Stop treating AP as a back-office chore. Turn it into a Working Capital engine with the US Fractional CFO Alliance.
You can buy the best software in the world, but software cannot negotiate with a vendor, detect subtle fraud patterns, or decide when to hold cash for an upcoming payroll.
Most business owners look for accounts payable outsourcing because they are tired of the paperwork. They want the headache to go away. We believe you deserve more than just “data entry.” You deserve financial leadership.
At the US Fractional CFO Alliance, we don’t think processing invoices is enough – a payables strategy preserves your liquidity. We pair you with experienced financial executives who oversee the entire AP function, ensuring your cash outflows support your growth strategy, not hinder it.
Why AP is Your Biggest Working Capital Lever
Most providers view Accounts Payable as a simple administrative burden — a stack of bills to be paid. We view AP as a strategic instrument for liquidity. When you treat AP as data entry, you risk bleeding cash. When you apply CFO-level oversight to the process, AP becomes a tool to optimize your Working Capital Cycle.
Here is how a Strategic CFO transforms your payables:
Optimizing DPO (Days Payable Outstanding): Automation software pays bills based on rules, but it lacks nuance. A strategic CFO analyzes your cash conversion cycle to extend DPO without damaging vendor relationships. This keeps cash in your bank account longer—effectively creating an interest-free loan for your business.
Cash Flow Forecastingvs. Historical Reporting: Standard outsourcing providers tell you what you spent last month. Our Alliance members use your AP data to predict what cash you will need next month. This forward-looking approach prevents liquidity crunches before they happen.
Strategic Vendor Management: We don’t just process invoices; we analyze them. A Fractional CFO reviews your vendor contracts to renegotiate terms (e.g., moving from Net-30 to Net-45 or capturing 2/10 Net 30 discounts), directly impacting your bottom line.
The Advantages of Outsourcing Accounts Payable
Why move this function out of house? Beyond the obvious time savings, outsourcing accounts payable functions to a CFO-led team provides three critical safeguards that an in-house bookkeeper cannot offer:
1. Fraud Prevention & Internal Controls
Internal fraud is most common in small teams where one person controls the checkbook. Our members implement strict segregation of duties. The person engaging the vendor is never the person approving the payment. This “CFO-grade” control environment dramatically reduces the risk of theft or phantom vendors.
2. Elimination of “Hidden” Costs
Hiring a full-time AP clerk is expensive when you factor in benefits, turnover, and training. By outsourcing, you convert a fixed payroll cost into a variable service cost that scales with your volume.
3. A Dramatic Decrease in Accounts Payable Errors
Duplicate payments and coding errors distort your financial statements. Our members use rigorous validation processes to ensure every dollar is accounted for correctly, giving you clean financials for investors or banks.
Our “End-to-End Accounts Payable Process”
We believe in transparency. Unlike “black box” solutions, you maintain control while we handle the execution.
Capture & Digitalization: Invoices are routed directly to a secure, central hub (removing paper from your desk).
Coding & Validation: A financial specialist codes the expense to the correct GL account and validates it against the purchase order or contract.
Strategic Approval Workflow: You (or your designated manager) receive a simplified approval request. You see the strategy, not the mess.
Payment Execution: Once approved, payments are released according to the cash flow schedule determined by your CFO.
Reconciliation: We ensure the bank feeds match the ledger perfectly every month.
The Human Touch vs. The Machine
Why not just use software like Ramp, Tipalti, or Bill.com?
Who said no? We love software—but software is a tool, not a strategy.
Software will happily pay a vendor 20 days early, hurting your cash flow.
Software cannot call a vendor to dispute a charge.
Software cannot advise you to hold a payment because a large customer deposit is delayed.
Our Alliance members act as the Human Overlay on top of your technology stack. We ensure the software serves your business goals, not the other way around.
Because every business has different transaction volumes and complexities, we do not offer “cookie-cutter” pricing. Instead, the US Fractional CFO Alliance matches you with a member firm based on the level of support you need:
The Oversight Model: Your team processes the bills; a Fractional CFO reviews the weekly run and manages cash flow timing.
The Full-Service Model: Our member firms handle the entire lifecycle — from invoice receipt to payment execution — providing a complete outsourced accounts payable service.
The Turnaround & Cleanup: Best for companies with a backlog of messy data that need a “Financial SWAT Team” to clean up the books before a sale or audit.
Find Your Strategic Financial Partner
Don’t settle for a software login or a data-entry clerk. Get a partner who watches your money as closely as you do.
Managed Accounts Payable Outsourcing & Strategic Oversight
Stop treating AP as a back-office chore. Turn it into a Working Capital engine with the US Fractional CFO Alliance.
You can buy the best software in the world, but software cannot negotiate with a vendor, detect subtle fraud patterns, or decide when to hold cash for an upcoming payroll.
Most business owners look for accounts payable outsourcing because they are tired of the paperwork. They want the headache to go away. We believe you deserve more than just “data entry.” You deserve financial leadership.
At the US Fractional CFO Alliance, we don’t think processing invoices is enough – a payables strategy preserves your liquidity. We pair you with experienced financial executives who oversee the entire AP function, ensuring your cash outflows support your growth strategy, not hinder it.
Why AP is Your Biggest Working Capital Lever
Most providers view Accounts Payable as a simple administrative burden — a stack of bills to be paid. We view AP as a strategic instrument for liquidity. When you treat AP as data entry, you risk bleeding cash. When you apply CFO-level oversight to the process, AP becomes a tool to optimize your Working Capital Cycle.
Here is how a Strategic CFO transforms your payables:
The Advantages of Outsourcing Accounts Payable
Why move this function out of house? Beyond the obvious time savings, outsourcing accounts payable functions to a CFO-led team provides three critical safeguards that an in-house bookkeeper cannot offer:
1. Fraud Prevention & Internal Controls
Internal fraud is most common in small teams where one person controls the checkbook. Our members implement strict segregation of duties. The person engaging the vendor is never the person approving the payment. This “CFO-grade” control environment dramatically reduces the risk of theft or phantom vendors.
2. Elimination of “Hidden” Costs
Hiring a full-time AP clerk is expensive when you factor in benefits, turnover, and training. By outsourcing, you convert a fixed payroll cost into a variable service cost that scales with your volume.
3. A Dramatic Decrease in Accounts Payable Errors
Duplicate payments and coding errors distort your financial statements. Our members use rigorous validation processes to ensure every dollar is accounted for correctly, giving you clean financials for investors or banks.
Our “End-to-End Accounts Payable Process”
We believe in transparency. Unlike “black box” solutions, you maintain control while we handle the execution.
The Human Touch vs. The Machine
Why not just use software like Ramp, Tipalti, or Bill.com?
Who said no? We love software—but software is a tool, not a strategy.
Our Alliance members act as the Human Overlay on top of your technology stack. We ensure the software serves your business goals, not the other way around.
Accounts Payable Outsourcing Pricing & Engagement Models
Because every business has different transaction volumes and complexities, we do not offer “cookie-cutter” pricing. Instead, the US Fractional CFO Alliance matches you with a member firm based on the level of support you need:
Find Your Strategic Financial Partner
Don’t settle for a software login or a data-entry clerk. Get a partner who watches your money as closely as you do.
Request an Intro Call with one of our CFOs
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