Executive-level financial leadership and growth strategy—cash flow, forecasting, financing, and the guidance to scale—without the full-time cost.
A fractional CFO is a senior financial executive who works with your business part-time—giving you the strategy, forecasting, and financial leadership of a Chief Financial Officer without the full-time salary. Instead of $200,000+ a year for a full-time CFO, you get high-level guidance for a fraction of the cost, scaled to what your business actually needs.
Side By Side Financial provides fractional and outsourced CFO services for growing businesses nationwide. We turn your numbers into a plan—managing cash flow, forecasting, profitability, and financing—so you can make your biggest decisions with confidence.
13-week and long-range cash flow forecasting so you always know what's coming and never get caught short.
Annual budgets and rolling projections that turn goals into a concrete, fundable plan.
Margin and profitability analysis by job, product, or service line—so you double down on what makes money.
Clear monthly dashboards of the metrics that matter, explained in plain English.
Lender-ready financials and support managing your banking and financing relationships.
Strategic guidance on hiring, pricing, expansion, and how to fund your next stage of growth.
These three roles solve different problems. A bookkeeper records what happened. A CFO decides what to do next—forecasting, strategy, and financing. A full-time CFO does that in-house for a six-figure salary plus benefits; a fractional CFO delivers the same strategic horsepower part-time, for far less, which is ideal for businesses that have outgrown bookkeeping but aren't ready for a full-time executive.
It may be time for a fractional CFO if you're experiencing any of these:
Because we already keep your books, payroll, and taxes, your fractional CFO isn't starting from a blank spreadsheet—they're working from a complete, real-time picture of your business. That means faster insight, better forecasts, and decisions backed by real numbers instead of guesswork.
A full-time CFO typically costs $150,000–$300,000+ a year once you include salary, bonus, and benefits. A fractional CFO gives you the same expertise for a fraction of that—usually a flat monthly engagement scaled to how much support you need, from a few strategic hours a month to deep ongoing involvement.
For most growing businesses, that lands in the low thousands per month—far less than a full-time hire, and often paying for itself through better cash flow, pricing, and financing decisions. We'll scope the right level and give you a clear monthly price in your free consultation.
Fractional CFO support is ideal for project-based businesses—construction, trades, trucking—where cash flow and job profitability make or break the year.
We don't just do your books—we become a strategic part of your team. Our clients get enterprise-level financial expertise at a fraction of the cost of an in-house finance department.
Get CFO-level guidance to make your biggest decisions with confidence—without a full-time hire.