Fractional CFO for growth-stage startups
Growth-stage companies - Series B to D - are scaling commercial motion, expanding into new geographies and products, and starting to attract serious strategic and PE interest. The finance question is no longer 'are we measuring growth properly?' but 'are we allocating capital optimally across segments?', and the CEO needs a finance leader who can operate at that altitude.
We provide senior CFO bandwidth - segment-level P&L, multi-entity consolidation, integrated workforce and capacity planning, debt and treasury management, and investor reporting that satisfies institutional growth equity and pre-IPO funds. When the company is ready for Series C, growth equity or strategic M&A, we own the model, the data room and the equity narrative.
Why growth-stage startups need a fractional CFO
Hiring a full-time CFO is a huge (and costly!) decision, and most advisors stuck in the 90s do not understand how a growth-stage business actually runs. We deliver actionable, no-BS advice tailored to your stage and the digital niche you operate in.
Segment P&L and capital allocation across the portfolio
Growth-stage boards run the company like a portfolio - product lines, geographies and channels competing for the next dollar of capital. We build segment P&Ls with full contribution margin and capital-efficiency views, surface where returns are compounding and where capital is being subsidised, and translate that into the quarterly capital plan.
Multi-entity, multi-currency financial architecture
By Series B most companies have a parent, multiple subsidiaries, intercompany flows and meaningful FX exposure. We design the consolidation, set the reporting hierarchy, manage FX policy, and keep month-end and management reporting clean across entities - so leadership sees one set of numbers, not three.
FP&A and BI that scale beyond spreadsheets
At growth stage the spreadsheet model becomes a bottleneck. We move planning onto a proper FP&A platform, integrate actuals from the ERP, align the BI layer with finance so the same numbers show up in board packs, investor updates and operational dashboards, and free the team to spend time on analysis rather than reconciliation.
Integrated workforce and capacity planning
People are still the biggest cost, but the question shifts to capacity - sales quota coverage, engineering throughput, support load per customer. We model headcount alongside the operating drivers it powers, so hiring decisions are made against capacity needed rather than against last year's growth assumption.
Debt, treasury and balance-sheet optimisation
Growth-stage capital stacks include venture debt, RBF, structured equity and material cash balances. We model covenant headroom and refinancing windows, design the treasury policy, and use the balance sheet actively - minimising dilution and extending runway through debt and working capital rather than equity.
Optionality between Series C, growth equity and strategic M&A
Growth-stage CEOs need to keep three doors open: another VC round, a growth equity partner, or strategic M&A. We keep the model, the data room and the equity story in a state where any of the three can run on six weeks' notice, and we sit alongside the investment bank or sponsor when one of them comes alive.
Different growth phase?
We provide fractional CFO services across pre-seed, seed, Series A, growth-stage and PE-backed companies.
Fractional CFO for pre-seed startups
At pre-seed we translate the founder vision into a credible model, define the unit economics and KPIs that matter, and set the company up so the seed round is a continuation of the operating rhythm rather than a scramble.
Learn moreFractional CFO for seed-stage startups
At seed we build the driver-based operating model, stand up the monthly FP&A cycle, put cohort and unit-economics tracking in place, and prepare the company for Series A diligence well ahead of the raise.
Learn moreFractional CFO for Series A startups
At Series A we build the institutional-grade model, segment the P&L for capital allocation, run the board-pack rhythm with proper variance analysis, and prepare the company for Series B at least 12 months ahead of the raise.
Learn moreFractional CFO for PE-backed companies
For PE-backed companies we own the value-creation plan and sponsor reporting, drive EBITDA quality and cash conversion, manage debt actively, run bolt-on M&A end-to-end, and keep the company exit-ready throughout the hold period.
Learn moreWe provide fractional CFO services across the globe
Simple pricing
No hidden costs, no complicated long-term contracts. We understand how important flexibility is for startups.
Per month
- Accounting / FP&A tech stack implementation
- Monthly financial statements and reporting pack
- Quarterly board pack with detailed financial analysis (with variance analysis vs. budget, relevant KPI observations etc.)
- Investor-friendly output
Per month
- Everything in Core, plus
- Operating model (via an online platform like Runway or Excel-based)
- Ongoing model maintenance, refining projections, burn/runway management
- Customer cohorts modelling, churn and retention analysis
- LTV / CAC, unit economics analysis
- Cap table management
Per month
- Everything in Grow, plus
- M&A / fundraising support; review of business plan
- Pitch deck preparation
- Investor approach strategy / list building
- Due diligence support and deal negotiation
- Valuation as required and free access to Multiples Pro
Packages shown are illustrative, final pricing is tailored to client requirements.
Sector expertise
Explore our fractional CFO offering across a variety of tech sectors - relevant for growth-stage startups too.
Software
Vertical and horizontal SaaS, AI-native software products, infrastructure SaaS, cybersecurity
AI & ML
Foundation models, AI applications, AI infrastructure, semiconductors, AI consulting
Fintech
Neobanking, online payments, fintech infrastructure, lending platforms, wealth tech, online brokerage, vertical FS software
Consumer internet
Consumer software subscription platforms, edutech, online content, social networks, online dating
Digital media
Streaming platforms, mobile and console gaming, content distribution, digital publishing, VR & AR
E-commerce & marketplaces
Consumer and B2B marketplaces, inventory-based e-commerce, classifieds, lead generation platforms
Consumer products
Direct-to-consumer (D2C) brands, consumer electronics, smart home devices, lifestyle products
Mobility
Ridesharing, micromobility, food delivery, logistics tech, autonomous tech, EV charging infrastructure
Digital health
Digital therapeutics, telemedicine, mental health solutions, EHR and practice management, vertical healthcare SaaS
Industrial technology
Industry 4.0 solutions, 3D printing, climate tech, industrial IoT, robotics, smart manufacturing
Digital infrastructure
Data centers, cloud infrastructure, edge computing, network security, vertical infrastructure SaaS
IT services
Software development and testing, digital transformation, cloud services, advertising agencies, IT support services
Bring your FP&A to the digital age
The world runs on Excel, but we like to keep up with the times.
We can enhance your financial reporting by using leading SaaS providers across the entire finance stack.
Stripe
Xero
Causal
Quickbooks
Datarails
Mosaic
Excel
Google Sheets
Adyen
Abacus
Runway
NetSuite
Salesforce
Sage
Shopify
Cube
HubSpot
Snowflake
Recently completed fractional CFO projects
Selected fractional CFO engagements and prior CFO experience.
Got questions?
Schedule a call ordrop us an email to learn more about our CFO-as-a-service, capital raising and M&A advisory offering.
Talk to us
Schedule a call to get a health check on your business and see how we could help.
Fractional CFO
- Fractional CFO for Software
- Fractional CFO for AI & ML
- Fractional CFO for Fintech
- Fractional CFO for Consumer internet
- Fractional CFO for Digital media
- Fractional CFO for E-commerce & marketplaces
- Fractional CFO for Consumer products
- Fractional CFO for Mobility
- Fractional CFO for Digital health
- Fractional CFO for Industrial technology
- Fractional CFO for Digital infrastructure
- Fractional CFO for IT services
Stages
Countries
- UK Fractional CFO
- Ireland Fractional CFO
- France Fractional CFO
- Germany Fractional CFO
- Spain Fractional CFO
- Portugal Fractional CFO
- Italy Fractional CFO
- Netherlands Fractional CFO
- Belgium Fractional CFO
- Switzerland Fractional CFO
- Austria Fractional CFO
- Denmark Fractional CFO
- Sweden Fractional CFO
- Norway Fractional CFO
- Finland Fractional CFO
- Poland Fractional CFO
- Estonia Fractional CFO
- US Fractional CFO
- Canada Fractional CFO
- Mexico Fractional CFO
- Brazil Fractional CFO
- UAE Fractional CFO
- Australia Fractional CFO
Cities
- London Fractional CFO
- Dublin Fractional CFO
- Paris Fractional CFO
- Berlin Fractional CFO
- Madrid Fractional CFO
- Lisbon Fractional CFO
- Milan Fractional CFO
- Amsterdam Fractional CFO
- Brussels Fractional CFO
- Zurich Fractional CFO
- Vienna Fractional CFO
- Copenhagen Fractional CFO
- Stockholm Fractional CFO
- Oslo Fractional CFO
- Helsinki Fractional CFO
- Warsaw Fractional CFO
- Tallinn Fractional CFO
- New York Fractional CFO
- Toronto Fractional CFO
- Mexico City Fractional CFO
- São Paulo Fractional CFO
- Dubai Fractional CFO
- Sydney Fractional CFO