Fractional CFO services

Fractional CFO Services for Founders Not Ready to Hire One Full-Time.

We help SaaS and AI companies turn accounting into runway visibility, investor-ready reporting, and better operating decisions.

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$80M Combined client ARR tracked

15+ SaaS and AI companies served

Day 7 Average month-end close

12+ yrs Average finance experience

Runway & Scenario Planning

Cash forecast, hiring plan, revenue scenarios, and burn multiple analysis.

Investor Readiness

Board packages, fundraising models, KPI narratives, and diligence-ready financials.

Finance Strategy

Pricing, gross margin, AI compute spend, department budgets, and operating rhythm.

Who this is for

Who Needs a Fractional CFO for a SaaS or AI Company.

This is for SaaS and AI founders who need CFO-level judgment before they are ready to hire a full-time CFO.

You may be ready if:

You are preparing to raise capital in the next 6 to 12 months
You need a board-ready reporting package
You do not fully trust your runway forecast
Your hiring plan depends on revenue or fundraising assumptions
Investors are asking sharper questions about burn, margin, CAC payback, or retention
Your financial model does not connect cleanly to the way the business operates
You need help translating the numbers into operating decisions

Package path

Where CFO Support Sits in Your Finance Stack.

Use the package structure to see where this work sits today and what usually comes next as reporting, runway, and investor needs get more complex.

Pre-seed to seed

Clean Books

For early SaaS and AI companies that need accurate monthly accounting before finance becomes more strategic.

Best for

Pre-seed to seed companies
Founders who need reliable monthly accounting
Teams building a stronger finance foundation

Includes

Monthly bookkeeping
Bank and credit card reconciliations
Revenue and expense categorization
Payroll entries
Basic month-end close

Primary outcome

Reliable books that founders, tax preparers, and future finance layers can trust.

Upgrade trigger

Upgrade to Controller Layer when you need reporting discipline, SaaS metrics, deferred revenue tracking, or board-ready financials.

View monthly SaaS bookkeeping

Seed to Series A

Controller Layer

For SaaS and AI companies that need a reliable monthly close, reporting discipline, and SaaS-ready financial visibility.

Best for

Seed to Series A companies
Companies with increasing transaction complexity
Founders preparing for board reporting or fundraising

Includes

Monthly close process
Financial reporting package
SaaS metrics support
Deferred revenue and revenue recognition support
Budget vs actual reporting

Primary outcome

A monthly finance cadence that connects accounting, reporting, and operating decisions.

Upgrade trigger

Upgrade to CFO Layer when runway, fundraising, pricing, hiring plans, or board materials become critical.

View SaaS controller services

Seed to Series B Current layer

CFO Layer

For SaaS and AI founders who need CFO-level judgment before hiring a full-time CFO.

Best for

Seed to Series B companies
Founders preparing for fundraising
AI companies with compute, usage-based revenue, or margin complexity

Includes

Runway and burn planning
Forecasting and scenario planning
Investor and board reporting
Fundraising preparation
SaaS KPI, gross margin, and unit economics review

Primary outcome

CFO-level clarity for decisions that affect runway, fundraising, growth, and investor confidence.

Upgrade trigger

Move toward a full-time CFO when finance leadership becomes a daily operating requirement.

View fractional CFO support

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Client fit

When Fractional CFO Support Is Worth It, and When It Is Not.

Fractional CFO support is useful when the numbers need to guide fundraising, hiring, pricing, runway, and board-level decisions. It is not useful before the books can be trusted, which is why we say so when controller work should come first.

A Good Fit

You are preparing for fundraising or investor updates
You need runway, burn, gross margin, and SaaS KPI visibility
You need board-ready reporting but are not ready for a full-time CFO
You want help with pricing, planning, scenarios, or hiring decisions
You need finance to support founder-level decision-making

Probably Not a Fit

You only need basic transaction processing
You are looking for annual tax preparation only
You do not need forecasting, reporting, or financial judgment
You are not able to hold a monthly cadence: a close that lands on time, one working session, and decisions made on the numbers
You want a CFO title without CFO-level operating involvement

What we deliver

What a Fractional CFO Delivers Each Month.

CFO services should make the numbers useful, not just organized. The work runs on a monthly rhythm tied to your close, so each item below has a stated frequency rather than arriving when someone asks for it.

Runway and cash planning, refreshed every month against actuals

13-week cash forecast or monthly cash model, updated monthly

Board and investor reporting package, built ahead of each board meeting or investor update

SaaS KPI package covering ARR, MRR, churn, NRR, GRR, CAC payback, gross margin, and burn multiple where available, reviewed monthly

Revenue, margin, and pricing analysis, revisited quarterly or when pricing changes

Hiring plan and scenario planning, re-run whenever the plan or the raise timeline moves

Fundraising readiness support, intensifying in the months before a raise

Finance roadmap by stage, reviewed at each stage transition

Support preparing for investor conversations and diligence, on demand

First 30 days

What Happens in the First 30 Days.

The first 30 days establish what can be trusted. A recent example: a seed-stage SaaS company at roughly $1.4M ARR arrived convinced it needed a CFO. The actual blocker was accounting. Over the following 60 days the chart of accounts was rebuilt for a SaaS model, deferred revenue was corrected, and the close was tightened to a predictable five business days. Only then was the forecast worth building. We say so when that is the sequence, rather than selling the layer you asked for.

We review:

Current financial statements and management reports
Runway model and cash visibility
ARR, MRR, revenue, churn, and retention logic
Gross margin and cost structure
Board reporting and investor update format
Hiring, revenue, and fundraising assumptions
Finance stack and reporting cadence

Outcome

A clear view of what can be trusted, what needs cleanup, and what finance decisions need better data before the next board update or fundraise.

FAQs

Fractional CFO Questions Founders Ask.

What does a fractional CFO do for a SaaS startup?

A fractional CFO helps a SaaS startup manage runway, fundraising preparation, board reporting, pricing decisions, SaaS metrics, and financial planning before the company is ready for a full-time CFO.

When should a SaaS startup hire a fractional CFO?

A SaaS startup should consider a fractional CFO when runway, fundraising, pricing, board reporting, or SaaS metrics start influencing major operating decisions.

How is a fractional CFO different from a controller?

A controller makes the numbers reliable. A fractional CFO uses those numbers to support forecasting, fundraising, board reporting, pricing, hiring, and strategic decisions. In short, a controller owns accuracy and a CFO owns the decisions built on it. Most SaaS companies need the controller layer working before CFO strategy is worth buying.

Can Offset Partners help with fundraising preparation?

Yes. Offset Partners helps founders prepare the reporting, forecast, KPI package, and financial narrative investors expect before a raise.

What SaaS metrics should founders track before a board meeting?

A SaaS CFO should track ARR, MRR, churn, NRR, GRR, gross margin, CAC payback, burn multiple, runway, cash conversion, and board reporting metrics appropriate to the company's stage.

How much does fractional CFO support cost?

Offset Partners fractional CFO engagements start at $3,500 per month. That floor buys a defined monthly scope rather than a block of hours: a finance package delivered on a fixed date, a financial model and runway forecast that stay maintained, SaaS metrics that reconcile to the general ledger, board and investor reporting support, and a standing call cadence. Three things move the number above it. How complex the revenue is, meaning usage-based billing, multi-entity structures, or AI compute sitting in cost of revenue. Whether historical cleanup is needed before a forecast is worth building. And whether a raise or a board cadence is running during the engagement. The diagnostic settles that before either side commits, and produces a written scope and a fixed monthly fee rather than an hourly estimate. A full-time CFO costs materially more once salary, bonus, equity, and benefits are counted, which is why most SaaS companies stay fractional well past Series A.

Do we work with the same person every month?

Yes. Fractional CFO work depends on context that takes months to build, so rotating the lead defeats the point. The same lead runs the monthly cadence and joins board conversations, drawing on the controller and accounting layers behind them when the work needs it.

Next step

Need a CFO brain before a CFO hire?

We will review your runway, reporting, and fundraising readiness.

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