Your business has outgrown bookkeeping, but not into a full-time CFO. We fill the gap.
Accurate books are not the same as clear decisions. We give owners CFO-level costing, forecasting and reporting, and the lender-ready financials that growth requires, on a fractional basis.
WHERE WE HELP
Owners who need decisions, not just accurate books.
You lost your CFO or controller
A key finance person has left, the close is slipping and no one can answer the questions the owners, the bank or the auditors are asking.
Growth outpaced the numbers
Revenue is up, but cash is tight and it is unclear which jobs, products or customers actually make money.
A bank or investor is asking questions
A lender wants a forecast, covenant calculations or cleaner financials before it will extend or renew credit.
You are starting or raising capital
A new venture needs its accounting, reporting and financial model set up correctly from the start, and a story investors can follow.
Pricing feels like a guess
Prices were set years ago and no one has measured margin by product, service line or customer since.
Tax is handled once a year
Tax planning happens at filing time rather than through the year, when decisions could still change the outcome.
WHAT WE DELIVER
Fractional CFO
Senior financial leadership on a part-time basis: monthly review, planning, lender and investor communication, and a seat at the leadership table.
Job and product costing
The true cost of each job, product or service, so you know where margin is earned and lost.
Cash flow forecasting
A rolling 13-week and annual cash forecast that is updated as conditions change.
Pricing and margin analysis
Margin by product, service line and customer, with pricing scenarios before you make a change.
Budgeting and KPI dashboards
An annual budget, monthly variance review and a short set of measures leadership tracks every month.
Lender-ready financials
Clean statements, forecasts and covenant calculations prepared the way lenders expect to see them.
Startup setup and capital raising
Chart of accounts, systems, financial models and investor materials built correctly from the start.
Year-round tax strategy
Tax planning built into the financial calendar and executed with our licensed tax and legal partners. Ledger & Oak is not a CPA firm and does not prepare tax returns or provide legal advice.
Finance transitions
Interim coverage when a CFO or controller leaves, followed by help hiring and onboarding the replacement.
HOW AN ENGAGEMENT WORKS
Prove the value first. Commit later, if at all.
Assessment
We start with a focused review of your numbers, systems and the decision in front of you, and we tell you plainly what we would do and what it would take.
Project-based retainer
Work begins as a defined project or a modest retainer with monthly deliverables, so you see the value in your own numbers before any long-term commitment.
Ongoing support
Clients who continue often do so month to month, because the work stays useful and the terms stay simple.
THE DECISION SUPPORT DISCIPLINE
The costing, forecasting and margin analysis we use for private businesses comes directly from hospital Decision Support, where knowing the true cost of every service is a matter of survival.
Get CFO-level clarity without a full-time CFO.
Tell us what decision is on your desk. We will tell you how we would approach it and what it would take.