next? |
| Time focus | Past transactions | Current month close | The next 3 to 24 months |
| Key outputs | Recorded and reconciled books | Closed month, controls, accurate statements | Forecasts, budgets, KPIs and decisions |
| Works with | Bank feeds, bills and invoices | The bookkeeping team and auditors | Owners, lenders, investors and boards |
| Typical cadence | Daily and weekly | Monthly close | Monthly review, quarterly plan |
Big Accountants provides all three levels through one team, so the CFO works from books the controller has already checked.
A Senior Hire
- Salary, bonus, benefits and often equity
- A long search and onboarding period
- Full time cost even in quieter months
- Right when finance is a daily, complex function
Virtual CFO Services, Sized to Your Stage
- Senior finance lead for the hours you need
- Up and running in weeks, not months
- Scale up for fundraising, down when settled
- Backed by a bookkeeping and controller team
Virtual CFO Services Pricing
Price depends on the hours you need, the number of entities, reporting depth and whether fundraising or lender work is involved. Every quote is fixed in writing after a free call, and our pricing is competitive. See how our pricing models work.
Fixed monthly fee
Ongoing CFO support
Forecasts, KPIs and a monthly review for an agreed fee.
Hourly
Advice when you need it
Ad hoc questions, board meetings and planning sessions.
Per task
Defined projects
A lender pack, annual budget or financial model at a set price.
Industries and Software We Support
Our CFO team works with US businesses in these sectors, using the platforms they already run.
- Ecommerce
- Healthcare
- Retail
- Wholesale
- Manufacturing
- Restaurants
- Construction and contractors
- Real estate and property management
- Accounting firms
- QuickBooks Online
- QuickBooks Desktop
- Xero
- Zoho Books
Build the Finance Function Around Your CFO
Outsourced bookkeeping
Reconciled books every month, ready for forecasting.
Accounts payable
Bills paid on time, with fraud controls.
Accounts receivable
Faster collections and weekly DSO reporting.
Pricing
How our three pricing models work.
See all our accounting and bookkeeping services for US businesses.
Virtual CFO Services FAQs
What are virtual CFO services?
Virtual CFO services provide senior financial leadership on a part time, remote basis. A virtual CFO handles cash flow forecasting, budgeting, KPI reporting, financing support and strategic planning without the cost of a full time chief financial officer.
Is a virtual CFO the same as a fractional CFO?
Yes, the terms are used interchangeably. Both describe a CFO who works part time for your business, usually alongside other clients, and is often based remotely.
When does a business need a virtual CFO?
Common triggers are tight cash despite growing sales, a lender or investor asking for projections, a major hire or expansion decision, or monthly reports that nobody turns into action.
How much do virtual CFO services cost?
Cost depends on the hours you need, the number of entities, reporting depth and any fundraising or lender work. We offer a competitive fixed monthly fee, hourly billing or per task pricing, quoted in writing after a free call.
What is the difference between a controller and a CFO?
A controller makes sure the books are accurate and the month is closed properly. A CFO uses those numbers to plan cash, set budgets and guide decisions about the future.
Do I need clean books before hiring a virtual CFO?
Yes. Forecasts built on inaccurate books lead to wrong decisions. If your books are behind, we bring them current first with catch up bookkeeping, then start the CFO work.
Can a virtual CFO help us get a loan?
Yes. We prepare budgets, cash flow projections and financial statements in the format lenders expect, and can join lender conversations to explain the numbers.
How often will we meet?
Most clients have one monthly review meeting and a quarterly planning session, with email support in between. The rhythm is agreed at the start and can change as your needs do.
Make Your Next Big Decision With the Numbers Behind It
Tell us where the business is heading. We will recommend the level of CFO support you need and send a clear written quote.