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CFO Services

Strategic CFO services for
businesses scaling from
$500K to $20M

We focus on what’s coming 12-18 months ahead—cash flow forecasting, capital access, financial modeling for major decisions, and growth strategy that scales with you.
Book your free CFO call
See Pricing
What's included

Strategic CFO thinking focused on what's coming next

We don’t just report last month’s numbers. We predict what’s coming 12-18 months ahead and help you prepare financially before you need it.
Planning

Strategic financial planning & forecasting

13-week cash flow forecasts, annual budgets, and scenario modeling for major decisions. Know exactly where your cash will be in 3 months, 6 months, 12 months.
Capital

Capital access & funding strategy

We don’t just advise you to get capital—we actually facilitate it. SBA loans, lines of credit, growth capital. We prepare your financials and help you secure it.
Modeling

Financial modeling for major decisions

Hire 2 salespeople or open a second location? We model both scenarios with cash flow impact, breakeven timelines, and ROI projections. Make decisions based on numbers, not guesswork.
Operations

Financial operations & infrastructure

Board-level financial reporting, KPI dashboards, financial systems setup, and strategic guidance. The financial infrastructure that supports scaling to $20M.
Strategy

Growth strategy & expansion planning

Strategic planning for expansion, acquisitions, new markets, or major hires. Financial analysis that shows you the path from where you are to where you want to be.
Wealth

Wealth building outside your business

Real estate investment strategies, entity optimization, and wealth preservation. Build wealth alongside your operating business, not just inside it.
Pricing

CFO services pricing by growth stage

Pricing is based on your revenue stage and complexity. As you grow, services scale with you.

Foundation

$500K-$1M

Basic CFO strategy, cash flow forecasting (3-6 months), entity optimization, capital planning, and strategic guidance. Monthly CFO calls and ongoing support.

$2.050

/month

Growth

$1M-$5M

Sophisticated CFO strategy, 13-week cash flow forecasting, capital access facilitation, financial modeling for major decisions, bi-weekly CFO calls, board-level reporting.

$3.600

/month

Scale

$5M-$10M

Enterprise CFO services, multi-entity operations, major capital facilities ($500K-$2M+), acquisition support, weekly strategic calls, comprehensive financial operations.

$6.700

/month

Exit

$10M-$20M

Exit-focused CFO services, investor due diligence preparation, valuation optimization, wealth preservation strategy, transaction support. Custom packages available.

$12.400

/month

Our approach

Horizon Finance vs. Rearview Mirror Finance

Most businesses practice “rearview mirror finance”—looking backward at last quarter when they should be planning 12-18 months ahead. We practice Horizon Finance instead.

Feature

Bookkeeper

Records history

Accountant

Files taxes

SwiftBooks CFO

Predicts future

Financial forecasting

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Capital access facilitation

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Financial modeling

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Strategic planning

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Board-level reporting

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Monthly financials

Tax planning & optimization

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How it works

From strategy call to ongoing partnership

01

Free CFO strategy call

Schedule a 30-minute consultation. We’ll discuss your revenue stage, current financial setup, challenges, and goals. No sales pitch—just strategic conversation to see if we’re the right fit.
  • Review your current revenue and growth trajectory
  • Identify your biggest financial challenges
  • Discuss your goals for the next 12-18 months
  • Assess which growth stage you’re in

02

Customized service plan

Based on your revenue stage and needs, we’ll recommend the right service package. Pricing is transparent and based on your stage: Foundation ($2,050/mo), Growth ($3,650/mo), Scale ($6,800/mo).

  • Stage-specific CFO services recommendation
  • Clear pricing with no hidden fees
  • Scope of work and deliverables outlined
  • Timeline and expectations set

03

Onboarding & financial setup (2-4 weeks)

We’ll review your current financials, set up reporting systems, establish your financial infrastructure, and create your initial forecasts. Most clients are fully onboarded within 30 days.
  • Financial systems audit and setup
  • Initial cash flow forecast (3-6 months or 13 weeks)
  • KPI dashboard creation
  • Strategic financial plan developed

04

Ongoing strategic CFO partnership

Regular strategic CFO calls (frequency based on stage), updated forecasts, financial modeling for major decisions, capital access support, and year-round strategic guidance. As you grow through stages, we scale services with you.
  • Foundation: Monthly CFO calls + email/chat support
  • Growth: Bi-weekly CFO calls + ongoing strategic support
  • Scale: Weekly CFO calls + comprehensive operations support
  • Exit: Custom cadence based on transaction timeline
Who this is for

When to bring in CFO services

If you’re making six-figure decisions weekly based on gut feel instead of financial models, you need CFO-level thinking.
$500K-$1M Revenue

Foundation stage businesses

You’re outgrowing DIY bookkeeping. You need clean financials, entity optimization, and basic CFO strategy to prepare for growth to $5M.
$1M-$5M Revenue

Growth stage businesses

You’re making six-figure decisions weekly. Should you hire 2 salespeople or open a second location? You need financial modeling, not guessing.
$5M-$10M Revenue

Scale stage businesses

You’re operating at enterprise level. Multi-entity complexity, major capital needs ($500K-$2M+), and acquisition opportunities require sophisticated CFO strategy.
$10M-$20M Revenue

Exit stage businesses

You’re preparing for exit or major investment. Clean financials can increase your valuation by 10-20% of purchase price. Start preparation 12-24 months before exit.
Common mistakes

Costly mistakes businesses make without a CFO

01

Making decisions on instinct instead of models

Between $1M and $5M, you’re making six-figure decisions weekly. Hiring, expansion, pricing, capital allocation—these aren’t gut calls. They’re financial modeling exercises. The businesses that plateau at $3M operate on instinct. The ones that hit $10M model everything.

02

Waiting until you're desperate for capital

Banks lend most easily when you don’t look desperate. At $1M-$2M, you should be establishing banking relationships and securing lines of credit before you need them. Waiting until you’re at $3M and need $500K immediately means worse terms or missing opportunities.

03

Underestimating how fast growth eats cash

Revenue is climbing. Profit looks good. Then you hit a cash wall. Growth eats cash faster than it generates profit. Without cash flow forecasting 13 weeks ahead, you don’t see the wall until you hit it. By then, your options are limited.

04

Not building wealth outside your operating business

At Growth stage ($1M-$5M), you should start building wealth outside your operating business. Real estate investing with REP status can save $30K-$100K annually in taxes. But most entrepreneurs wait until it’s “comfortable”—which often means they wait too long.

05

Operating without financial forecasts

If you’re running a $2M business and don’t know where your cash will be in 90 days, you’re flying blind. One bad decision compounds. One good opportunity requires capital you don’t have. Forecasting isn’t optional at this stage—it’s foundational.
FAQ

Common questions about CFO services

How much do CFO services cost?

CFO services pricing is based on your growth stage: Foundation ($500K-$1M): $2.050$/month | Growth ($1M-$5M): $3,650$/month | Scale ($5M-$10M): $6.800/month | Exit ($10M-$20M): $12,500/month + specialized services. Pricing includes strategic planning, forecasting, modeling, and ongoing CFO support.

A bookkeeper records transactions and maintains your books (rearview mirror). An accountant files your taxes and ensures compliance (side mirrors). A CFO uses those numbers to predict what’s coming 12-18 months ahead, build capital strategies, and make strategic financial decisions (windshield). You need all three, but at different stages.
Most businesses under $10M don’t need (or can’t afford) a full-time CFO at $200K-$350K annually. Fractional CFO services give you strategic CFO thinking at a fraction of the cost—perfect for businesses at $500K-$20M. Full-time CFOs typically make sense at $10M-$15M+ when you need daily executive financial leadership.
Most entrepreneurs bring in CFO services around $750K-$1M in revenue, or when they start making six-figure decisions regularly. If you’re operating on last month’s numbers instead of next year’s projections, you need CFO-level thinking. Earlier is better—don’t wait until you’re in crisis mode.
Yes—this is one of our key differentiators. We don’t just advise you to get capital; we actually facilitate it. We prepare your financials, build your capital story, establish banking relationships, and help you secure SBA loans, lines of credit, and growth capital. Recent example: A client needed $200K and we helped them secure $1.2M instead.
Depends on your stage, but typically includes: strategic financial planning, cash flow forecasting (3-6 months or 13 weeks), financial modeling for major decisions, capital access strategy, board-level reporting, KPI dashboards, regular CFO calls (monthly, bi-weekly, or weekly), and year-round strategic support.
Yes—this is core CFO work. Foundation stage includes 3-6 month forecasts. Growth and Scale stages include 13-week rolling cash flow forecasts, updated continuously. We also create scenario models for major decisions (hire vs. expand, etc.) and annual budgets with quarterly reforecasting.
Accountants focus on compliance—filing taxes, maintaining records, ensuring you follow regulations. CFOs focus on strategy—predicting what’s coming, building capital access, modeling major decisions, and driving growth. You need both. SwiftBooks provides CFO strategy plus tax advisory and bookkeeping—three services most businesses handle through three separate vendors.

Ready to move from reactive to predictive finance?

Most entrepreneurs at $1M-$3M are still operating on last month’s numbers when they should be planning 12-18 months ahead. Schedule a free strategy call to discuss your revenue stage and financial infrastructure.
Book your free CFO call