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Outsourced CFO

Outsource The Finance Function. Keep The Control.

An outsourced CFO takes ownership of your finance function — the close, the reporting, the forecast, the tax strategy, and the oversight of whoever touches your books — without you carrying a salaried executive, a hiring process, or a succession risk.

Free diagnostic for US-based service businesses doing $1M–$20M in revenue.

Trusted by growing service businesses

Motiv Marketing Optmyzr Eden Data NuSpine Crystalized Fitness
01Clean financials
02Forward forecast
03Tax strategy
04Monthly decisions
Definition

What is an outsourced CFO?

An outsourced CFO is an external partner who owns your company’s financial leadership rather than occupying a seat on your payroll. The scope is the function, not the hours: accurate books, a reliable monthly close, forecasting and cash-flow management, proactive tax strategy, KPI reporting, and the decision support an owner needs before committing to a hire, a price change, or a loan.

The distinction people ask about most is outsourced versus fractional. In practice a fractional CFO is the more strategic, ongoing relationship — a partner embedded in your decisions month after month. Outsourcing describes the commercial arrangement: the function sits with an external firm rather than an internal department. Our engagements are both. You get one senior CFO who stays with you, backed by a team that handles the volume behind them.

The Scope

Four things stop being your problem.

Most owners do not want to run a finance department. They want the answers a finance department is supposed to produce. Outsourcing moves the responsibility — not just the tasks — to a team that already has the system built.

01
The Close
Clean books on a fixed schedule, with the chart of accounts rebuilt underneath them
02
The Forecast
Cash, margin, and payroll modelled forward so decisions happen before the squeeze
03
The Tax Strategy
Entity structure and planning handled before year-end, not reported after it
04
The Oversight
Someone senior reviewing the work of everyone who touches your numbers
How It Works

Handover in three phases.

Outsourcing a function only works if the handover is deliberate. The core reporting system is live within 90 days, and the full sprint completes at day 120.

1
Phase 1 — Takeover (Day 0–90)

We inherit the mess and rebuild it.

Whatever state the books are in, we take them. The chart of accounts is rebuilt so every dollar maps to delivery, sales & marketing, or G&A, and the first clean close gives you a P&L and balance sheet you can actually make a decision from.

Records handover Account rebuild First clean close
2
Phase 2 — Strategy (Day 60–120)

Tax and margin move to the front.

With reliable data in place, the tax strategy is deployed against your entity structure and revenue trajectory, and the margin targets get set. This is the part an outsourced arrangement should buy you that a bookkeeping service never will.

Entity optimization Tax strategy Margin targets
3
Phase 3 — Ownership (Day 120–Beyond)

The function runs without you managing it.

Forecast, budget, and cash-flow system are connected to the 60/15/15 targets, and the monthly CFO meeting becomes the place decisions get made. You stop managing a finance department and start reading one.

Forecast & budget Cash flow mgmt Monthly CFO rhythm

Ongoing engagements are $5,000 per month. See pricing and what is included.

Outsource vs. Hire

The real cost of an in-house finance department.

A CFO seat is $250K–$400K all-in
Salary, bonus, benefits, and equity — before you add a controller or a bookkeeper under them
Hiring takes months and can miss
A wrong senior finance hire costs a year of momentum, not just a severance cheque
One person is a single point of failure
When they resign, the system leaves with them. An outsourced team has bench depth
In-house rarely spans strategy and tax
Most single hires are strong at one and thin at the other; the engagement covers both
You are still the one managing them
Outsourcing moves the management burden as well as the work
The system transfers when you scale
When a full-time CFO finally makes sense, they inherit a built system instead of a blank page
Outsourced CFO Engagement
Function OwnerExternal Team
Payroll AddedNone
Hiring RiskRemoved
CoverageCFO + Tax + Books
ContinuityTeam, Not One Person
Exit PathSystem Transfers In-House
Best For $1M–$20M service businesses
Enterprise Value

The function you outsource is the one that sets your multiple.

Buyers and lenders price two things: earnings, and the risk attached to them. Reliable reporting, defensible margins, and a business that does not depend on the owner move both. That is the output of the finance function — which is exactly the thing most owners never staff properly.

Growth Readiness 80+
6.27x
EBITDA multiple
VS
Below 50
2.76x
EBITDA multiple

Based on Value Builder System data from 5,000+ companies, businesses scoring 80+ on growth readiness sell at 6.27x EBITDA. Businesses below 50 sell at 2.76x. Same earnings. Completely different value. The only thing that changes is the financial design — margins, risk profile, and owner dependence.

Proof

What the outsourced model has produced.

$402,838

Average tax liability eliminated per client, per year, through entity restructuring and strategic planning.

$220K+

Annual tax savings deployed for a legal services firm.

$125K

In past overpayments recaptured through amended returns and structure corrections.

$96.2M

Revenue under management.

“Working with Bennett Financials fills the gap we had — a team we can rely on, with rapid-fire responses and consistent support.”

“With Arron’s leadership, we grew from zero to $300K MRR. He’s more than a fractional CFO — he’s a dedicated partner who safeguards our brand and supports our growth.”

Get Started

It starts with the Leak Check.

Before we take on any client, we run a full financial diagnostic — free. You’ll walk away with a profitability scorecard, a custom tax strategy, and an enterprise value gap report. If we’re the right fit, the handover begins at Day 0.

Book Your Leak Check

Free diagnostic for US-based service businesses doing $1M–$20M in revenue.

FAQ

Questions about Outsourced CFO Services.

Clear answers to the questions owners ask before deciding what to do next.