Fractional CFO

Business Financial Group; United States; Remote; USD 17,000 - 33,000; Part time

Job summary

Business Financial Group (BFG) is seeking an experienced Fractional CFO to support a client engagement delivered through a partner advisory firm. This remote, part‑time role focuses on improving cash flow visibility, forecasting reliability, and actionable financial analysis for management decisions.

The successful candidate will coordinate with the partner firm and the Fractional Controller, progressively leading weekly cash flow discussions and ensuring timely, concise reporting, all while

Qualifications

• Bachelor’s degree in accounting, finance, or related field.
• Significant finance leadership experience (CFO or fractional CFO) for U.S. businesses.
• Proficiency in cash flow management, forecasting, and variance analysis.
• Strong knowledge of QuickBooks Online and basic debt and AR/AP analysis.
• Experience with Clockwork forecasting software and advanced Excel/Google Sheets.
• Clear professional English and ability to lead management discussions.

Responsibilities

• Oversee cash flow and liquidity, monitor bank balances and near‑term commitments.
• Prepare weekly cash flow summaries and lead discussions per transition plan.
• Maintain financial projections in Clockwork and tie weekly forecast to bank.
• Coordinate financing packages and respond to lender reporting needs.
• Track actions in a 90‑day plan and align with partner firm branding.
• Ensure confidentiality and document work with time charging against allocation.

Skills

Cash flow management

Financial forecasting

Variance analysis

QBO proficiency

Excel/Google Sheets

Communication

Education

Bachelor’s degree in accounting/finance

CPA / CMA / MBA preferred

Tools

Clockwork

QuickBooks Online

Excel

Google Sheets

Slack

Job description

Work arrangement: Remote, with availability for scheduled U.S. business-hour meetings

Time commitment: 15-20 monthly hours; additional availability may be needed during initial stabilization

Compensation: To be discussed based on experience and agreed scope

About Business Financial Group

Business Financial Group (BFG) provides accounting, tax, payroll, and financial advisory services to U.S. businesses. We are seeking an experienced Fractional CFO to support a client engagement delivered through a partner advisory firm.

Role overview

The Fractional CFO will strengthen the client’s weekly cash flow visibility, improve forecasting reliability, and provide clear financial analysis for management decisions. This hands‑on advisory role requires close coordination with the partner firm, BFG’s Fractional Controller, and the client’s accounting team. The professional will progressively assume leadership of recurring cash flow meetings under the partner firm’s oversight.

Key responsibilities

Cash flow and liquidity oversight

Review bank balances, expected customer collections, vendor payments, debt obligations, and other near‑term cash commitments; identify liquidity risks and decisions requiring management attention.

Prepare a concise, one‑page weekly cash flow summary before the scheduled Monday review meeting, with practical recommendations and follow‑up actions.

Participate in weekly cash flow reviews and progressively lead the discussions in line with the agreed transition plan.

Forecasting and financial data reliability

Review and maintain financial projections in Clockwork, perform weekly forecast‑to‑bank tie‑outs, and investigate material differences between projected and actual cash balances.

Review recurring obligations, assumptions, and forecast mappings; coordinate corrections with the Fractional Controller and monitor reconciliation against agreed variance tolerances.

Monitor the timeliness and completeness of customer invoices and vendor bills in QuickBooks Online (QBO). Escalate material delays affecting forecasts to the partner firm on the same business day.

Financial analysis and financing support

Support the Fractional Controller with analytical reviews of loan balances, advances, repayments, accrued interest, and inventory balances; identify discrepancies and their reporting implications.

Coordinate a financing support package comprising trailing twelve‑month profit and loss, current balance sheet, year‑to‑date financial statements, debt schedule, accounts receivable aging, and a 13‑week cash flow projection.

Review the package for apparent inconsistencies and submit it to the partner firm for review and authorization before external distribution.

Action tracking and collaboration

Maintain the 90‑day financial action tracker before each weekly meeting, documenting progress, overdue actions, dependencies, and decisions needed.

Coordinate financial findings and executive communications with the partner firm; work effectively within its branding and client communication arrangements.

Maintain confidentiality, document work and recommendations, track time against the agreed allocation, and promptly flag additional capacity needs.

Required qualifications and experience

Bachelor’s degree in accounting, finance, or a related discipline.

Substantial progressive finance experience, including responsibility as a CFO, Fractional CFO, Finance Director, or equivalent senior financial advisor serving U.S. businesses.

Demonstrated hands‑on expertise in cash flow management, short‑term liquidity planning, financial forecasting, and explaining forecast variances.

Strong working knowledge of QBO, financial statements, U.S. accounting practices, debt schedules, and accounts receivable and payable analysis.

Experience with Clockwork or comparable forecasting software, with the ability to work independently in Clockwork following onboarding; strong Excel or Google Sheets skills.

Clear professional English, confidence leading management discussions, sound judgment, and the ability to turn financial findings into practical recommendations.

Ability to deliver reliably within a limited monthly allocation, attend recurring meetings, and respond promptly during agreed communication windows.

Preferred qualifications

CPA, CMA, CA, MBA in Finance, or a comparable professional qualification.

Experience preparing lender reporting packages, supporting financing applications, and advising businesses with liquidity constraints.

Experience with inventory-based businesses, manufacturing, beverage production, or spirits; familiarity with Proof 8 is an advantage.

Prior fractional advisory or outsourced finance experience and collaboration through Slack and shared Google Drive workspaces.

Working relationships and scope

The role focuses on cash flow advisory, forecasting oversight, and financial analysis. The Fractional Controller retains ownership of month‑end close, accounting reconciliations, and adjustments. The partner firm retains the client relationship, overall financial strategy, financing negotiations, long‑term planning, and exit advisory. Additional responsibilities require an agreed scope change.