Outsourced CFO & Virtual CFO Services for US Businesses
Senior CA-qualified financial leadership — strategic finance, investor reporting, cash flow and fundraising advisory — priced at India rates, available from your East Coast morning. No $300k salary. No equity. No hiring risk.
CFO-calibre leadership — without the CFO-sized compensation package
A US Chief Financial Officer typically earns $180,000–$350,000 in base salary. Add employer payroll taxes (FICA, FUTA, SUTA), health insurance, 401(k) match, equity grants, bonus (20–40%) and recruiter fees (20–30% of base) — and the all-in annual cost of a US CFO hire reaches $230,000–$455,000+ from the first year.
For bootstrapped founders, Series A/B startups and US SMBs, that is an enormous fixed cost to absorb — especially when what you need is rigorous financial thinking, not a corner-office headcount.
BizFractional delivers the same calibre of CFO strategic thinking — investor-grade financial models, cash flow clarity, board reporting, fundraising support and financial controls — as a flexible monthly engagement. India-qualified. India-priced. Structured around your US East Coast morning.
We work alongside your existing US CPA or tax accountant — not in competition with them. Your CPA handles compliance and filings. BizFractional handles strategy, financial leadership and everything above the compliance layer.
Start the ConversationThe full CFO remit — at a fraction of the cost
Every engagement is scoped to your stage and priorities. Here is what US clients typically draw on.
Cash Flow & Runway Management
13-week rolling cash flow models, burn rate analysis and runway projections — keeping founders and boards ahead of the curve, not reacting to it.
Investor & Board Reporting
Monthly MIS packs, investor updates, KPI dashboards and board-ready narrative — delivered on a predictable schedule so you are never scrambling before a board meeting.
Fundraising Support
Investor-grade financial models, 3-statement projections, cap table scenarios, data room preparation and due diligence support — for Seed, Series A and Series B rounds.
Budgeting & Forecasting
Annual planning cycles, rolling 12–18 month forecasts, scenario modelling and monthly variance analysis — so your financial plan stays connected to operational reality.
Profitability & Unit Economics
Gross margin analysis, contribution margin by product or channel, LTV/CAC modelling, payback periods and cohort analysis for e-commerce and SaaS businesses.
Finance Controls & Reporting Close
Month-end close management, chart of accounts structuring, financial controls design and audit-readiness preparation — so your finance function scales with your growth.
Built for US founders who have outgrown their accountant
BizFractional is purpose-built for a specific type of US business: founder-led, growing fast, and sitting in the gap between "bookkeeper is fine" and "we can afford a $300k CFO."
That gap is where most ambitious US startups and SMBs live — and it is where bad financial decisions happen. Cash runway gets underestimated. Investors ask for reporting that does not exist. Margins erode silently. A fundraise fails data room diligence because the numbers are not investor-ready.
BizFractional closes that gap — with senior CFO thinking, delivered as a flexible retainer, at a price that makes sense for your stage.
- Bootstrapped or early-stage (Seed to Series B) Revenue-generating but not yet at "afford a full-time CFO" scale
- E-commerce, SaaS, agencies or professional services Any US business where unit economics and cash flow management are mission-critical
- Fundraise on the horizon Planning a raise in the next 6–18 months and need investor-grade financial infrastructure
- Board or investor reporting is late or absent You know the numbers matter but no one owns building the right reporting rhythm
- You have a US CPA — but they do not do strategy Your accountant handles tax and compliance. You need someone at the CFO layer.
- Remote-comfortable culture You already work with distributed teams — adding an offshore CFO partner is natural
How it works for US clients
Timezone overlap
IST is 9.5 hours ahead of US Eastern time. That means:
- 6:00pm–9:30pm IST = 8:30am–noon EDT
- 6:00pm–9:30pm IST = 5:30am–9am PDT
US East Coast clients get live availability during their morning hours — the best time for focused CFO conversations before the operational day takes over. US West Coast clients can connect via early-morning or async.
How the engagement runs
- Weekly or fortnightly Zoom/Meet calls (scheduled in your morning)
- Shared dashboards updated in real time — Google Sheets, Notion, or your stack
- WhatsApp and email for async questions between calls
- Monthly deliverables: management accounts, cash flow update, board pack
- On-demand analysis for investor questions or strategic decisions
Frequently asked questions
What does an outsourced CFO do for a US business?
An outsourced CFO provides strategic financial leadership — cash flow management, investor reporting, board packs, fundraising advisory, budgeting, forecasting and financial controls — without the cost or commitment of a full-time executive hire. For US startups and SMBs, this typically means a monthly retainer with regular Zoom calls, shared dashboards and on-demand strategic input as your business evolves.
How much does an outsourced CFO cost compared to hiring a US CFO?
A US CFO typically earns $180,000–$350,000 in base salary. Add 30% for benefits, employer payroll taxes (FICA, FUTA, SUTA), equity, bonus and recruiting fees, and the true all-in cost reaches $230,000–$455,000+ per year. BizFractional's outsourced CFO engagement is a small fraction of that — with no W-2 obligations, no equity dilution and no severance risk. You get CFO-quality financial leadership priced at India rates.
Can an offshore CFO from India work effectively with a US business?
Yes — and many US businesses already work with offshore finance talent. BizFractional's founder has 25+ years of experience working in global organisations across 30+ countries, is fluent in English, and is US GAAP-aware. IST is 9.5 hours ahead of US Eastern time, which means 6pm–9:30pm IST = 8:30am–noon EDT — giving US East Coast clients live availability during their morning hours every weekday.
Does BizFractional work alongside my existing US CPA or accountant?
Absolutely — BizFractional is designed to complement, not replace, your existing US CPA or tax accountant. Your CPA handles compliance, tax filings and audit. BizFractional sits at the CFO layer: strategic financial planning, cash flow management, investor-facing reporting, fundraising advisory and financial decision support. The two roles work in parallel and reinforce each other. Many clients find that adding a fractional CFO actually makes their CPA's job easier — because the financial data is better organised and the reporting more structured.
Reserve your 30-minute strategy call
Pick a time that works for you. All calls are conducted on Zoom or Google Meet. Times shown in your local timezone.
Prefer email or WhatsApp? advisor@bizfractional.com · WhatsApp
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Ready to add a CFO to your team — without the $300k price tag?
No W-2. No equity. No long-term lock-in. Just senior financial leadership built around your business, your goals and your timeline.