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A fractional CFO (also known as a part-time or outsourced CFO) is a financial executive who works with your company on a contract or part-time basis. You get the benefit of seasoned financial leadership when you need it and at the scale you need, without the full-time salary burden. Fractional CFOs often work for several companies at once, each getting a “fraction” of their time. This model has been surging in popularity – demand for interim/fractional CFOs has reportedly grown significantly (over 100% increase in recent years) – because it offers growing businesses a way to professionalize their finances earlier than they otherwise could. So how do you know when it’s time to bring in a fractional CFO? Let’s explore the signs and the potential benefits.

If the past few years have taught business owners anything, it’s to expect the unexpected. Economic downturns, sudden market shifts, supply chain disruptions – challenges can arise with little warning. Financial resilience is the ability of your business to withstand these shocks and come out intact (or even stronger). It’s like the buffer or shock absorber for your company’s finances. Without resilience, even a short-term setback can become a catastrophe. With resilience, your business can navigate storms, seize opportunities in crises, and rebound quickly.

Many famous companies have pivoted or tweaked their models to achieve success. Nintendo shifted from playing cards to video games, Netflix from mail-order DVDs to streaming. While your changes might not be as dramatic, even small optimizations – like shifting from one-off sales to a subscription model, or finding a cheaper distribution channel – can significantly boost your bottom line. In fact, adaptation is often key to longevity: around 70% of startups end up pivoting their business model at least once, and established businesses too must iterate to stay competitive.

Projecting your future revenue can feel like guesswork, especially in a new business. However, revenue forecasting is a critical practice for any founder aiming for sustainable growth. A revenue forecast is essentially your best estimate of how much money your business will bring in over a coming period (often the next year, broken down by month or quarter). While it will never be 100% accurate, creating a forecast forces you to think ahead, set targets, and prepare – so you’re not caught off guard by either shortfalls or rapid growth.