Fractional CFO
Fractional CFO for growing tech, creative and wellness SMEs
Turn disorderly growth into sustainable profitability.
Lead with reliable economic insight and a strategic financial mindset.
Strategy, control and peace of mind for the CEO.
Trusted by CEOs of B2B creative, tech and wellness SMEs
The role of a fractional CFO is to let the CEO focus on growing the business, with real control over the growth-margins-reinvestment triangle. Hiring a fractional CFO means having a professional fully integrated into your SME who translates numbers into strategic decisions, without the cost of a full-time financial director.
Effective financial management of any business, regardless of its size, requires (1) business strategy, (2) planning and control, (3) capital allocation and (4) cash/working capital management.
1/ Establish your company's financial strategy
Grow profitably by embedding business strategy at the core of your financial strategy. For SMEs and startups in growth phase, this means your financial structure, pricing, resource allocation and cost structure respond to your vision — not to inertia.
- Business strategy (goals and how to get there)
- Capital allocation
- Management accounting
- Pricing
- Financial structure
2/ Work with ongoing financial planning
Drawing on my experience across hundreds of projects, I design ad hoc solutions for each situation. I guide the people within the department.
In smaller SMEs, I act as a sounding board for the CEO and am the one directly executing this entire function.
- Budgeting
- Forecasting
- Project-based planning
3/ Decide with relevant, error-free information
I lead your business’s financial area in an agile, hands-on way, working alongside you as part of your team, so you can make decisions effectively and with peace of mind.
- Reporting
- Cash management
- Working capital management
- Weekly business KPIs
How I've helped other SMEs
B2B use case: Biotech start-up
B2C use case: E-learning business
Use case: media
Use case: digital product
Use case: Spinoff creative agency
What is a fractional CFO
My roadmap for working with clients
Diagnosis and assessment
Business audit
- Review of accounting and tax information
- Working sessions to understand the business model
- Review of internal organisation, information flows and partners
Strategy design
Finance and busines
- Design of financial strategy
- Design of economic strategy
- Diagnosis
- Business model planning and KPI definition
Monitoring and control
Reporting and monitoring
- Annual budget
- Budget management
- Costs and pricing
- Project forecasting
- Decision-making criteria
Implementation
Management control
- Ongoing economic-financial reporting (monthly or weekly)
- Guidance and explanations for partners
- Accounting close, annual accounts and audit managemen
Frequently Asked Questions
How do I know if I need a fractional CFO?
When the growth you are experiencing is taking you to a complexity and speed that no longer allows you to control the business as before. You are losing control and you don’t have the time to dedicate to the financial area.
You realise that you need knowledge and experience at another level; a specialised professional because there are already things that escape you.
And because you know you need strategy and planning.
Another angle of the issue is the training of the person/persons you have inside, or that until now you depend on a management company that no longer fulfils what you need (because it is not its function).
It happens when you go from being your partner, you and some collaborators, to a team of more than 10 people.
What is the difference between ‘Fractional CFO’ and ‘Consulting’ (your two services)?
‘Fractional CFO is a follow-up service, it is an active figure that is inside your company helping you to make decisions every month. It starts with a diagnosis and strategy and goes on to plan the year, analyse the different variables to follow the plan to the management of the upcoming audit.
The ‘Consultancy’ is a one-off service and is intended for short term projects of a strategic nature. I usually do it with smaller clients, who need to tweak their business model or transform it. We do a strategic reflection, we look at pricing, what they need to do to reach the objectives set and how they can win in the market.
Within this service I also offer valuation of companies for sale and purchase. I have been an expert valuator for 2 decades and I have been everywhere; valuator on the buying side, on the selling side, independent, responsible for financial due diligence as an expert, assisting the buyer or the seller.
If I need more related services, how can you help me?
I work with the best professional partners in Spain in the growing small and medium-sized business market. This means that you need the services of a large company, but at the cost of a small one. There are not many that meet these two requirements.
I have confidence in them because I have been in the market for 20 years doing work with them and I have tried many of them in different contexts.
We are talking about: specialised accounting/tax/labor consultancy, EAFs for capital allocation in investments, instruments and technologies for exchange rate and interest rate hedging, grant and subsidy applications, alternative financing and specialised lawyers.
I also work with colleagues to whom I can delegate some of my work if there comes a point where we need more capacity.
What technologies do you use and how do you communicate?
I am completely agnostic when it comes to technologies, both management and communication. I have used practically all the existing ones. No technology can ever condition a service. I adapt to the client’s technology or we implement the one that will work best for them according to their needs.
Do you work with startups or venture builders?
I have been mentoring startups for years and have worked on many technological innovation projects, especially spinoffs.
There are two particular cases where I have special experience:
- Consolidated companies that want to spinoff projects they have developed for clients.
- Companies that want to invest in a startup and need to know its value (valuation).
Yes, I work as a consultant with startups (business model, pricing, financial strategy, planning), but I do not provide ‘external CFO’ services. If you are in the latter case, I can refer you to colleagues and specialised firms that are 100% dedicated to it and are very good.
Stop flying blind…
Take control of your business today
Más de 20 años como economista, auditor ROAC y Chartered Controller Analyst. Si buscas contratar un CFO externo en España, agenda una videollamada sin compromiso.
