FinTeam Business Consulting
Fractional CFO services

Financial complexity, simplified.

Strategic CFO partnership for $1M to $30M businesses, backed by FP&A analysts, controllers, and bookkeepers. We embed into your business to drive profitability, manage cash flow, and build the financial clarity you need to lead with confidence.

P&L Q4 Cash (old) Cash_FINAL_v3 Cash_FINAL_v3_use_this
A
B
C
D
E
1
Revenue
Oct
Nov
Dec
???
2
Sales
72,400
#REF!
84,100
??
3
COGS
42500?
48,200
#DIV/0!
4
Payroll
see tab 2
18,750
18,750
5
Rent
4,200
4,200
4200+?
6
Marketing
#NAME?
~3k
#REF!
7
Net income
-???
#REF!
#DIV/0!
ask Drake
8
^ not sure
Four tabs. Three formulas broken. One question mark too many.

Five common signals it's time for CFO-level leadership.

If any of these sound familiar, we should talk.

Poor cash flow visibility

We implement forecasting and cash management so you always know where you stand.

Low or eroding profitability

We identify cost leaks, optimize margins, and build a path to sustainable profitability.

No strategic financial leadership

We guide company leadership with CFO-level financial wisdom for key decision making.

Unreliable data, reactive decisions

We deliver clean, timely reporting so decisions are based on facts, not guesswork.

Unclear or inefficient capital structure

We analyze your debt and equity mix to ensure your capital structure supports the business, not strains it.

Trusted by business owners across industries
General contractors Trade professionals Financial services Manufacturing Real estate management Food & beverage

"Before working with FinTeam, our books were out-of-tune: noisy, inconsistent, and impossible to rely on. We now have a symphony of numbers that are reviewed, verified, and aligned."

Dan Walsh

"Drake is genuinely enthusiastic about my business. He's not just about the numbers; he's made great introductions and keeps me informed about things that could affect the business."

Kim Cruickshanks

"Drake simplifies financial complexities for our whole team so that we can get everyone rowing in the same direction."

Paul Meadows

We show you the value before you commit.

Before any engagement begins, we run a Drake Check: a structured A-through-F assessment across five pillars of your financial health. You see the findings, the proposed scope, and the value before you decide whether to work with us.

Most fractional CFO firms ask you to sign a contract and then tell you what's wrong. We do it the other way around. Combined with month-to-month billing and no minimum commitment, there's no risk in finding out whether we're the right fit.

Each pillar is graded and explained in plain English, with specific recommendations tied to the issues we find.

Schedule your Drake Check
Drake Check — five pillars
Sample
Accounting
Reliability of books & records
B
Financial leverage
Debt structure & capital mix
C
Operational leverage
Fixed vs. variable cost structure
B
Profitability
Margins, spend discipline, earnings
D
Cash flow
Liquidity, reserves, working capital
A
Overall health
B-

Three things most fractional CFOs don't do.

There are plenty of fractional CFO firms. These are the three things that consistently set us apart.

01

A custom playbook, built during the Drake Check

Every client gets our proven monthly framework plus a 30/60/90-day playbook built for their specific goals. You know exactly what we're doing, when, and why.

02

A full pod, not just a CFO

CFO, FP&A analyst, controller, and bookkeeper working as one team. Strategic thinking and the operational execution to back it up, without hiring four people.

03

Values-based, biblically-rooted guidance

We believe finance is about stewardship. Excellence, trustworthiness, and humility shape how we handle your money, your team, and your decisions.

Your CFO. Your team. Your growth.

Fractional CFO services backed by FP&A analysts, controllers, and bookkeepers. Here's what that looks like in practice.

Forecasting & budgeting

Rolling 12-month forecasts, monthly budget-to-actuals with narrative, and scenario modeling for major decisions.

Cash flow management

Weekly or monthly cash forecasting, working capital optimization, and early warnings when trajectory changes.

Custom financial packages

Customized reporting, KPI tracking, and financial package delivery tailored to your industry and stakeholders.

Strategic planning & FP&A

Capital structure management, M&A advisory (non-brokerage), and the strategic thinking that moves the needle.

Stakeholder & investor relations

Board meeting reports, MD&A preparation, and direct CFO communication with your banks and investors.

Industry benchmarking & KPI frameworks

Deeper insights through industry associations and peer benchmarking, with custom KPI frameworks that show you how you're really performing.

Three tiers. All customizable.

Every tier includes values-based guidance, month-to-month billing, and no minimum commitment. We scope pricing to your business after the Drake Check.

Good

Essential

Ideal for businesses ready for proactive financial management and strategic guidance.

Your team: CFO + FP&A Analyst
What's included
  • Values-based, biblically-rooted guidance
  • Monthly cash flow forecasting & budgeting
  • Custom financial packages & KPI tracking
  • Strategic planning & FP&A
  • Stakeholder & investor relations prep
  • Monthly meetings & video summaries
  • Tech stack consulting
  • Annual FinTeam Wrapped report
Solves: low profitability, poor cash flow
Get started
Best

Signature

Ideal for larger or complex businesses seeking a full strategic financial partnership.

Your team: CFO + FP&A Analyst
Everything in Advanced, plus
  • Weekly meetings + on-demand advisory
  • Multi-entity & multi-state solutions
  • Fundraising & capital markets support
  • Risk management & mitigation
  • Board & stakeholder reporting
  • Change management & staff training
  • Strategic vendor selection
Solves: multi-entity complexity, stakeholder management
Get started

Need something more specific? All tiers are customizable with à la carte add-ons including bookkeeping, controller services, weekly cash flow forecasting, cost accounting, tech stack implementation, owner education, and one-time book cleanup.

Talk to us →

Architecting financial clarity.

Case study · Faith-based wealth management

From break-even profitability to 1.8× valuation in 24 months.

A $300M AUM wealth management firm had the client relationships but was operating at near break-even despite strong revenue. We rebuilt liquidity, profitability governance, and forward visibility from the ground up.

Structure
LLC (S-Corp)
Scale
$300M AUM / $2.5M revenue
Engagement
2023–present
Cash Flow Management
Expense Management
Managerial Insight
Read the full case study
Business valuation
$4.86M → $8.75M
1.8×
Adj. EBITDA margins
9% → 18%
2.0×
Owner cash comp
$291,535 → $615,210
2.1×

Not ready to schedule? Start here.

Use our free cash flow tool to get a quick read on where your money is actually going. No sign-up required.

Where's my money going?

Find the cash leaks before they find you.

Most business owners can tell you their revenue to the dollar and have almost no idea where that revenue actually goes. Our free cash flow tool walks you through a structured view of your expenses so you can see what's eating your margin.

  • Takes about five minutes to complete
  • Identifies your three largest categories of spend
  • Shows where you're above or below industry norms
  • No email capture, no sign-up, no catch
Try the cash flow tool
Cash flow snapshot
Sample output
Monthly revenue$125,000
Payroll & contractors-$48,200
Software subscriptions-$6,830
Rent & utilities-$8,400
Marketing & ads-$12,500
Other operating-$18,740
Net cash flow+$30,330

Questions we hear on every call.

Do you replace our bookkeeper or work alongside them? +

Either one. We can work with your existing bookkeeper and provide controller oversight, or we can bring in our own bookkeeping team as an add-on. Most clients start with oversight and move to our team once they see the difference in quality.

What happens once we start working together? +

In your first month, you'll receive a monthly financial package, a clean monthly close, and a KPI dashboard. From there, we kick off recurring strategic meetings and execute against a custom 30/60/90-day playbook that we build specifically for your business during the Drake Check. We have a proven framework for what every client gets, and we go a step further by creating a playbook tailored to your specific goals, so the work we do every month is tied directly to the priorities we identified together up front.

How is this different from a bookkeeper who gives advice? +

A bookkeeper records what happened. A CFO tells you what to do next. We do both, but the strategic thinking is what you're paying for: forecasting, scenario modeling, board-level reporting, and decision support on the calls that actually move the needle.

What's the minimum commitment? +

None. We bill month-to-month with no minimum term. We believe you shouldn't be able to make a decision on working with us until you can see the value, which is why we lead with the Drake Check.

Can I get CFO services without the bookkeeping? +

Absolutely. That's how we originally started. Our CFO services stand alone and work with whatever bookkeeping setup you already have, as long as the books are reliable. If they're not, we'll flag that in the Drake Check and show you options.

Ready to start your journey to financial clarity?

Let's build a financial roadmap that matches your vision. Schedule your Drake Check today.

Schedule your discovery call