Outsourced
CFO Services
Without the Full-Time Cost
Most business owners can recite their revenue to the dollar. Ask about the cash coverage ratio — and you get silence. That's the gap I've spent the last decade helping 100+ businesses close. You want outsourced CFO services that actually move the numbers.
No long-term contracts. Month-to-month engagements. Discovery calls are free.
The 3 Financial Problems That Keep Good Businesses From Growing
I've seen each of these patterns across 100+ engagements. They're not unique — but they are solvable.
You Need a CFO. You Probably Don't Need One Full-Time.
I spent over 20 years working inside and alongside small and mid-sized businesses — manufacturing, home services, construction, professional services, retail, and more. In that time, I've noticed a consistent pattern: the businesses that struggled weren't always undisciplined. They were under-informed.
I hold an MBA and MSF from the University of Kentucky, served in the United States Navy, and have worked across organizations worth over $500M+ in assets. I've advised more than 100 businesses — and I've seen what changes when owners finally have a real financial co-pilot in their corner. According to the U.S. Small Business Administration, strong financial management is consistently the differentiating factor in long-term SMB survival.
And the change is never complicated. It's clarity. When you can see your cash position, understand your margins, and get real advisory on decisions before they're made — the business runs differently. Better. All engagements are delivered virtually, so I serve businesses across the United States with no geographic limit.
What Does a CFO Actually Cost? Here's the Comparison Nobody Publishes.
Most firms that offer outsourced CFO services won't show you pricing. I will — because the comparison speaks for itself and you deserve the full picture before booking a call.
According to the U.S. Bureau of Labor Statistics, median CFO compensation exceeds $200K annually before benefits. Recruiting takes 3–6 months. You're committed before you know if it's working — and most growing SMBs don't have enough strategic work to fill a full-time CFO's calendar.
Engagement starts within two weeks. Includes 13-week cash flow modeling, real-time reporting, and direct advisory — plus full Cashflow Optimizer platform access. All delivered virtually, serving businesses nationwide, with no recruitment lag and no lock-in.
With national firms you typically get rotating advisors — not one person who knows your business. Deliverables are standardized, advisory is generic, and the platform (if there is one) is priced separately. You pay enterprise rates for SMB-level service, and nobody owns your outcome.
A business doing $5M in revenue that hires a full-time CFO at $250K/year spends 5% of revenue on financial leadership. Our CFO Strategy engagement at $4,500/month ($54K/year) costs 1.1% of revenue — with platform access, direct advisory, and zero recruiting lag. Most engagements recover the cost of better cash decisions in the first 30 days.
Four Steps from Financial Fog to Full Clarity
Onboarding takes 2–4 weeks — once the foundation is right, your data starts working for you, and I stay in your corner every month after that.
Onboarding Call
We spend about an hour mapping your business — current cash position, reporting gaps, upcoming decisions, and growth goals. I'll tell you exactly what I see and whether this engagement makes sense for where you are right now.
Onboarding & Cleanup
The first 2–4 weeks, we meet once a week for about an hour. I oversee any bookkeeping cleanup that needs to happen before we can build reliable forecasts — messy books are the most common reason financial models fail. By the end of onboarding, your data is clean and ready.
Build the Financial Model
With clean books in place, I build your 13-week cash flow forecast, P&L reporting structure, and KPI dashboard inside the Cashflow Optimizer platform. Everything your accountant produces feeds directly into it — no duplicate entry, no spreadsheet juggling.
Ongoing CFO Advisory
Monthly financial reviews, real-time platform access, and a CFO in your corner when it matters — hiring decisions, pricing changes, credit line reviews, equipment purchases, and exit planning. Every month, we look forward. Not just back.
Real Outcomes from Real Engagements
I'd rather show you the numbers than describe them. But here's what the people who have them say.
"He is like gasoline to a fire. Daniel knows his stuff and is a blast to work with."
"Daniel has been the biggest help ever! Within our first meeting I was blown away with the professionalism and immediate ROI. I genuinely refer him to everyone I speak with because of the difference he has made with our business, and the confidence he helps provide in our decisions."
"Thanks to Solidify Solutions, we now have a clear financial outlook and a solid plan for the future. Their support has been invaluable. We're now on track to see our annual revenue grow by over 38% in the next twelve months."
Outsourced CFO Services — What You Actually Get
Every engagement runs through the Cashflow Optimizer platform. Your data, forecasts, and reporting live in one place from day one — not scattered across spreadsheets, email threads, and accounting software that doesn't talk to each other.
Cashflow Optimizer Platform
The old way was a 13-week cash flow model built in a spreadsheet — the right questions, but static and already outdated by the time you read it. The Cashflow Optimizer platform replaced that entirely. Every engagement runs through this AI-powered system: a rolling 13-week cash forecast, live KPI dashboards, real-time P&L, and 12 integrated modules covering CRM, AR management, financial reporting, project management, HR, and more. The platform connects what you earn to what you have — automatically, every day. Not just when someone runs the model. It answers the questions your P&L never could: What's most likely to happen? Where is cash going? How do you grow from here?
Real-Time Financial Reporting
P&L, balance sheet, cash flow statement — connected to your actual operations, not just your accounting software. Budget vs. actual comparisons, custom KPI dashboards, and direct accountant access. The data you need before a decision, not after it.
Strategic CFO Advisory
Monthly financial reviews, one-on-one advisory sessions, and a CFO who knows your business when the hard decisions land. Hiring models, capital allocation, exit readiness, pricing strategy — this is the work that changes what your numbers look like next year.
Ready to Stop Guessing and Start Knowing?
Most businesses I work with recover the cost of outsourced CFO services inside the first 30 days — not because I charge little, but because the clarity pays for itself fast. The discovery call is where we figure out if that's true for your business.
No credit card. No long-term contract. Discovery calls are free.
Frequently Asked Questions
An outsourced CFO — also called a fractional CFO or virtual CFO — is an experienced Chief Financial Officer who works with your business on a part-time or retainer basis. Instead of a full-time hire at $200K–$400K per year, you get strategic financial leadership: cash flow modeling, reporting, forecasting, and decision support at a fraction of that cost. In my engagements, this includes full access to the Cashflow Optimizer platform from day one, so your data is connected and visible immediately — not three months into an onboarding process.
Engagements are structured as monthly retainers: $2,500/month for CFO reporting and oversight, $4,500/month for CFO strategy, and $7,500/month for full CFO leadership. All tiers include platform access, monthly reviews, and direct advisory. There are no surprise invoices and no long-term contracts — every engagement is month-to-month. The best way to understand whether the cost is right for your situation is the discovery call, where I'll tell you directly what kind of engagement makes sense.
A bookkeeper records what happened. An accountant reconciles the past for tax purposes. A CFO looks forward: modeling cash, advising on decisions, and identifying risks before they become problems. These are complementary roles — not interchangeable ones. I work alongside your existing bookkeeper and CPA, not instead of them. You still need accurate records for compliance; what you get with a fractional CFO is the strategic layer that turns those records into decisions. See our services page for more on how these engagements fit together.
Best fit is businesses doing $1M–$50M in annual revenue with real operational complexity — multiple revenue streams, a team of employees, and decisions that require more than a monthly P&L to make well. I work across home services, construction, manufacturing, professional services, and multi-location SMBs. If you're under $300K in revenue with a single income stream, I'll tell you directly that a spreadsheet and QuickBooks probably covers it for now — come back when the complexity grows. Honesty upfront saves everyone time.
Discovery calls happen within a week of inquiry. Most engagements go live within two weeks of that call. Onboarding through the Cashflow Optimizer platform is fast — your data starts working for you before the end of the first month. There's no months-long implementation, no third-party integrators, and no training period before you start seeing your numbers in one place. I built the onboarding process specifically so that the first 30 days feel like progress, not setup.
No. Every engagement is month-to-month. No lock-in, no penalties for leaving, no minimum commitment beyond the current month. I earn the relationship every month. The businesses I've worked with for three, four, five years — they stay because the value is clear, not because there's a contract trapping them. If you ever feel the engagement isn't delivering, you cancel and we part professionally. That's the deal.