Fractional CFO services answer the financial questions facing your business, without the cost of a full-time executive.
| Services Offered | Questions Answered |
| Cash flow forecast A three-month look ahead at cash coming in and going out, updated monthly. | “Where is my cash actually going?” “Will I have enough to cover payroll in six weeks?” |
| Annual budget A full-year financial plan, held as the standard to measure actual performance against. | “Are we on pace for the year, or just hoping we are?” “I honestly have no idea what next year’s supposed to look like.” |
| KPI development & tracking A small set of metrics that indicate whether the business is performing the way it should. | “I honestly don’t know if we’re doing well right now or not.” “Is this the month I should be worried, or is this normal?” |
| Executive-level business advising Ongoing access to a financial professional for the decisions that come up between formal deliverables. | “Should I take this on, or is it too much too fast?” “I have a decision to make and no one to run it by who actually understands the numbers.” |
| Job costing & project profitability Identifying which jobs, projects, or service lines are actually profitable — and which only look that way. | “Did that job actually make money?” “Why do my biggest jobs always end up tighter than expected?” |
| Financial modeling for business decisions Building out the numbers behind a specific decision before it’s made — a hire, a purchase, an expansion. | “Can I actually afford to do this right now?” “What happens to cash flow if I say yes to this?” |
| Pricing strategy & profitability optimization Reviewing what’s actually being charged against what it costs to deliver, and finding where the margin is being lost. | “Am I leaving money on the table with my pricing?” “Which clients or jobs am I actually making money on?” |
| Designing internal controls & procedures Building the checks and approval steps that keep money, inventory, and information moving the way they’re supposed to. | “How do I know nothing’s slipping through the cracks?” “Is there a better way to keep this from depending entirely on one person?” |
| Capital structure & financing strategies Evaluating how a business is funded — debt, equity, credit — and whether that structure still makes sense. | “Is this the right way to finance this purchase?” “I feel like I’m leaning on my credit line more than I should be.” |
| Risk assessment & management Identifying where the business is financially exposed, and what that exposure actually means in dollars. | “How exposed am I if this client leaves?” “What does it actually cost me if my biggest supplier raises prices?” |
| Industry benchmarking & performance comparison Comparing the business’s numbers against others in the same industry, to see what’s actually normal. | “Are my margins normal for a business like mine?” “Am I charging what the market will bear, or just guessing?” |
michael@fedelecfoservices.com | 732-637-9012 | empowerap.com