CFO-level guidance on cash, pricing, budgets, and growth, without the cost of a full-time finance chief. We read your numbers with you, plan the months ahead, and give you a straight answer when the big decisions come up.
Where this helps
Somewhere between the first employee and the first million, most owners hit the same wall. The business is bigger than a bank balance and a gut check can steer, but it isn't ready for a full-time CFO's salary. So the decisions that shape the year (what to charge, when to hire, whether the cash is really there) get made on instinct.
A fractional CFO fills that gap. You get an experienced finance partner for the hours you actually need, whether that's a quarterly check-in or a standing seat at your biggest decisions.
Most owners don't need a full-time CFO. They need CFO-level thinking a few hours a month.
Sound familiar?
The reports say you made money, but the account is tight every month. Knowing where the cash actually goes is the first thing we sort out.
Costs went up and your prices didn't. Without a clear view of margins by product or service, it's hard to know what to raise and by how much.
You need help, but a new salary is a big commitment. A forecast shows what the hire costs, what it has to bring in, and when it pays for itself.
A loan, a line of credit, or a lease application wants budgets and forecasts you've never had to build. We put together numbers a lender takes seriously.
A profit and loss statement shows up every month, and it doesn't change a single decision. The numbers should tell you what to do next.
Growth is good, until April. Planning the tax year alongside the business plan means fewer surprises and a lighter bill by design.
What you get
No more guessing at the bank balance.
We build a rolling cash forecast from your real numbers, so you can see slow months, big bills, and tax payments coming and plan around them.
Targets you can steer by.
An annual budget built around your goals, compared to actual results every month, so you catch problems early and know when you're ahead.
Know what actually makes money.
We break down profitability by service, product, or customer, and help you price with confidence instead of matching the competition.
Straight answers when the stakes are high.
Regular meetings to review results and decide what's next, with tax planning built in, because the Enrolled Agent reading your numbers also plans your tax year.
Right-sized
A fractional CFO isn't all or nothing. Some San Antonio owners want a quarterly review and a sounding board. Others want a standing monthly meeting and help with every major decision. We scope the work to your business and adjust it as you grow, so you never pay for more than the business calls for.
Not sure where your business stands? Start with our guide on how to assess your business's financial health, or see how fractional CFO work fits with our CFO and tax advisory services.
Common questions
A fractional CFO is an experienced financial leader who works with your business part-time instead of as a full-time employee. You get the same kind of guidance on cash flow, budgeting, pricing, and strategy, scaled to the hours your business needs.
A bookkeeper records what happened and keeps the books accurate. A tax preparer files your returns based on those books. A fractional CFO uses the same numbers to look ahead: forecasting cash, setting budgets, and helping you make decisions. We offer all three, so they work from the same information.
Common signs are cash that feels tight even when you're profitable, a big decision coming up such as a hire, a loan, or a new location, or monthly reports that don't help you decide anything. If you're making major financial calls on instinct, it's worth a conversation.
It depends on what you need. Some clients meet with us quarterly, others monthly, with support in between when a decision comes up. We scope it together at the start and adjust as the business changes.
Accurate books make the guidance better, but they don't have to be perfect before we start. If they're behind, we get them current first, either with our bookkeeping team or by working with the person who keeps them today.
Yes. We prepare the budgets, cash forecasts, and financial statements lenders ask for, and help you understand how much you can comfortably borrow before you apply.
Our office is at 101 Sunflower Lane in San Antonio, and most of our clients are here in Bexar County and across Texas. We meet in person or online, so location is rarely a barrier.
The next step
Bring your questions on cash, pricing, or the year ahead. The first consultation is free, and you'll leave with a clear read on what to do next.
Kika Rogers, EA · Co-Founder & President
101 Business Center · 101 Sunflower Lane, San Antonio, TX 78213
(210) 884-5067 · info@sbsofsa.com · Hablamos español