Financial leadership for the decisions in front of you.
Fractional CFO
Forward-looking support for profitability, cash flow, forecasting, planning, and the bigger decisions shaping your business, without a full-time hire.
WHEN FOUNDERS BRING ME IN
When the decisions get bigger than the reports.
Profitable on paper, short on cash
The P&L shows a profit and the bank balance disagrees. We find where the cash goes.
A big yes or no is coming
A large order, a new retailer, a new market. We model it before you commit.
Revenue is up, margin isn’t
Fees, shipping, discounts, and extra hours hide where the profit is.
Hiring or capacity questions
A salary changes your cash position for years. We test it first.
Raising or borrowing
Lenders and investors expect clean, explainable financials. We get you ready.
Reports that don’t drive decisions
The numbers arrive every month and no one knows what to do with them. We turn them into a short operating story.
PROFITABILITY MODELING
See what each customer, channel, or product really earns.
Revenue shows who buys. It doesn’t show who pays for themselves. Profitability modeling counts every cost attached to a customer, channel, or product, then shows what growing it does to your cash.
Works for retailers, marketplaces, direct sales, retainer clients, and project work
Built from your reconciled books, not estimates
Ends in a decision: keep, reprice, restructure, or grow
WHAT’S INCLUDED
Six ways I help you decide.
Cash flow forecasting
A forward view of cash you can use week to week, with the assumptions written down.
Budgets and planning
A plan the business can actually be measured against.
KPI reporting
A short set of measures that match how your business makes money.
Profitability modeling
What each customer, channel, or product earns after all costs.
Scenario planning
Model a new channel, a large retailer, a hire, or a price change before you commit: the investment required, the return, and the projected profitability.
Lender and investor readiness
Clean, explainable financials and answers ready for the first questions you’ll be asked.
Models are only as good as the books under them.
HOW IT WORKS
Foundation check
We confirm your numbers are reliable, or fix them, before building anything on top.
Build the model
Forecasts, budgets, and profitability views built around your business and your questions.
Review and decide
A quarterly conversation about what the numbers say and what to do next.
Ongoing monthly support with a quarterly review, or a fixed-fee project for a single model or decision.
The same questions, in every kind of business.
WHO IT’S FOR
Service-based businesses
Profitability by client or service line, capacity, pricing, and the cash cycle of retainers and projects.
CPG & e-commerce brands
Channel and retailer economics, inventory, cash, margins, wholesale terms, and the demands of growth.
Mission-driven organizations
Budgets, restricted funds, and board reporting that tell the story of the mission and the money.
Bring the decision. We’ll bring the numbers.
A short intro call is the easiest way to see whether fractional CFO support fits what you’re facing.
Prefer email? stephanie@berwickfinancial.com