CFO Solutions for Small Business
For $500K–$10M revenue small businesses with 5–50 employees, CFO Tech Stack solutions deliver cash position monitoring, weekly AI briefings, 13-week forecasts, and profitability analysis starting at $149/mo — vs. $5K–$20K/mo for a fractional CFO.
The CFO Gap in Small Business
A full-time CFO costs $200,000–$350,000 per year in salary, equity, and benefits. That price tag is not feasible for a small business doing $1M–$10M in revenue — but the need for strategic finance oversight is just as real. Hiring a fractional CFO from a firm typically costs $3,000–$15,000/month, which is still out of reach for most owner-operators running on thin margins.
The result is a CFO gap: small business owners who have outgrown their bookkeeper but cannot afford a senior finance executive. They end up doing the strategic finance work themselves — pulling reports at midnight, building cash forecasts in spreadsheets, and guessing at what their numbers mean for the next quarter. This is exactly the gap that CFO solutions are designed to close.
CFO Tech Stack delivers the monitoring, forecasting, and reporting layer small businesses need at subscription cost. You keep your bookkeeper for the transactional work; the platform delivers the strategic finance intelligence that would otherwise require a $5K–$20K/month contractor or a $200K full-time hire. Plans start at $149/month — less than 1% of either alternative.
What Small Business CFO Solutions Include
Cash Position Monitoring
Live connection to QuickBooks or Xero tracks every dollar in and out. You always know how many weeks of cash you have on hand — without running a report manually.
Weekly AI CFO Briefings
Every Monday morning, a CFO briefing lands in your inbox with cash position, AR aging, profitability trends, and what to focus on this week.
13-Week Cash Forecast
Rolling 13-week cash forecast with best/base/worst case scenarios. See shortfalls 60+ days in advance so you can act before cash is tight.
Profitability Analysis
Gross margin, contribution margin, and net margin tracking by service line or product. See which customers and jobs are actually profitable.
Small Business Use Cases
Seasonal swings, inventory cycles, and supplier payment terms create complex cash flow patterns. CFO Tech Stack builds a 13-week forecast from your accounting data and flags shortfalls before they hit the bank balance.
Agencies, consultancies, and professional services firms need visibility into which clients and engagements actually drive margin. CFO Tech Stack surfaces contribution margin by client, project, and service line.
Small businesses that have raised debt or equity need board-ready reporting on a schedule their investors expect. CFO Tech Stack generates monthly board memos, KPI dashboards, and variance reports on demand.
Preparing to sell the business or acquire a competitor requires clean financials, scenario modeling, and valuation support. CFO Tech Stack delivers the analysis layer needed for diligence readiness.
Small Business Pricing
Three plans designed for owner-operators and small business finance teams. All plans include weekly AI CFO briefings and full access to the free CFO tools.
Cash monitoring, weekly briefings, 13-week forecast, profitability tracking — for $500K–$2M revenue small businesses.
Everything in Core + live data connections, scenario modeling, board reporting — for $2M–$10M revenue growing businesses.
Everything in Growth + enterprise FP&A dashboards, AI variance analysis, priority support — for $10M+ revenue multi-entity SMBs.
Frequently Asked Questions
Related Resources
CFO solutions that fit a small business budget.
Connect QuickBooks or Xero today and get your first AI CFO briefing by Monday morning. Plans start at $149/month — less than the cost of a single hour with a fractional CFO firm.