Fractional CFO, working capital first
Profitable on paper, broke on Friday? We fix Friday.
For owners of $500K to $20M trucking, real estate and energy services businesses. Our CFO ran a multinational’s cash cycle for fifteen years. We get yours moving and keep you lender, audit and tax ready, with direct access to the CFO.
01 · The problem
The week a profitable business runs out of cash.
If your customers pay on terms and your costs come due every week, the income statement and the bank balance tell two different stories.
Invoices go out
On 30, 60 or 90-day terms.
Last month’s report arrives
It says the business made money.
Fuel, materials, rent
Paid now, not in 60 days.
Chasing receivables
The owner, on the phone, again.
Payroll is due
And the cash is still in someone else’s account.
A bookkeeper reports last month. That tells you what happened, after it happened.
A CFO works on the gap. Receivables in faster, payables timed, cash visible weeks out.
02 · The record
Eighteen years of evidence, one CFO.
No client names until clients agree to be named. Until then, the record speaks.
“Direct access to me on an ongoing basis. It’s not like they only have access to the bookkeepers.”
Our CFO, on why clients choose SAM's CFO-Connect
Cash conversion cycle
Cut from 90 to 120 days to about 30 to 45, as CFO of a multinational energy services group.
Month-end close
Cut by 40% through an ERP rebuild.
Governance and compliance
Fifteen years as Chief Compliance Officer, 2010 to 2025. ISO 9001 and ISO 37001.
Audit
Audit senior at EY, 2006 to 2010.
Credentials
ACCA. BSc Accounting, University of the West Indies. Harvard Business School CORe and Leadership Principles.
Clients today
About twenty businesses between $500K and $20M in revenue.
03 · The work
What the CFO does.
Working capital first
Receivables in faster and cash visible weeks out, so Friday stops being a surprise.
Lender, audit and tax ready
Books and controls a lender or an auditor can rely on.
Tax planned, not discovered
Tax and strategy planning, with the cash rhythm of your business already known.
A CFO who picks up
Direct access to the CFO, not only to a bookkeeper. A new enquiry gets a call within 24 hours.
04 · Who it’s for
Two kinds of business, one cash problem.
Owner-operators with weekly costs and monthly customers.
$500K to $20M in revenue. Houston and Texas first, anywhere in the US.
- Fuel and payroll every week, receivables on terms.
- Receivables chased on a schedule, not on a bad Friday.
- Books a lender will read, before you need the lender.
Owner-led, multi-entity, and in front of lenders and auditors.
$500K to $20M in revenue. Houston and Texas first, anywhere in the US.
- Several entities, one clear picture of cash across them.
- Lender and audit requests answered from books that hold up.
- Compliance built in, from fifteen years as a Chief Compliance Officer in energy services.
05 · What it costs
No hourly meter. The CFO is a fixed monthly fee.
Start where your books are. If they are behind, a cleanup comes first, then monthly books underneath the CFO work.
Cleanup
- Books you can hand a lender
- A clean base for the CFO work
Monthly books and accounting
- Last month closed
- This month visible
Fractional CFO, working capital first
- Direct access to the CFO
- Receivables in faster, cash visible weeks out
- Lender, audit and tax ready
If you want everything a finance team does for a $500 monthly fee, this is not the right fit.
Book a call with the CFO06 · How it starts
How it starts.
A call with the CFO
Your cash cycle, your books and what Friday looks like today.
Onboarded in 24 to 48 hours
Access set up and the backlog sized.
Cash first, then everything else
Working capital, then lender, audit and tax readiness, month after month.
Questions
Questions owners ask first.
Do I talk to the CFO or to a bookkeeper?
The CFO, directly. Bookkeeping sits underneath the CFO work, not in front of it.
How fast can we start?
Onboarding takes 24 to 48 hours once the engagement is agreed.
Our books are behind. Is that a problem?
No. A cleanup comes first, quoted on the size of the backlog, so the numbers the CFO works from are ones a lender would accept.
Do you charge by the hour?
No hourly billing. The CFO work is a fixed monthly fee, monthly books are $300 to $600 a month by volume, and a cleanup is quoted on the backlog.
We are not in trucking, real estate or energy. Can you still help?
Those are the industries with the deepest experience behind them. If cash moves slower than your bills, the introductory call is where to find out.
Profit is an opinion. Cash is a fact.
Book a call. The person you talk to is the CFO.
Book a call with the CFO