Outsourced CFO Services for Small Businesses.
Executive level financial leadership without the full time salary. Cash flow forecasting, KPI dashboards, financial strategy, and investor reporting from a CFO who already knows your business plan inside and out.
Exceptional Scale
CFO Level Leadership at a Fraction of the Cost.
A full time CFO costs $200,000 to $400,000 per year. Most businesses under $10M in revenue do not need one full time. You need the strategy, the forecasting, and the oversight without the overhead. That is exactly what a fractional CFO delivers.
Full Time CFO
$200K-$400K
per year + benefits + equity
✕ 6 month recruiting process
✕ 25-40% added in benefits and payroll tax
✕ Starts from zero learning your business
✕ Locked into one perspective and skill set
✕ Expensive to replace if it does not work
Fractional CFO with TEP
$3K-$10K
per month · no long term contract required
Start within days, not months
Save up to 60% vs full time hire
Already knows your financial model
Scales up or down with your needs
Same team as your business planner and accountant
Businesses save up to 60% on financial leadership with a fractional CFO.
The Role
What Your Fractional CFO Actually Does.
A fractional CFO is not a bookkeeper with a better title. Click each role below to see what executive level financial leadership looks like in practice.
Strategist
Forecaster
Advisor
Translator
Architect
01
Financial Strategist
Your CFO translates your business goals into a financial roadmap. Can you afford to hire this quarter? What revenue do you need to be profitable by Q3? Where should you allocate capital for the highest return? These are the questions a strategist answers with data, not gut feeling.
Growth planning
Resource allocation
Profitability optimization
Scenario modeling
02
Cash Flow Forecaster
82% of small businesses fail due to cash flow problems. Your CFO builds 13 week rolling forecasts, monitors AR collection, schedules AP, and tracks cash runway. You always know how much cash you have, how long it lasts, and what is coming in next.
13 week rolling forecasts
AR/AP management
Cash runway analysis
Weekly cash monitoring
03
Board and Investor Advisor
Whether you are reporting to a board, pitching investors, or meeting with your SBA lender, your CFO prepares the materials and sits beside you. Financial reporting packages, board decks, investor updates, and lender correspondence, all built by someone who knows your numbers cold.
Board reporting packages
Investor updates
Lender correspondence
Due diligence support
04
Numbers Translator
Your CFO turns complex financial data into clear, visual dashboards and KPI reports that tell you what the numbers mean, not just what they are. Monthly P&L, cash flow, and balance sheet delivered with analysis and recommendations, designed for business owners, not accountants.
KPI dashboards
Monthly financial reviews
Variance analysis
Visual reporting
05
Systems Architect
Your CFO builds and optimizes the financial systems that run your business. Chart of accounts, accounting software setup, internal controls, approval workflows, and reporting cadences. Clean systems mean clean data. Clean data means confident decisions.
Accounting system setup
Internal controls
Process optimization
Team training
The Signals
Six Signs You Need a Fractional CFO.
If any of these sound familiar, you are past the point where a bookkeeper alone can guide your financial decisions.
You Are Making Financial Decisions on Gut Feeling
Big hires, new locations, pricing changes, and capital investments should be backed by financial models, not instinct. A CFO gives you the data to make confident decisions.
Cash Flow Surprises Keep Happening
You are profitable on paper but constantly tight on cash. Late invoices, unplanned expenses, and poor visibility into what is coming in and going out. A CFO builds the forecasting system that eliminates surprises.
You Are Raising Capital or Applying for Financing
Investors and lenders want clean financials, credible projections, and someone who can answer hard questions about your numbers. A CFO prepares and presents alongside you.
Your Financial Reports Are Late or Unreliable
If you do not trust your numbers, you cannot trust your decisions. Late closes, miscategorized transactions, and reports that do not match reality are all signs your financial infrastructure needs executive oversight.
You Are Growing Fast and the Numbers Are Getting Complex
New revenue streams, new locations, new hires, new expenses. Growth creates financial complexity that a bookkeeper was never designed to manage. A CFO brings the systems and strategy to scale cleanly.
You Are Planning an Exit Within the Next 2 to 5 Years
Clean books and consistent financial performance are the foundation of a strong business valuation. A CFO builds your financial infrastructure with exit in mind from day one so you are buyer ready when the time comes.
The TEP Advantage
Why Our Fractional CFO Is Different.
01
Your CFO Already Knows Your Financial Model
If we built your business plan, we built your financial projections. Your fractional CFO does not need weeks to learn your business. They already know your revenue targets, your cost structure, and your funding milestones because they helped create them.
02
Your CFO, Accountant, and Marketer Are One Team
Your marketing spend is aligned with your financial projections. Your accounting feeds into your CFO's dashboards. Your growth strategy is shared across every discipline. No silos, no handoffs, no gaps between your money and your strategy.
03
Built for Start to Exit, Not Just This Quarter
We do not just optimize your financials for today. We build your financial infrastructure with exit in mind. When you are ready for Exceptional Exit, your books, reports, and financial systems are already buyer ready because we built them that way from day one.
Businesses Under $10M That Need Financial Strategy
You are past the bookkeeping stage but not ready for a $200K+ full time hire. A fractional CFO gives you the strategic oversight you need at a fraction of the cost.
Founders Raising Capital or Applying for SBA Financing
Investors and lenders want to talk to a CFO. We prepare your materials, build your models, and sit beside you in the meetings. We have facilitated over $2.2 billion in funding.
Companies With Cash Flow Challenges
You are profitable on paper but tight on cash. Slow receivables, unplanned expenses, and no visibility into what is coming next. We build the forecasting system that eliminates the surprises.
Businesses Preparing for an Exit or Acquisition
Clean financial systems, consistent reporting, and well documented performance history are essential for a strong valuation. We build your financials with exit in mind from the start.
Exceptional Start Clients Scaling Their Operations
We built your financial projections. Now we execute against them with CFO level oversight. Same team, same context, zero onboarding. The forecast becomes your living benchmark.
Who We Work With
Is a Fractional CFO Right for You?
Most businesses under $10M in revenue do not need a full time CFO. But they absolutely need CFO level thinking. If any of these sound like you, fractional is the right fit.
The Bigger Picture
Your Accountant Already Knows Your Business Plan.
This is the part that no other accounting firm can replicate.
The Exceptional Plan is not just an accounting firm. We are the firm that helps entrepreneurs start, scale, and exit their businesses, and financial operations are one critical piece of that journey. Your CFO and your business planner are on the same team. Your accounting is aligned with your financial projections. Your tax strategy is connected to your growth plan.
And when you are ready to exit, the clean books, consistent reporting, and well documented financial performance we built together become real, measurable value in your business valuation. That is what full lifecycle means.
Where It Starts
Exceptional Start
Business plans, pitch decks, and financial projections built from scratch. The financial model we create here becomes the living benchmark your accounting team executes against every month.
Explore Start
Where You Are Now
Exceptional Scale
Full stack accounting, fractional CFO, bookkeeping, tax strategy, payroll, cash flow management, and forecast monitoring. You are here. Your accountant already knows your numbers because they helped build them.
Explore Accounting
Where It Pays Off
Exceptional Exit
Exit planning, business valuation, and M&A preparation. Clean books, consistent reporting, and documented financial performance are the foundation of a strong valuation. We built them that way from day one.
Explore Exit
Real clients. Real Results.
From Our Exceptional Clients.
"The Exceptional Plan doesn’t treat clients like transactions. They make you feel like part of the team, with care, pride, and true collaboration in every detail."
Alex H.CEO, Founder 
"I’d give more stars if I could. The Exceptional Plan took my idea and turned it into the best business plan my banker had ever seen. They guided me with care, cheered me on, and treated me like a friend. The best investment I’ve made in my business."
Kimberlee T.Owner 
"Available day or night, The Exceptional Plan team delivers business plans and financials that consistently earn praise from reviewers including investors. Their quick turnaround and attention to detail make them a trusted ongoing partner."
LaneCEO, Founder 
Common Questions
Outsourced CFO FAQ.
What is the difference between a bookkeeper, a controller, and a CFO?
A bookkeeper records transactions and keeps your books clean. A controller manages the close process, ensures accuracy, and produces financial statements. A CFO provides strategic financial leadership — forecasting, scenario planning, investor reporting, and the big picture decisions that drive growth. Most businesses under $10M need a combination of bookkeeping and CFO, which is exactly what we provide.
How many hours per month does a fractional CFO work?
Typically 10 to 30 hours per month depending on your business size and complexity. We scope the right engagement level during your consultation. Some months are heavier (fundraising, year end, major decisions) and some are lighter. That flexibility is the whole point.
How much does a fractional CFO cost?
Most engagements range from $3,000 to $10,000 per month depending on scope and complexity. Compare that to $200,000 to $400,000 per year for a full time CFO plus benefits and equity. Businesses save up to 60% on financial leadership with a fractional model.
Will the CFO attend our board meetings or investor calls?
Yes. Your fractional CFO prepares the financial reporting packages, board decks, and investor updates, and participates in meetings alongside you. Investors and lenders expect to talk to a CFO. We show up prepared.
Do I need bookkeeping too, or just CFO services?
A CFO needs clean data to work with. If your bookkeeping is behind or unreliable, we start there. We offer full stack accounting that includes bookkeeping, controller level oversight, and CFO services. You can engage at any level or take the full stack.
How fast can you start?
Days, not months. If you are an Exceptional Start client, we already know your business and can begin immediately. For new clients, onboarding typically takes 1 to 2 weeks. Compare that to 3 to 6 months to recruit a full time CFO.
Is the consultation free?
Yes. Your first conversation is completely free. We assess your current financial setup, talk through your goals, and recommend the right level of CFO support. You walk away with clarity and a transparent proposal.
Ready for CFO Level Thinking Without the Full Time Cost?
Your first conversation is free. We assess your financial setup, identify where a CFO would have the biggest impact, and recommend the right level of engagement. No pressure, no pitch deck, no obligation.
Book Your Free CFO Consultation
Or call us directly: 316-218-9898