Fractional CFO Service
Strategic finance leadership, without the full-time salary
A dedicated CFO for cash flow, forecasting, board reporting, and fundraising-ready financials — on a flat monthly retainer with no equity or full-time overhead.
Mahaveer Inani
Founder & CEO
CREDENTISLA & CERTIFICATIONS
Backend By Recognized Industry Bodies
Certified Public Accountant (US CPA)
Chartered Accountant
Cost Accountant
IRS Enrolled Agent (EA)
QuickBooks ProAdvisor
Xero Certified
Five outcomes owners tell us matter most
Not a feature list — the actual shifts business owners notice within their first few months on the monthly plan.
You can see 12 months ahead, not just last month
A rolling cash flow forecast is rebuilt monthly, so runway and burn are never a guessing game.
You walk into every board meeting fully prepared
A polished package — KPIs, financials, and a clear narrative — lands in your inbox days before the meeting, never the night before.
Your fundraising reports are ready before investors ask
Financial statements, forecasts, and reporting packages are built ahead of time, not assembled in a panic once a raise starts.
You know which decisions actually move margin
Pricing, hiring, and spend decisions get modeled before they’re made, not evaluated after the fact.
You get a senior finance voice in the room
A CFO experienced in building forecasts and reports joins your leadership calls, not just your spreadsheets.
What’s Included
Every plan comes fully managed
No add-on modules to piece together — this is what happens every month, on every plan.
Rolling Cash Flow Forecast
A 13-week and 12-month forecast rebuilt every cycle, tracking runway, burn rate, and the scenarios that change them.
Monthly Board Package
KPIs, financials, and a written narrative, ready to send before every board meeting.
Budget & Financial Model
An annual budget and three-statement model, updated as your business changes.
Expense & Cost Analysis
Spend reviewed against budget every month, so costs never creep up unnoticed.
Fundraising Reports
Financial statements and investor-ready reports prepped ahead of your raise.
KPI Dashboard
The metrics that matter for your business, tracked and trended monthly.
Pricing & Unit Economics
Margin and unit economics modeled before pricing or packaging changes.
Financial Statement Analysis
P&L, balance sheet, and cash flow reviewed monthly for trends, risks, and opportunities.
How we work
From signup to your first board package
Quick Chat
We learn about your business and where you need the most help.
Look at Your Numbers
We review what you have so far — books, past reports, anything useful.
Build Your Plan
We put together your cash forecast, budget, and key numbers to track.
Set Your Schedule
We agree on when you'll get your monthly report, in a format that works for you.
Stay On Track
Your CFO checks in every month — reporting, planning, and adjusting as you grow.
Client Results
From a spreadsheet with no forecast to investor-ready reporting
A 22-person SaaS company came to us with no formal forecast and a board that had lost confidence in the numbers. Every board meeting felt like a scramble, and nobody could say with confidence what runway actually looked like.
Within one quarter, they had a rolling 12-month forecast, a monthly board package delivered like clockwork, and a full set of financials ready the moment investors asked. Board meetings now start with confidence in the numbers, not questions about them.
Monthly Board Package
Delivered on schedule, every cycle
Rolling 12-Month Forecast
Rebuilt and reviewed every month
Investor-Ready Reports
Prepared in advance, not under pressure
Why Firms Choose Us
What sets a Smartledger engagement apart
| Without a CFO | With a CFO | |
|---|---|---|
| How much cash do we have left? | A rough guess, updated when it's tight | A clear forecast, updated every month |
| Should we raise our prices? | A gut call, hoped for the best | Tested against your margins first |
| An investor asks for updated financials | Scrambled together at the last minute | Ready to send, always current |
| Getting ready for a board meeting | A late night pulling numbers together | A clean report, ready ahead of time |
| Setting up systems as you grow | Approvals and checks patched together late | Processes in place before your team outgrows them |
| Who's watching the finances? | You, on top of everything else | A dedicated CFO, watching it for you |
| What if sales slow down? | Find out when it happens | A backup plan is already in place |
| Explaining the numbers to your board | You're on your own in the room | Your CFO is right there with you |
Protecting What Matters Most:
Your Data's Safety Is Our Top Priority
Your financial data is protected with encrypted cloud storage, restricted team access, secure authentication and signed confidentiality agreements. Every layer of our security infrastructure is designed to safeguard your information so you can focus on growing your business with complete confidence.
Who We Serve
Built for the way your industry runs
Our bookkeepers specialize by industry, so your books reflect how your business actually operates.
Real Estate
Property-level P&L, CAM reconciliations
Property Management
Tenant billing, maintenance & escrow tracking
Construction
Job costing, WIP schedules, AIA billing
Retail and E-Commerce
Multi-location, POS, inventory & tax nexus
Manufacturing
Cost accounting, BOM & inventory valuation
Automotive
Dealer metrics, service, parts & warranty
Professional Services
Utilization rates & project-based billing
Rental Accounting
Lease tracking, security deposits & yield
Law Firms
IOLTA trust accounting, partner draws
Tech / SaaS / Startups
ARR/MRR metrics, deferred revenue & burn
Healthcare & Medical
Practices, clinics & medical groups
Food & Beverages / Restaurants
F&B costing, labor & prime cost control
CPA / Accounting Firms
White-label back-office & capacity scaling
Travel & Hospitality
Agency commissions, booking & tour auditing
Technology
Fluent in every modern accounting platform.
Our teams work natively in the tools you already use — and can migrate you to a modern cloud stack when it’s time to scale.
Get started
A top-tier CFO, ready to work with you this month
Book a free 30-minute consultation and we’ll recommend the right plan for your stage and goals.
FAQ’S
The Answers You're Probably Looking For
The questions that matter most when choosing a finance partner — clearly answered.
How many hours does my CFO actually spend on my business?
Time is billed hourly against the work that actually needs doing — modeling, board prep, and calls — so you only pay for the hours your business needs that month.
Will my CFO help with an actual fundraise?
We prepare the reports investors ask for — financial statements, forecasts, and deck financials. We don’t run the raise itself or negotiate terms.
Can you help set up our financial processes, not just report on them?
Yes — we put the approvals, checks, and month-end close process in place so things stay in order as your team grows, not just report on what already happened.
Will my CFO actually join board or investor calls?
Yes — your CFO can sit in on board and investor calls with you, explaining the numbers directly instead of leaving you to translate the report alone.