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A complete CFO function — engaged the way your business needs.

From cash discipline and profitability to MIS, controls and fundraising, BizFractional delivers boardroom-quality finance leadership as a retainer, a focused project, or an advisory engagement — never as commodity accounting.

A confident business leader
01 — Leadership, planning & reporting

Strategic leadership & decision support.

01

Strategic Finance Leadership

Part-time CFO leadership for the decisions that shape your business — planning, capital allocation, board-style reviews and promoter advisory. We sit beside you in the decisions that matter and translate finance into clear, confident choices.

Deliverables

  • Monthly leadership & strategy reviews
  • Capital-allocation roadmap
  • Board / promoter reporting pack
  • Decision support on major moves

Business outcomes

  • Faster, better-informed decisions
  • A single source of financial truth
  • Confidence to commit to growth
Retainer or advisory
02

MIS & Management Reporting

The reporting backbone of a well-run business — monthly MIS, KPI dashboards and review packs that turn raw data into management insight, not just numbers, with the top 3–5 actions for next month made obvious.

Deliverables

  • Monthly MIS pack — what improved, what worsened & why
  • KPI dashboards (margin, EBITDA, DSO, inventory, ROCE)
  • Department-level scorecards
  • Clear next-month action list

Business outcomes

  • Real-time visibility
  • Decisions on data, not gut
  • Accountability across teams
Setup project + retainer
03

Budgeting & Forecasting

Annual budgets broken into monthly targets, rolling forecasts and scenario planning — so leadership always has a forward view and a plan, never a surprise.

Deliverables

  • Annual budget, phased by month
  • 6–12 month rolling forecast
  • Budget-vs-actual variance with actions
  • Scenario & sensitivity models

Business outcomes

  • Planning discipline
  • Early warning on misses
  • A credible plan for lenders & boards
Annual + ongoing
04

Business Performance Reviews

Structured monthly or quarterly reviews with leadership to track KPIs, risks and action plans at a boardroom standard — and to make sure last month's actions actually happened.

Deliverables

  • Review calendar & agenda
  • Performance & risk pack
  • Action register with owners
  • Follow-through tracking

Business outcomes

  • Disciplined execution
  • Risks surfaced early
  • Leadership aligned on priorities
Monthly / quarterly
02 — Cash, profit & capital

Stronger cash, sharper margins, smarter capital.

05

Cash Flow & Working Capital

The lifeblood of a growing business. We forecast cash, tighten the cash-conversion cycle, and release capital trapped in receivables, payables and inventory.

Deliverables

  • 13-week rolling cash forecast
  • DSO / DPO / inventory-day targets
  • Receivables & collection discipline
  • Liquidity & repayment plan

Business outcomes

  • Cash you can count on
  • Less reliance on costly debt
  • Capital released back into the business
Project + ongoing
06

Profitability & Margin Improvement

Find exactly where you make money — and where you quietly lose it. Product, customer, project and channel profitability, pricing support and cost-structure review.

Deliverables

  • Margin analysis by product / customer / region
  • Loss-making SKU & customer review
  • Pricing & discount policy
  • Cost & contract rationalisation

Business outcomes

  • Higher, more predictable margins
  • Confident, defensible pricing
  • Costs aligned to the value they create
Project
07

Banking & Lender Management

Get the most from your banking relationships — facility structuring, CMA support, covenant tracking and debt planning that lowers cost and strengthens lender confidence.

Deliverables

  • CMA data & banking submissions
  • Facility / limit optimisation (CC, OD, term loans)
  • Covenant & repayment tracking
  • Lender relationship support

Business outcomes

  • Lower interest cost
  • Stronger lender confidence
  • Right-sized, well-managed debt
Project + ongoing
08

Fundraising & Investor Readiness

Be ready before you raise. Financial models, projections, diligence support and investor-grade reporting that build confidence and command better terms — for debt or equity.

Deliverables

  • Financial model & projections
  • Investor / lender pack & data room
  • Ratio & stress testing (DSCR, interest cover)
  • Due-diligence support

Business outcomes

  • Raise on better terms
  • Faster, smoother diligence
  • Investor & lender confidence
Project
03 — Systems, controls & transformation

A finance function that scales without surprises.

09

Internal Controls & Governance

The guardrails that let you scale safely — financial SOPs, approval matrices, maker-checker controls and review mechanisms that cut leakage and risk.

Deliverables

  • Finance SOPs & policies
  • Approval / delegation matrix
  • Maker-checker controls
  • Leakage & risk review

Business outcomes

  • Fewer surprises & leakages
  • Audit-ready discipline
  • Governance that scales
Project
10

ERP & Finance Process Transformation

Make your systems work for you — finance process design, ERP reporting alignment, chart-of-accounts structuring and automation that removes manual effort and speeds up the close.

Deliverables

  • Process review (P2P, O2C, R2R)
  • Chart-of-accounts redesign
  • ERP / dashboard reporting alignment
  • Automation business case

Business outcomes

  • Faster closes & cleaner data
  • Less manual effort
  • Reporting that scales with growth
Project
How we engage

Two ways to bring a CFO on board.

11 — Retainer

Virtual CFO Retainer

Ongoing monthly CFO oversight for businesses that need a steady, senior hand on the numbers — reviews, MIS, cash, planning and decision support, billed as a predictable monthly engagement.

12 — Project

Project-Based CFO Advisory

A focused mandate with a defined outcome — fundraising, working-capital cleanup, pricing reset, MIS redesign, turnaround or transformation — scoped, delivered and handed over.

Deep-dive advisory

Focus Areas

Each is a defined engagement with specific deliverables and a proven methodology — not generic advice.

Finance Transformation advisory
Focus 01

Finance Transformation

From spreadsheet chaos to real-time visibility — month-end in days, shareable MIS, and a finance function that earns business trust.

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ERP and systems advisory
Focus 02

ERP & Systems

Vendor-neutral ERP selection, implementation oversight and post-go-live CFO support — so your technology investment actually delivers ROI.

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Performance management and KPI dashboards
Focus 03

Performance Management

Unit economics, margin by SKU, KPI scorecards and the review cadence to act on them — so every decision is backed by numbers, not gut feel.

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Working capital and cash flow management
Focus 04

Working Capital

Unlock cash trapped in receivables, inventory and payables — compress your cash-conversion cycle and free capital for growth without a single new sale.

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Budgeting forecasting and financial planning
Focus 05

Budgeting & Forecasting

Rolling forecasts, annual operating plans and scenario models that keep leadership ahead of the numbers — not reacting to last month's surprises.

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Free tool

Cash Flow Calculator

Enter your DSO, DIO and DPO. Get an instant estimate of cash trapped in your working capital cycle — benchmarked against best-in-class targets. Under 2 minutes.

Try the calculator
Questions

Fractional CFO, explained.

How is a fractional CFO different from my accountant or auditor?
Your accountant records what has already happened and keeps you compliant. A fractional CFO is forward-looking — building the planning, cash, profitability and decision-support systems that drive better business decisions and prepare you to scale, raise or transform.
How many days a month does an engagement take?
It is flexible. Most retainer engagements run a few days a month, scaling up around fundraising, budgeting or transformation work and dialling down once systems are running smoothly.
What size of business is this for?
We work best with growth-stage SMEs, MSMEs and funded businesses — typically those that have outgrown basic bookkeeping but are not yet ready for, or in need of, a full-time CFO.
Do you work on projects or only retainers?
Both. We offer ongoing virtual-CFO retainers as well as defined project mandates such as fundraising, working-capital cleanup, pricing resets, MIS redesign and turnarounds.
Start with a conversation

Not sure which service you need?

Book a strategy call and we'll help you pinpoint where CFO-level leadership would move the needle first — no cost, no obligation, strictly confidential.