Fractional CFO Services

Numbers meet clarity. Strategy meets sanity.

Thrive’s Fractional CFO services give growing businesses the financial rigor of a CFO—without the full‑time headcount. We build a diagnostic-first system for your money: clear visibility, sound decisions, and an operating rhythm you can actually sustain.

Who is this for

• Owner-led business doing $300k - $5M+ in annual revenue

• Creative and product companies, professional services, light manufacturing, and multi-location retail

• Teams who want clean signal from their numbers (not more noise) and a partner who can translate finance into actions

If you’ve ever thought, “We’re working hard, but why doesn’t it feel easier?”—you’re in the right place.

Outcomes you can expect

• Clarity on profit drivers: what moves margin, where cash is leaking, and which levers actually matter

• Reliable cash forecasting so you’re never surprised by payroll, taxes, or inventory

• Pricing and COGS logic that matches reality (materials, labor, overhead, admin)

• Simple KPIs & dashboards your team can read in 5 minutes

• Decision cadence: monthly/quarterly reviews that turn data into next moves

• Owner relief: fewer “gut-only” decisions; more time back for the work that actually needs you

What we do (core services)

Profitability modeling & scenario planning (e.g., store/location P&Ls, product lines, capacity models)

• Cash flow forecasting & runway planning (13‑week and 12‑month)

• Pricing, COGS, and labor analysis (unit economics, PARs, margin targets)

• Budgeting & operating plans (annual + quarterly) with variance reviews

• KPI design & dashboards (financial + operational, pivot‑ready)

• Systems & operations alignment (roles, workflows, decision rights)

• Investor/loan readiness (decks, metrics, lender packages)