Looking for a CFO? Free Introduction within 2 Working Days
Get MatchedLooking for a CFO? Free Introduction within 2 Working Days
Get MatchedWork with an experienced CFO to get clear on your cash – without hiring full-time.
- Cash flow forecasting and visibility
- Short-term cash planning (13-week models)
- Working capital and runway management
- Decision support tied to real cash position
Most companies don’t struggle with revenue – they struggle with timing.
You can be profitable on paper and still run into real constraints if cash isn’t managed properly. That’s where cash flow management for business becomes critical. It’s not just about tracking inflows and outflows. It’s about understanding when cash actually moves, what obligations are coming, and how much flexibility you really have.
A common situation: a company doing $5–10M in revenue, growing steadily, but constantly short on cash. Sales look strong, margins are acceptable – but receivables are stretching to 60+ days while payroll and vendors are paid in much shorter periods. On paper, the business is blooming. In reality, it’s under consistent pressure.
It’s a visibility and timing problem, which should be addressed with accurate cash forecast and precise cash planning and management.
Strong business cash flow management gives you control. Without it, decisions get reactive – delayed hiring, rushed financing, or cutting costs too late. With it, you can plan ahead, negotiate better, and move with confidence.
The missing piece for most companies is forward visibility. Basic reporting tells you what happened. But cash flow management and forecasting – often built as part of broader financial planning – tells you what’s about to happen.
A forward-looking cash model allows you to:
This is the kind of work CFOs at the US Fractional CFO Alliance focus on – bringing visibility to decisions that are usually made too late.
Cash flow management at the CFO level goes beyond tracking. It’s about building a system that supports real decisions.
Build short-term and long-range forecasts based on how your business actually operates, not static assumptions.
Model how changes in hiring, pricing, or revenue timing impact your cash position before decisions are made.
Improve how cash moves through receivables, payables, and inventory to reduce pressure and increase flexibility.
Develop clear reporting that shows your real-time cash position and supports faster, more confident decisions.
Understand how long your cash lasts under different scenarios and what changes extend or reduce your runway.
Identify upcoming cash gaps early and plan the right response, including securing a working capital line or other financing before urgency limits options.
Evaluate when to use debt versus equity and how each option impacts cash flow, flexibility, and long-term ownership of the business.
Define the right level of cash reserves for your business and build a buffer that supports operations without constant pressure or short-term decisions.
Three steps. Two minutes. Zero guesswork.
Answer a few quick questions about your business, challenges, and goals – takes less than 2 minutes.
We connect you with qualified CFOs experienced in your industry and ready to support your specific needs.
Speak with up to five CFOs, compare perspectives, and select the right fit for your business.
No fees. No commissions. You choose who to work with.
Industries: Ecommerce · Manufacturing · Professional Services · Distribution · Import / Export
Fractional CFO with 20+ years of cross-industry experience supporting businesses from early stage through growth and exit. Works with owners and leadership teams to strengthen cash flow, build scalable financial infrastructure, and navigate capital decisions across complex structures. Focused on translating financial data into clear, actionable decisions that drive sustainable growth and protect long-term value.
Industries: SaaS / Technology · Manufacturing · Healthcare · Professional Services · Real Estate
Brandon’s mission is to help middle-market companies and PE-backed organizations scale by integrating financial discipline, operational excellence, and leadership alignment. Focused on unlocking liquidity, building scalable financial architecture, optimizing working capital, and driving measurable enterprise value, especially in complex environments.
Industries: SaaS / Technology · Ecommerce · Healthcare · Professional Services · Real Estate
Accomplished finance leader with 25+ years driving financial strategy, operations, and growth across private and public tech companies worldwide. 15+ years as a Fractional CFO supporting VC-backed startups and scaling SaaS businesses globally. Helped raise over $500M in equity, built finance teams from scratch, led M&A, and developed systems and reporting infrastructure needed to scale responsibly and efficiently.
Industries: SaaS / Technology · Healthcare · Professional Services · Nonprofit · Insurance · Retail · CPG
Fractional CFO with 15+ years of experience helping companies improve financial performance, strengthen cash flow, and scale operations. Works with businesses across industries, supports leadership with forecasting, KPI reporting, fundraising, and M&A readiness. Has held senior finance roles at CVS Health and Penn State Health, working with multi-billion-dollar budgets and complex operations.
Industries: SaaS / Technology · Ecommerce · Manufacturing · Healthcare · Professional Services · Real Estate · Retail · Nonprofit · Life Sciences · CPG
CPA with 25+ years of experience providing fractional CFO services to small businesses across a wide range of industries. His team delivers fractional CFO, controller, tax, and project services, as well as custom database development and financial modeling tools. Approach centers on meeting with each client to assess financial pain points and opportunities, then building a custom engagement to address them.
Industries: SaaS / Technology · Ecommerce · Healthcare · Real Estate · Alternative Assets · Retail · Life Sciences
Fractional CFO with 30+ years across Wall Street and operating leadership, including leading a $2B regulated broker-dealer. Deep experience in capital formation ($1B+ raised), financial modeling, working capital discipline, KPI architecture, and board-level decision support. Builds scalable financial infrastructure and translates data into strategic action.
Industries: Real Estate · Construction · Hospitality · Asset Management · Family Office · Property Management
Seasoned finance executive with over 15 years of experience leading financial strategy, operations, and investment oversight across complex real estate portfolios, development platforms, and family offices.
Before moving into principal-side roles, spent nearly a decade in Big 4 and mid-market advisory with KPMG, RSM, and BDO, conducting due diligence for multibillion-dollar real estate and private equity transactions. Holds a Master of Professional Studies in Real Estate from Georgetown University.
Industries: Manufacturing · Construction · Electrical · Plumbing · HVAC · Contracting
A fractional CFO focused on quick margins boost and cash flow optimization through strategic FP&A, rigorous budgeting, accurate forecasting, and deep profitability insights. Delivers fast, tangible results – higher margins in months, freed-up cash for equipment and growth initiatives, and reduced financial stress with forward-looking strategies built for the trades.
Industries: Manufacturing · Professional Services · Real Estate / Construction · Distribution
A Fractional CFO with 15+ years of experience helping small and mid-sized manufacturing companies improve cash flow, reduce costs, and build scalable financial systems. Brings clarity, discipline, and strategic insight to drive performance, strengthen financial controls, and support sustainable, long-term growth. Partners closely with business owners and leadership teams to ignite their next stage of growth.
Industries: Healthcare · Real Estate / Hospitality · Retail · Food & Convenience
A Fractional CFO with 15 years of experience in accounting and finance, focused on driving growth, reducing costs, improving margins, and strengthening cash flow. Has worked with retail, food service, hearing aid, and convenience store businesses, supporting small to mid-size companies with revenues up to $30M. Brings clarity, operational insight, and streamlined financials to guide confident, well-informed decision-making.
Industries: SaaS / Technology · Ecommerce · Manufacturing · Healthcare · Professional Services · Real Estate · Distribution · Life Sciences
CFO and strategic finance leader with 15+ years of experience driving growth, improving cash flow, and building scalable financial infrastructure in private equity-backed and service-based organizations. Known for translating financial data into clear decisions, strengthening operations, and partnering with leadership to drive performance and long-term value.
Industries: Manufacturing · Professional Services · Distribution
Fractional CFO helping growth-stage and PE-backed companies turn financial complexity into a competitive advantage. Former Director of Corporate Finance at a $500M PE-backed manufacturing firm, where he co-led a successful exit delivering 3.5x returns. Brings institutional-quality finance to businesses that need strategic firepower without the full-time cost. Specialties include financial modeling, cash flow optimization, and investor reporting.
Industries: Healthcare
Strategic finance leader with 20+ years of experience across corporate finance, operations, and forensic analysis. Has led financial transformations in Fortune 500 companies, health plans, ACOs, and state marketplaces, with a focus on structure, transparency, and leading through uncertainty. Serves as a Fractional CFO helping small and mid-sized businesses navigate strategy, P&Ls, cash flow, forecasting, and complex financial challenges with a practical, hands-on approach.
Industries: Manufacturing · Professional Services · Distribution · Private Lending · Mortgage Servicing
Partners with leadership teams as a Fractional CFO and trusted advisor, bringing financial strategy, system integration, and process improvement to growing organizations. Helps businesses improve margin visibility, strengthen financial discipline, and implement practical systems that support confident, sustainable growth.
Industries: Healthcare · Professional Services
A seasoned financial leader who empowers executives with data-driven insights, strategic planning, and clear reporting. Specializes in building dashboards, streamlining processes, and guiding businesses toward their goals with clarity and confidence. Holds CMA and CSCA credentials, bringing expertise and practical solutions to support growth. Partners with leadership teams to turn financial data into actionable decisions.
Industries: Manufacturing · Healthcare · Professional Services · Nonprofit · Life Sciences
A Fractional CFO with 15+ years of experience helping small and mid-sized manufacturing companies improve cash flow, reduce costs, and build scalable financial systems. Brings clarity, discipline, and strategic insight to drive performance, strengthen financial controls, and support sustainable, long-term growth. Partners closely with business owners and leadership teams to ignite their next stage of growth.
Industries: SaaS / Technology · Healthcare · Professional Services · Alternative Assets · Retail · Nonprofit
Works with growing businesses that need financial guidance but not a full-time CFO, helping owners understand their numbers, plan for growth, and build financial systems that support long-term success. Offers fractional CFO support tailored to each stage, including cash flow forecasting, financial modeling, budgeting, KPI tracking, and strategic advisory.
Industries: Manufacturing · Consumer Packaged Goods · Chemicals · Textiles · Pharmaceuticals · Food
Career built on driving results through enhanced business performance, process improvements, scalable systems and controls, and organizational development. Deep expertise across FP&A, cost management, treasury, acquisitions and integrations, ERP implementations, and controllership.
Cash flow management is both a tool and a skill.
Our CFOs work directly with your leadership team to interpret numbers, challenge assumptions, and guide decisions. This is hands-on support, not outsourced reporting.
In many cases, this support is delivered through a fractional CFO engagement, where you get consistent senior involvement without committing to a full-time hire.
You get:
CFO support helps organizations move beyond reactive cash management where everything becomes urgent and stressful, and into predictable cash management world, often supported through broader CFO Advisory Services. Through US Fractional CFO Alliance, organizations gain direct access to experienced financial leadership without added layers – improving visibility, accountability, and long-term financial stability.
Cash flow pressure often feels sudden, but it’s usually the result of patterns that have gone unnoticed. A CFO brings the discipline and foresight needed to create reliable visibility into upcoming inflows and outflows, reducing surprises and stabilizing day-to-day operations. With this level of insight, leadership can shift from reacting to cash shortfalls to actively managing the timing and use of capital.
For many smaller companies, cash flow issues aren’t caused by one big mistake – they come from a lack of structure.
Cash flow management for small businesses often starts with limited visibility. Owners know revenue and expenses, but not timing. When a few large customers delay payments or expenses hit at once, it creates pressure that feels sudden – but usually isn’t.
A CFO brings discipline into that process. This includes building practical forecasts, tightening receivables, and creating a clearer picture of available cash week to week.
In one case, a services business with ~$3M in revenue was consistently profitable but running into cash gaps every quarter. The issue was billing cycles and briken receivables collection process. Within a few months of structured forecasting and process changes, the cash pressure eased without adding debt.
That’s typically how this plays out: small adjustments, but high impact.
This is where working with a fractional CFO becomes valuable. You get senior-level oversight and cash flow planning without adding full-time overhead.
Startups face a different kind of pressure. It’s not just about stability – it’s about runway.
Cash flow management for startups is tightly connected to growth decisions. Hiring, product development, and expansion all impact burn rate. Without a clear model, it’s easy to move too fast – or hesitate at the wrong time.
A CFO helps build a forward-looking view that connects cash to strategy. That includes runway tracking, scenario modeling, and planning around funding timelines.
In transition periods – after a raise, before a finance hire, or during restructuring – interim CFO cash flow support can help stabilize the business quickly. This often includes rebuilding the model, aligning reporting, and giving leadership a clear view of how long the company can operate under different scenarios.
The goal isn’t just to track cash – it’s to use it intentionally.
It’s the process of tracking and forecasting how cash moves through a startup, especially in relation to burn rate, runway, and funding timing. The goal is to understand how long the business can operate under different scenarios, not just today’s balance.
Start with visibility. Build a short-term cash forecast, tighten how receivables are managed, and understand where timing gaps are creating pressure. Most improvements come from small operational changes, not drastic cost cuts.
It provides forecasting, visibility, and ongoing guidance. More importantly, it helps leadership understand what decisions are affordable – and which ones create risk – based on actual cash position.
Use a rolling forecast built on real inputs – sales cycles, payment timing, expenses, and seasonality. Static spreadsheets break quickly. The model needs to be updated regularly to stay useful.
A fractional CFO builds and maintains your cash flow model, but more importantly, helps interpret it. They connect cash to decisions – so hiring, spending, and growth plans are made with a clear understanding of impact.