Your Bookkeeper Looks Backward. Your CPA Files Once a Year.
Between the person recording transactions and the person filing your return, there’s a job nobody on your team is doing: looking forward. Forecasting cash. Pricing the next hire. Telling you which of your service lines actually makes money.
It’s not a small gap. The U.S. Small Business Administration ranks poor cash flow management among the leading reasons small businesses fail — profitable ones included.
A full-time CFO in the South Florida market costs $250,000 before benefits — and at $1M–$20M in revenue, you don’t need that person forty hours a week. You need their output.
That’s exactly what a fractional CFO delivers — senior financial leadership, priced as a fraction of a full-time hire.
Six Deliverables That Change How You Run the Business
Every outsourced CFO engagement includes these. Not advice in the abstract — documents you use to make decisions.
13-Week Cash Flow Forecast
A rolling view of every dollar in and out. You’ll know about a cash squeeze ten weeks before it happens — while you still have options.
Cash flow management →Annual Budget & Variance
A real plan tied to your growth targets — then a monthly comparison of plan vs. actual so drift gets caught in weeks, not quarters.
KPI Dashboard
The five to eight numbers that actually drive your business, on one page, every month. No 40-page report nobody reads.
Banker & Lender Readiness
Financials that stand up to underwriting, plus someone who can sit in the meeting and speak the bank’s language on your behalf.
Profitability Analysis
Margin by service line, job, or client. Most owners are shocked to learn which “big” customers are quietly losing them money.
Scenario Modeling
Before you hire, buy equipment, open a location, or take on debt — see the numbers three ways first.
The Budget Said 35%. The Pricing Sheet Delivered 26%.
A construction management firm — profitable, growing, running projects across the country — kept landing well under budget on gross margin. On a total basis, not a rounding difference. The obvious suspect was timing: costs hitting one period and the revenue in another, evening out eventually. It wasn’t timing. The gap held, month after month.
Opening their pricing spreadsheet showed why. To hit a 35% gross margin, they were adding a 35% markup. Those aren’t the same number. A 35% markup only earns a 25.9% margin — so every bid went out roughly nine points light, and the sheet looked correct the entire time. On a $100,000 job they billed $135,000 and kept $35,000; hitting their real target meant billing $153,846.
One formula, corrected on every bid from that point forward — no new sales, no new debt. Just the price finally matching the plan.
Fractional CFO Services vs. Building It In-House
Hiring this function means three salaries in the South Florida market — before benefits, taxes, and management overhead.
We Publish Our Pricing. Most Firms Won’t.
Fractional CFO services are billed as a flat monthly fee based on the scope you need — bookkeeping only, full controller support, or complete CFO advisory. No hourly billing, no surprise invoices, no annual contract. Every tier and price is listed openly. Curious what drives the fee? Read How Much Does a Fractional CFO Cost?
View All Tiers & Pricing →
Your CFO Is a CPA Who’s Done This at Scale
David Lopez is a licensed CPA — the designation governed by the AICPA — with a Master of Science in Taxation from the University of Miami and public accounting roots at Berkowitz Pollack & Brant.
As CFO of Saxon, a Xerox company, his division ranked #1 nationally in cash generation and profit margin. Today he applies the same discipline to nine South Florida businesses representing $34M in combined revenue.
Meet David →Send the Details Instead
Five fields, no calendar invite. Tell us the size of the business and what is breaking, and David will come back to you directly.
Fractional CFO Services, Explained
How much does a fractional CFO cost?
A flat monthly fee based on scope, typically far less than the $250,000+ salary of a full-time CFO. Lopez Consulting publishes every tier on its pricing page — no hourly billing and no long-term contract.
What’s the difference between a bookkeeper, a controller, and a CFO?
A bookkeeper records what already happened. A controller makes sure those records are accurate, controlled, and closed on time. A CFO uses them to decide what happens next — forecasting cash, setting budgets, and pricing decisions before you make them.
Is a fractional CFO the same as an outsourced CFO?
Yes — fractional CFO, outsourced CFO, part-time CFO, and virtual CFO all describe the same arrangement: senior financial leadership on a recurring basis without a full-time executive hire.
What size business needs one?
Typically $1M–$20M in annual revenue. Below that, a strong bookkeeper usually suffices. Above it, most companies bring the role in house. In between is where a fractional CFO delivers the most leverage per dollar.
Do you replace our CPA?
No. Your CPA handles tax filing; we handle the ongoing financial operation and strategy — and hand your CPA clean, closed books at year end, which usually makes their job faster and cheaper.
How fast does it start working?
Most engagements produce clean, current books within the first 30 days, with the first full forecast and KPI package following shortly after.
Fractional CFO services across South Florida — Fort Lauderdale, Miami, and Weston. Remote-friendly for clients statewide.