What is a Fractional CFO?

You’ve outgrown your accountant, but you aren’t ready for a full-time executive. Welcome to the "missing middle"—and the solution that bridges the gap.

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Run a business long enough, and you eventually hit a wall. We call it the "Financial Fog."

Your revenue is growing, which is great. But so is the complexity. You are making bigger decisions—hiring key staff, expanding into new territories like Mexico or the US, considering raising capital—based on gut instinct rather than hard data.

Your accountant is excellent at telling you what happened last quarter and keeping you compliant with the tax authorities. But asking them to build a 24-month forward-looking growth model or optimize your cross-border cash flow is like asking a historian to fly a fighter jet. It’s just not their job.

This is the paralyzing gap that many high-potential businesses find themselves in. You are too big for basic bookkeeping, but too small to justify the $250,000+ salary of a full-time, experienced Chief Financial Officer.

Enter the Fractional CFO.

A Fractional CFO (or virtual CFO) provides high-level strategic financial leadership on a part-time or retainer basis.

Think of it this way: Your bookkeeper manages the rearview mirror. Your Fractional CFO manages the windshield and the navigation system.

At Pinnacle Horizon Partners, we step into that gap. We don't just send you reports; we interpret them. We help you:

• Move from reactive to proactive: Stop stressing about payroll next week and start planning for expansion next year.

• See the future: Through sophisticated forecasting and scenario planning.

• Uncover hidden profits: By optimizing processes and plugging financial leaks you can't even see right now.

• Prepare for the big events: Whether that's raising capital, navigating a merger, or planning an eventual exit.

If you feel like you are navigating complex financial horizons blindfolded, it’s time to bring in a navigator.

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