Fractional CFO Advisory
Most growing companies need CFO-level judgement long before they can justify a full-time CFO. Our fractional CFO advisory gives you senior finance leadership for the decisions that need it, backed by a 38-person delivery team that keeps the numbers underneath accurate, closed on time and ready for the board.
What our fractional CFO services cover
- Financial strategy, annual budgets and rolling forecasts tied to your business plan
- Cash flow forecasting, working capital analysis and liquidity planning
- Board packs, management reporting and KPI dashboards
- Capital and debt financing support, from the financial model to lender and investor questions
- Financial controls, close discipline and audit readiness
- M&A due diligence, data rooms and transaction support
Fractional CFO services for growing companies
For owner-managed businesses, startups and growing groups, a full-time CFO is often more cost than the business can carry, while a bookkeeper alone leaves the big decisions without senior finance input. Our fractional CFO services sit in between. You get a senior finance lead who joins your management discussions, owns the forecast and the cash position, and explains what the numbers mean for the decision in front of you.
The engagement is sized to what you need now and can be scaled up or down as the business changes. You pay for the leadership you need, not a full-time executive package.
CFO leadership backed by a full finance team
An independent part-time CFO usually has to rely on whatever numbers already exist. Our CFO advisory sits on top of AJB's own delivery team: bookkeeping and month end close, FP&A and dashboards, tax and payroll, technical accounting and ERP. Strategic advice is only as good as the numbers beneath it, and we can own both, with senior review on every deliverable.
Cash flow, funding and lender support
Cash is where growing businesses get caught out. We build short-term cash forecasts and longer-range liquidity plans, analyse working capital, and flag pressure points before they become problems.
When you raise capital or debt, we build the three-statement integrated financial model with scenario and sensitivity logic, prepare the financial sections of information memoranda and board materials, and support you through lender and investor questions and due diligence.
Board and investor reporting
Boards and investors want the same things: accurate numbers, on time, with commentary that explains what changed and why. We prepare board packs and management reports with budget versus actual analysis, KPIs and written commentary, support audit committee reporting, and build executive dashboards in Power BI or Tableau that refresh from your accounting system.
Transactions, systems and growth
Growth brings new entities, new countries and new systems. We support M&A due diligence, data-room preparation and post-acquisition accounting, run group consolidation and multi-jurisdictional reporting under IFRS and US GAAP, and lead finance system decisions, including Oracle NetSuite and SAP implementations.
Fractional CFO support for CPA and advisory firms
Firms offering advisory or fractional CFO services to their own clients can use our team as the analytical engine behind that work: models, forecasts, board packs and dashboards prepared to your standards and delivered white label, under your firm's name.
Who leads the work
Fractional CFO engagements are led by Asim Javed Bhatti, CEO, who has held CFO and Group Financial Controller roles across four countries, with direct ownership of group consolidation, multi-jurisdictional reporting, M&A due diligence, capital and debt financing, and board and audit committee reporting.
Frequently asked questions
What is a fractional CFO? +
A senior finance leader who works with your business part time or on a defined scope, providing CFO-level strategy, reporting and decision support without the cost of a full-time hire.
When does a business need fractional CFO services? +
Common triggers are raising capital or debt, preparing for an audit or due diligence, fast growth or new entities, pressure on cash, or a board and investors asking for better reporting.
How is a fractional CFO different from outsourced accounting? +
Outsourced accounting keeps the books accurate and closed on time. The CFO uses those numbers to plan, fund and steer the business. With AJB you can have both from one team.
Can you work alongside our existing finance team or accountant? +
Yes. We work in your systems and alongside your in-house team or external accountants, and agree clearly who owns what before work starts.
How is a fractional CFO engagement set up? +
It starts with a scoping call. Scope, time commitment, deliverables and fees in USD are then confirmed in writing before work begins.
Often combined with this service
Finance and Accounting Operations
Outsourced bookkeeping services, month end close, accounts payable and receivable outsourcing, and management reporting.
Learn more →Financial Due Diligence and M&A
Quality of earnings, net debt and working capital analysis, and financial modelling for buyers, sellers and their advisors.
Learn more →Business Valuation
Enterprise and equity valuations, purchase price allocation and impairment testing, built to stand up to auditors.
Learn more →CFO-level decisions, without the full-time cost
Tell us where the business is heading and we will show you how a fractional CFO engagement would support it.