Virtual CFO Services
For Growing Businesses
Done 100% Remotely
Most business owners I work with can recite their revenue to the dollar. Ask about cash runway, AR aging, or project-level margin — silence. That's the gap virtual CFO services are built to close. And you don't need me in the same city to close it. I've advised 100+ businesses across the country without ever stepping foot inside them.
No long-term contracts. Month-to-month engagements. Discovery calls are free.
Three Financial Gaps That Hold Good Businesses Back
I've seen each of these patterns across 100+ engagements. They're not unique to your industry — and none of them require a full-time CFO in the building to fix.
The Expertise of a Full-Time CFO — Without the Full-Time Cost
I've worked inside and alongside small and mid-sized businesses for over 20 years — manufacturing, home services, construction, real estate, professional services, telehealth, and more. Before starting Solidify CFO Solutions, I held Controller and CFO seats at organizations with complex financials: multiple entities, creative financing structures, and cash timing windows measured in days. The businesses that struggled were rarely undisciplined. They were under-informed.
I hold an MBA and Master of Science in Finance from the University of Kentucky. I served in the U.S. Navy as a Corpsman before any of that — and there's a reason corpsman training shows up in how I work with clients. You triage first: identify what will break the business soonest, address it, then work down the list. According to the U.S. Small Business Administration, strong financial management is the single most consistent differentiator in long-term SMB survival. I've seen that firsthand, across 100+ engagements.
And none of it requires me to be in your office. I've advised a tree removal company that grew from $4.7M to over $6.5M in revenue, a real estate company that improved liquidity by more than 1,866%, and dozens of other businesses — all virtually, all through the Cashflow Optimizer platform. 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 won't show you pricing. I will. If the comparison didn't speak for itself, I'd have something to hide.
According to the U.S. Bureau of Labor Statistics, median CFO compensation exceeds $200K annually before benefits, equity, and recruiting costs. You're committed before you know if it's working. And most growing SMBs simply don't have enough strategic work to fill a full-time CFO's calendar — you end up paying enterprise-level cost for part-time-level utilization.
Engagement starts within two weeks. Includes 13-week cash flow modeling, real-time reporting, and direct advisory — plus full Cashflow Optimizer platform access. 100% virtual, serving businesses nationwide. No recruiting lag, no onboarding delay, no lock-in. You get the strategic layer that turns your bookkeeper's data into decisions.
National firms typically rotate advisors — not one person who knows your business. Deliverables are standardized, the platform (if any) is priced separately, and advisory is generic. You pay enterprise rates for a relationship that resets every quarter. Nobody owns your outcome. The engagement ends when the contract ends.
A business doing $3M in revenue that hires a full-time CFO at $220K/year spends 7.3% of revenue on financial leadership. Our CFO Strategy engagement at $4,500/month ($54K/year) costs 1.8% 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.
From Your First Call to Full Financial Clarity — Four Steps
Onboarding takes 3–4 weeks. Done virtually, without disrupting your operations. Once the foundation is right, your numbers work for you — and I stay in your corner every month after that.
Discovery Call
We map your business together — cash position, reporting gaps, upcoming decisions, growth goals. A 60-minute video call. I'll tell you exactly what I see and whether this engagement is the right fit for where you are right now.
Onboarding & Cleanup
Over 3–4 weeks, I oversee any bookkeeping cleanup before building forecasts. Messy books produce unreliable models — and unreliable models produce bad decisions. By the end of onboarding, your data is clean, connected, and ready.
Build the Financial Model
With clean books, I build your rolling cash flow forecast, P&L structure, and KPI dashboard in the Cashflow Optimizer platform. Your accountant's output feeds directly into it — no duplicate entry, no spreadsheet archaeology each month.
Ongoing CFO Advisory
Monthly video reviews, real-time platform access, and a CFO you can call when the decisions land — hiring, pricing changes, capital allocation, exit readiness. Every month, we look forward. Not back.
Real Outcomes from Real Engagements
The work speaks. But here's what the people who've done it 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."
Virtual CFO Services — What You Actually Get
Every engagement runs through the Cashflow Optimizer platform. This is the part that separates a virtual CFO engagement from a monthly phone call — your data, forecasts, and reporting are connected and visible in one place from day one. Read more on our services page or browse the blog for more on cash flow and financial strategy.
Cashflow Optimizer Platform — Included
No other virtual CFO engagement comes with its own software platform. Ours does. The AI-powered Cashflow Optimizer connects your cash flow, CRM, AR, and operations — 12 integrated modules — in one live system. Rolling 13-week forecast. Real-time P&L. Live KPI dashboards. The forward-looking intelligence your monthly P&L simply cannot provide.
Real-Time Financial Reporting
P&L, balance sheet, cash flow statement — connected to your actual operations, not just accounting software output. Budget vs. actual comparisons. Custom KPI dashboards. Direct accountant access. The data you need before a decision, not after it. See the about page for client results built on this reporting infrastructure.
Strategic CFO Advisory
Monthly video reviews, one-on-one advisory, and a CFO who knows your numbers when the hard calls land. Hiring models, capital allocation, exit readiness, pricing strategy. But also the conversation you can't have with a spreadsheet — "should we take this contract?" "Can we afford this hire right now?" This is the work that changes what your numbers look like a year from now.
Ready to Stop Running Blind and Start Running Smart?
Most businesses I work with recover the cost of virtual CFO services inside the first 30 days — not because the engagement is cheap, but because the clarity pays for itself fast. Better cash decisions, fewer surprises, and a financial co-pilot for the decisions that actually move the needle. 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
A virtual CFO is an experienced Chief Financial Officer who works with your business remotely, on a part-time or retainer basis. You get the same strategic financial leadership — cash flow modeling, forecasting, reporting, and advisory on major decisions — as a full-time CFO, delivered entirely online. No geographic limit, no commuting requirement. Every engagement with me includes full access to the Cashflow Optimizer platform, so your financial data is connected and visible from day one — not three months in.
Essentially, yes — these terms describe the same engagement model. A virtual CFO emphasizes that the work is done remotely. A fractional CFO emphasizes that the engagement is part-time. An outsourced CFO emphasizes that the role is handled externally. The strategic value is identical: an experienced financial executive working alongside your business at a fraction of the cost of a full-time hire. I use these terms interchangeably. What matters is the work — not the label.
Engagements run 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 video reviews, and direct advisory. No surprise invoices, no long-term contracts — every engagement is month-to-month. The discovery call is where I'll tell you which tier actually makes sense for where you are, without overselling.
Best fit is businesses doing $1M–$50M in annual revenue with real operational complexity — multiple revenue streams, payroll, and decisions that require more than a monthly P&L to make well. I work across home services, construction, manufacturing, professional services, real estate, and multi-location SMBs. And I'll be direct: if you're under $300K in revenue with a single income stream and no employees, a spreadsheet and QuickBooks probably covers it for now. Come back when the complexity grows. Honesty upfront saves everyone time.
Everything runs through the Cashflow Optimizer platform — your financial data, forecasts, and reporting live in one place accessible to both of us at any time. We meet monthly via video for strategic reviews. Between calls, I'm available for advisory on pressing decisions — a hire, a contract, a credit line. Your bookkeeper and CPA have direct platform access to coordinate on the data side. The process is designed to feel embedded in your business, not remote from it. My friend, that's the whole point.
Three situations where you probably don't need a virtual CFO: First, if your only need is accounting and tax prep — stick with your CPA. A CFO is the strategic layer on top of bookkeeping, not a replacement for it. Second, if you're pre-revenue with no team or operational complexity yet — a spreadsheet covers it for now; don't pay CFO rates for bookkeeping-level needs. Third, if you need a heavily customized ERP implementation — that's outside our scope. But if you have a real business with real complexity and you're making decisions without full financial context, that's exactly what I'm built for.
No. Every engagement is month-to-month. No lock-in, no exit penalties, no minimum commitment past 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 a contract says they have to. If you ever feel the engagement isn't delivering, you cancel and we part professionally. That's the deal.