When You Don’t Need a Full-Time CFO (But Still Need CFO-Level Strategy)

Accelerate your financial success with Scoggins CPA, where growth and progress are our guiding principles.

Most founders don’t start a business thinking, “Can’t wait to dig into GAAP compliance.” But as your business scales, the financial stakes get higher—and gut instinct isn’t enough.

Enter the fractional CFO: your strategic finance partner without the six-figure salary.

If you're juggling cash flow planning, investor updates, and tax strategy with no time—or desire—to master it all, it might be time to fractionalize.

1. Treat Cash Flow Like a Product Launch

A good fractional CFO doesn’t just monitor cash; they build a cash flow model that actually mirrors your operating reality.

Example: One e-commerce client had strong margins but kept running into cash shortages. We restructured payment terms with suppliers and staggered ad spend to align with revenue seasonality.

[Cash flow planning is the #1 reason SMBs hire a fractional CFO, per a 2023 report by the Journal of Accountancy.]

2. Build Investor-Grade Financials Without the Burn

If you’re raising a seed or Series A round, slapping numbers into a Google Sheet won’t cut it. You need to tell a clean, compelling financial story.

Example: We helped a tech startup move from cash-basis books to GAAP-compliant accrual accounting in under 30 days, prepping them for due diligence and landing a $2M raise.

[Per IRS Pub. 535, GAAP compliance isn't just about neat books—it’s a safeguard against audit risk.]

3. Create a Tax Strategy That Doesn’t Hurt Later

Tax planning isn’t once-a-year—it’s a rolling strategy. A fractional CFO ensures your tax posture aligns with your growth strategy, not just your current income.

Example: For a growing real estate business, we restructured their entity and implemented a depreciation strategy that shaved $45K off their tax bill.

[IRS Form 4562 and the MACRS system are key tools in tax planning that many SMBs overlook.]

What’s Next: From Tools to Systems

The best fractional CFOs bring more than spreadsheets—they bring systems. Think integrated dashboards, automated AP/AR, and real-time financial insights. As AI-driven accounting tools mature, fractional CFOs will become even more valuable in translating raw data into strategic action.

Ready to Upgrade Without Overhead?

Scoggins CPA Accounting & Advisory offers fractional CFO services designed for startups, law firms, real estate investors, and growing e-commerce brands. If your business is growing fast but your finance systems are stuck in startup mode, let’s fix that.

👉 Book your free Q3 strategy session today.