Fractional CFO Services

Financial Leadership Without the Full-Time Cost

Get a seasoned CFO working inside your business — monthly cash flow forecasting, KPI dashboards, strategic planning, and lender relations — for a fraction of what a full-time hire would cost.

Book a Free Consultation

Most small businesses are too complex for a bookkeeper and too small for a full-time CFO. We fill that gap — bringing 30+ years of finance leadership experience directly to your business, on an ongoing monthly basis, at a cost that makes sense for where you are right now.

What's Included Each Month

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Cash Flow Forecasting

Rolling 13-week and monthly cash flow models so you always know what's coming and never get caught short.

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KPI Dashboard

Custom dashboard tracking the metrics that matter most for your business — margins, breakeven, DSCR, revenue per employee, and more.

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Budget vs. Actual

Monthly review of actual performance against budget with variance analysis and corrective recommendations.

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Lender Relations

Ongoing support for covenant compliance, renewal preparation, and lender communication — so financing stays in place.

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Strategic Planning

Quarterly financial strategy sessions: scenario modeling, pricing review, capital allocation, and growth planning.

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Profitability Analysis

Identify which products, services, customers, and locations are driving margin — and which are quietly dragging it down.

How It Works

Discovery Call

Free 30-minute call to understand your business, financials, and goals.

Onboarding

We review your books, build your dashboard, and establish your baseline in the first month.

Monthly Cadence

Regular check-ins, updated models, and proactive alerts when something needs your attention.

Strategic Reviews

Quarterly deep-dives on performance, planning, and opportunities for the quarter ahead.

Why Merager Financial Solutions

30+ years of finance leadershipFrom Caltech to Fortune 500 to the small businesses that drive Colorado's economy — we've seen every stage of the financial lifecycle.
Built for small business owners, not Wall StreetWe speak your language, know your challenges, and have seen what works for businesses at your scale.
Every deliverable is custom-builtNo templates, no generic reports. Your financials reflect your actual business, your actual numbers, your actual situation.
One advisor across all five servicesYour CFO, financial modeler, and pricing strategist are all the same person. No handoffs, no lost context, no gaps.
Integrated with your existing teamWe work alongside your bookkeeper and CPA — not in place of them — to ensure everyone is working from the same numbers.

Monthly Retainer Pricing

Starter — up to 10 employees$1,500/mo

Growth — up to 25 employees$2,500/mo

Scale — up to 50 employees$3,500/mo

Enterprise / multi-entityCustom

All retainers include monthly cash flow model, KPI dashboard, budget vs. actual review, and one strategy session. Additional project work (lender packages, QBO cleanup, etc.) available at discounted rates for retainer clients. Month-to-month — no long-term contracts.