Advise · Fractional CFO
You can't grow what you can't see in your numbers.
Most established businesses run on financials that arrive late, answer the wrong questions and can't stand up to a lender's or buyer's scrutiny. A fractional CFO gives you senior financial leadership, with AI taking the manual work out of reporting, so every decision starts with numbers you trust.
For owner-led companies preparing for growth, financing or a future sale.
Your accountant looks backward. Growth needs someone looking forward.
- The month closes weeks late, so decisions run on instinct.
- Cash surprises show up after the fact.
- Nobody can say which locations, services or customers actually make money.
- A lender or buyer asks for numbers, and it takes a month to produce them.
Bookkeeping records what happened. A CFO decides what happens next.
What you get
Senior financial leadership, built for the next stage of your business.
Reporting and controls you can trust.
Timely monthly financials, a KPI scorecard leadership actually uses, and the controls that keep the numbers clean.
Cash flow and forecasting.
A rolling cash forecast, a working budget and scenario plans, so you see problems and opportunities before they arrive.
Profitability by location and service line.
Know exactly which parts of the business earn their keep, and where margin is quietly leaking.
Capital readiness.
Lender-ready financials, a financial model and investor materials that make your business easy to say yes to.
Exit readiness.
Value drivers, quality-of-earnings preparation and a clean data room, so a buyer pays for everything you built.
AI-powered finance operations.
Our engineers automate the close, receivables follow-up and live dashboards, so your team spends time on decisions instead of spreadsheets.
Funding and incentives.
Tax credits, accelerated deductions and state incentives your business may qualify for. See Funding & Incentives →
More than bookkeeping. Less than a full-time hire.
| Bookkeeper or outside accountant | Full-time CFO | DigitalOS Fractional CFO | |
|---|---|---|---|
| Focus | Recording and compliance | Strategy and leadership | Strategy and leadership |
| Looks | Backward | Forward | Forward |
| Cost | Low | Senior salary, benefits, often equity | A fraction of a full-time hire |
| Automates the finance work | Rarely | Rarely | Yes, with our own engineers |
| Connected to revenue | No | Sometimes | Yes, alongside our Fractional CRO |
Who leads it
Senior finance leadership from the DigitalOS team. Meet the Advisory Team →
Who it's for
- Multi-location operators and franchise groups
- Dental, medical and other practice groups considering a partner or a sale
- Home services and professional firms whose revenue has outgrown their finance function
- Owners planning a raise, an acquisition or an exit in the next few years
Is this a fit?
It's a fit if
Your revenue has outgrown your books, you want a monthly meeting where the numbers drive decisions, and you're planning for financing, an acquisition or a sale.
It's not a fit if
You only need bookkeeping or tax preparation. We work alongside your accountant; we don't replace them.
Common questions
What does a fractional CFO do?
A senior finance executive, part-time, who owns your reporting, cash planning, forecasting and financial strategy without the cost of a full-time hire.
Do you replace our accountant or CPA?
No. Your accountant keeps tax preparation and filings. We give them cleaner books and give you forward-looking leadership.
Can you help us raise capital or sell the company?
We prepare the business, the numbers and the materials. Where a transaction requires a licensed broker-dealer or another licensed professional, it is handled by appropriately licensed parties.
Where does AI fit?
AI handles the repetitive finance work: reconciliations, follow-up on receivables and building reports. Your people keep the judgment calls.
How is it scoped and priced?
Every engagement is scoped to your goals. Pricing is covered on the call.
Find out what your numbers are really telling you.
Start with a quick finance check. We'll look at how your numbers are produced today and where better visibility would change your next decision.
DigitalOS does not provide tax, legal or investment advice and is not a broker-dealer. Tax filings and securities transactions are handled by appropriately licensed professionals.