Financial leadership for businesses that have outgrown their accounting.
Your financial statements tell you what happened. A fractional CFO helps you understand what happens next.
Valor provides ongoing financial management and CFO advisory for established businesses that need more than traditional accounting and tax services but aren't ready to hire a full-time CFO.
Starting at $2,500/month
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At some point, running the business by looking at the bank balance and last month's P&L isn't enough.
Revenue is growing. Payroll is larger. Cash gets tight even when the business is profitable. Major purchases require analysis. Hiring decisions affect the forecast. And you need to know not just what happened last month, but what your financial picture looks like six months from now.
That's where a fractional CFO relationship can help.
Valor works with established businesses to provide ongoing financial insight, forecasting, analysis, and decision support, without the cost of hiring a full-time CFO.
We don't just prepare financial statements. We review them with you and focus on what changed, why it changed, and whether it requires action.
Profit and cash aren't the same thing. A business can be profitable and still run into a cash crunch.
We'll help you understand where your cash is going and what your cash position is likely to look like in the weeks and months ahead.
Major business decisions deserve more than a gut feeling.
We'll help you evaluate the financial impact of decisions such as:
Every month, we look at the business, not just the books.
We review your financial results, identify significant changes, and investigate the variances that matter.
We update the financial outlook and identify upcoming cash needs, opportunities, and potential problems.
We meet with you to talk through what the numbers mean and what decisions need to be made.
You leave with a clearer understanding of your financial position and the actions that deserve your attention.
A full-time CFO typically costs $200,000+ a year, and that may not make sense for your business yet. That doesn't mean you should make major financial decisions without CFO-level analysis.
A fractional CFO gives you ongoing access to financial leadership at a level that fits the size and complexity of your business, at a fraction of the cost of a full-time hire.
Traditional Accounting
Records what happened.
Fractional CFO
Helps you understand what happened, why it happened, what's likely to happen next, and what you should do about it.
Financial decisions don't happen in a vacuum.
Buying equipment affects cash flow, depreciation, and taxes. Hiring affects payroll, profitability, and cash. Growing faster may require additional working capital. Changing owner compensation affects both the business and the owner's tax position.
Because Valor combines CPA, tax planning, and CFO advisory services, financial decisions can be evaluated from both the business and tax perspectives.
That's the advantage of having your financial strategy and tax strategy working together.
Construction companies have financial challenges that don't always show up clearly on a monthly P&L.
Valor's experience working with contractors allows CFO analysis to incorporate the financial realities of the construction business, including:
Job profitability, gross margin trends, work in progress, retainage, accounts receivable, equipment purchases, payroll and crews, subcontractors, project timing, working capital, and cash flow swings.
Your books tell you what happened on the job. CFO analysis helps you understand what the next jobs may do to the business.
A fractional CFO relationship may be a good fit if:
It may not be the right fit if you primarily need bookkeeping, accounting cleanup, or tax preparation.
Starting at $2,500/month
Ongoing CFO relationships are customized based on the size and complexity of the business.
Typical engagements include:
Three-month initial engagement; month-to-month thereafter.
Dan personally leads every CFO engagement, so Valor takes on a limited number of fractional CFO clients at a time.
Let's TalkA fractional CFO provides the financial leadership and analysis of a CFO on a part-time basis. Instead of hiring a full-time CFO, your business receives ongoing financial management and decision support based on its needs.
Bookkeepers and accountants primarily focus on recording and reporting financial activity. A CFO focuses on using that information to forecast, analyze performance, manage cash flow, and support business decisions. Valor combines both perspectives, allowing financial decisions to be evaluated alongside their tax implications.
Most engagements include a monthly management meeting, although meeting frequency depends on the needs and complexity of the business.
No. Valor doesn't provide bookkeeping. Your financial information needs to be accurate and current, and we'll work with your existing bookkeeper or accounting team. If you don't have one, we can refer you to a bookkeeper we trust.
Yes. Cash flow forecasting is a core component of the CFO relationship, including rolling forecasts designed to help you anticipate cash needs before they become problems.
Fractional CFO engagements start at $2,500 per month. The appropriate level of service depends on the size, complexity, and financial needs of the business. For comparison, a full-time CFO typically costs $200,000+ a year.
If you're relying on the bank balance, last month's P&L, and your gut to make important financial decisions, it may be time for a more structured financial process.
Let's talk about whether a fractional CFO relationship makes sense for your business.
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