The practical question
Do you need a CFO yet?
A CFO looks forward at cash, pricing, and major decisions while your bookkeeper looks back at what already happened.
You may be ready if growth is making the numbers harder to run.
A fractional CFO is useful when the business is moving fast enough that cash, margin, lenders, and expansion need more attention than an owner can reasonably give them alone.
Sales are up, but cash is tight
You need a view of what is due, what is coming in, and where pressure is building.
The bank wants projections
You are seeking a loan, managing a covenant, or need to explain the plan with confidence.
A bigger move is ahead
A second location, equipment purchase over $250,000, management layer, acquisition, or investor conversation is near.
Margin is a guess
You price work, products, or locations without knowing which ones are truly carrying the business.
Why part-time
The level of thinking you need, sized for the work in front of you.
A full-time CFO in the Upstate typically costs $200,000 to $275,000 a year with benefits. Most businesses at this stage need two to four days of CFO time a month, applied to the right questions with a steady operating rhythm.
If you are under about $1M in revenue or your books are not closed every month, a good bookkeeper comes first. We will tell you that plainly on the call.
A useful first conversation
Bring the question that is keeping you up at night.
Thirty minutes with Teodora, by phone or video. If it is a fit, you will have a written proposal within three business days.
Book a discovery call