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Monthly financial review & KPI dashboard
- P&L, balance sheet, and cash flow with variance commentary
- Trailing-twelve-month trend charts
- Department or location-level KPIs
- Margin, burn, and runway metrics for growing businesses
Advisory Services
Fractional CFO Services in Houston
Senior financial guidance without the full-time salary. For Houston businesses that need forecasts, dashboards, lender talks, and strategic decisions — one monthly engagement at a time.
Free diagnostic review · Fixed monthly fee · 40+ years banking experience
Why Fractional CFO
The benefits of part-time CFO support
You do not need a full-time CFO to get full-time clarity. A fractional arrangement gives you strategic finance on the schedule and budget that fit your business.
Senior guidance without the full-time salary
A full-time CFO in Houston runs $150K–$250K plus benefits. Our fractional model gives you the same strategic oversight, board-ready reports, and lender conversations for a fixed monthly fee scaled to your revenue.
Forward-looking dashboards, not backward-looking reports
You get a monthly financial package that explains what the numbers mean next — trailing-twelve-month trends, leading KPIs, and variance commentary — so you can adjust before the month ends.
13-week cash flow forecasts you can bank on
Weekly cash-in and cash-out projections, payroll and tax timing, and what-if scenarios for large expenses or slow receivables. Built to spot gaps a quarter before they happen.
Loan and investor readiness built in
From SBA packages to investor decks, we prepare the financial narrative, historical statements, and forward projections that lenders and backers actually want to see.
Get a fixed monthly CFO quote in one business day
Tell us about your business and what decisions are on the table. We review the file and send a scope and monthly fee — no hourly meter, no obligation.
What's Included
A complete CFO function, scaled to your business
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13-week rolling cash flow forecast
- Weekly projected inflows and outflows
- Payroll, tax, and debt service timing
- Scenario planning for large purchases or seasonal dips
- Action list when projections cross your minimum cash threshold
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Budget & forecast vs. actual analysis
- Annual budget built with your revenue and expense assumptions
- Monthly variance reporting with root-cause notes
- Reforecasting when market conditions change
- Break-even and capacity planning inputs
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Lender, investor, and M&A support
- Lender-ready financial statements and projections
- Debt service coverage (DSCR) analysis and covenant tracking
- Investor pitch deck financial slides
- Due diligence support and Q&A prep
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Strategic advisory & board support
- Monthly strategy call with written takeaways
- Pricing, hiring, and expansion decision modeling
- Board or advisor meeting materials
- Coordination with your CPA and attorney on tax and entity questions
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Clean data foundation
- Books reconciled and corrected before we forecast (or we scope a cleanup first)
- Chart of accounts designed for management reporting
- Integration of payroll, POS, and billing systems
- Documented processes so the work survives any single person
Industries Served
Fractional CFO support by industry
Each industry has different KPIs, margin pressures, and capital needs. We build the dashboard and forecast around the metrics that matter to you.
Contractors & Home Services
Job costing, WIP reports, and bonding-ready financials.
Legal Firms
Trust-account clarity, partner distributions, and IOLTA reporting.
Real Estate & Investors
Property-level P&Ls, cash-on-cash returns, and refinance timing.
Health & Wellness
Provider productivity, membership revenue, and payroll allocation.
Retail & E-Commerce
Inventory turns, gross margin by channel, and ad-spend ROI.
Questions
Fractional CFO FAQ
What does a fractional CFO do for a small business?
A fractional CFO provides ongoing financial strategy, forecasting, and reporting without being a full-time employee. At CreditReady, that includes monthly KPI dashboards, 13-week cash flow forecasts, budget vs. actual analysis, lender and investor preparation, and strategic advisory calls — all built on clean, reconciled books.
How is a fractional CFO different from a bookkeeper?
Bookkeeping records the past: categorizing transactions, reconciling accounts, and producing monthly statements. A fractional CFO interprets the past and models the future: forecasting cash, analyzing margins, preparing lender packages, and advising on decisions like hiring, pricing, and expansion. Most clients need both — clean books plus strategic oversight.
How much does a fractional CFO cost in Houston?
Fractional CFO services in Houston typically range from $2,500 to $7,500 per month depending on revenue complexity, number of entities, and meeting frequency. We scope engagements as a fixed monthly fee after a free diagnostic review, so there are no hourly surprises. See our Houston bookkeeping and CFO pricing benchmarks for sourced market ranges.
When is the right time to hire a fractional CFO?
The right time is usually when you are growing past basic bookkeeping but are not ready for a six-figure full-time CFO. Common signals: revenue is approaching $1M+, you are applying for an SBA loan or line of credit, you need a 13-week cash forecast, you are considering a big hire or expansion, or your board or CPA is asking for projections you cannot produce.
Do you work with my existing bookkeeper or CPA?
Yes. We coordinate with your existing team, whether that is an internal bookkeeper, another bookkeeping firm, or your CPA. We do not duplicate the work — we elevate it by turning reconciled numbers into forecasts, dashboards, and decision support. If the books are not clean enough to forecast from, we scope a catch-up first.
Can you help me prepare for an SBA loan or investor round?
Yes. Our loan advisory is led by a 40+ year banking veteran. We prepare lender-ready financial statements, historical and projected cash flows, debt service coverage analysis, and the narrative behind the numbers. We also support investor materials and due diligence Q&A.
How often do we meet with a fractional CFO?
Most engagements include a monthly strategy call plus a mid-month check-in if cash or a project is moving quickly. Between calls, you receive the dashboard and forecast by a set date each month, and we are available for questions as they come up.
Is fractional CFO support a good fit for startups?
It can be, if the startup has revenue or is preparing for a funding round. Pre-revenue startups usually need clean bookkeeping and basic projections first. Once there is recurring revenue, payroll, or fundraising activity, a fractional CFO adds clarity and credibility.
Keep reading
Related pages and guides
- All bookkeeping servicesMonthly books, cleanup, and loan-ready financials.
- Bookkeeping & CFO pricingWhat fractional CFO support costs in Houston.
- Houston bookkeeping & CFO pricing benchmarksSourced market rates you can compare against.
- 13-week cash flow forecast toolFree rolling forecast for the next quarter.
- Catch-up bookkeeping & cleanupClean books before we forecast.
- SBA loan bookkeeping guideWhat lenders require from your financials.
Free CFO diagnostic
Find out what fractional CFO support looks like for your business
Tell us how to reach you and what decisions are on the table. We'll review your current books and send a fixed monthly scope — usually within one business day.