Cash flow and runway management
13-week rolling cash models, burn-rate analysis and runway projections, keeping founders and boards ahead of the curve.
United States · Canada
Outsourced CFO and virtual CFO for US businesses.
Senior CA-qualified financial leadership, strategic finance, investor reporting, cash flow and fundraising advisory, priced at India rates and available from your East Coast morning. No $300k salary. No equity. No hiring risk.
The real cost of a US CFO
CFO-calibre leadership without the CFO-sized package.
A US CFO typically earns $180,000–$350,000 in base salary. Add payroll taxes, health insurance, 401(k) match, equity, bonus and recruiter fees and the all-in cost reaches $230,000–$455,000 in year one.
$230k–$455k
US CFO all-in annual cost
< 10%
ICAI final pass rate, among the world's hardest exams
8:30am–noon
live US Eastern availability
75–88%
typical saving against a local hire
What you get
The full CFO remit, at a fraction of the cost.
Every engagement is scoped to your stage and priorities. This is what US clients typically draw on.
Investor and board reporting
Monthly MIS packs, investor updates, KPI dashboards and board-ready narrative on a predictable schedule.
Investor-ready reporting
Investor-grade three-statement models, KPI packs and data-room upkeep so your numbers hold up in diligence. Capital raising itself is advised for India-based businesses only.
Budgeting and forecasting
Annual planning, rolling 12–18 month forecasts, scenario modelling and monthly variance analysis.
Profitability and unit economics
Gross and contribution margin by product or channel, LTV/CAC, payback periods and cohort analysis for e-commerce and SaaS.
Controls and reporting close
Month-end close management, chart-of-accounts structuring, controls design and audit-readiness so finance scales with growth.
Is this right for you?
Built for US founders who have outgrown their accountant.
Founder-led, growing fast, and sitting between "bookkeeper is fine" and "we can afford a $300k CFO". That gap is where cash runway gets underestimated, investors ask for reporting that does not exist, and a fundraise fails diligence because the numbers are not investor-ready.
- Bootstrapped or early-stage, seed to Series B
- Revenue-generating, not yet at full-time CFO scale
- E-commerce, SaaS, agencies or professional services
- Unit economics and cash flow are mission-critical
- Investors or lenders who expect proper reporting
Iraq delivered for the first time in 7 years a positive top line. Harish played an important part, and was very resourceful in protecting and cleaning our balance sheet. I like to think you will not take a big risk in hiring Harish.
A hands-on finance and business specialist with a keen eye on productivity and cost drivers. He manages his time and resources spectacularly. An asset to any organisation.
Common questions
Frequently asked questions
Do you replace our CPA?
No. Your CPA handles compliance, tax and filings. BizFractional handles strategy, financial leadership and everything above the compliance layer: cash runway, investor and board reporting, fundraising models, budgeting and controls.
What hours are you available in the US?
8:30am to noon US Eastern every working day for live calls, with asynchronous delivery overnight. India is nine and a half hours ahead of US Eastern, so your morning is our afternoon.
Are you familiar with US GAAP?
We are US GAAP-aware and work with your CPA on statutory specifics. Our focus is the management layer: models, reporting and decisions, where the principles are universal.
Do you help US companies raise capital?
No. Capital-raising advisory is offered to India-based businesses only. For US clients we build the investor-grade model and reporting that make a raise possible and support your diligence, working alongside your US advisers and counsel.
Which US businesses is this for?
Bootstrapped or early-stage, seed to Series B, revenue-generating but not yet at the scale that justifies a $300k CFO. E-commerce, SaaS, agencies and professional services where unit economics and cash flow are mission-critical.
Next step
Senior CFO thinking, US mornings, India pricing.
Book a 30-minute call in your time zone. We will tell you honestly whether a remote CFO fits your stage.