Fractional CFO
A forecast tells you what's coming.
Forecasting, Cash Planning, and Fractional CFO Support
Accurate books tell you what happened. A forecast tells you what's coming. BBK Accounting helps growing businesses plan ahead, from cash flow forecasts and simple financial models built by our own team to experienced fractional CFO support when your business is ready for it. Because your forecasts are built on books we keep, they start from numbers you can trust.
How we help
Forecasts and cash planning: rolling cash flow forecasts, cash runway, and scenario planning built from your actual books
Fractional CFO advisory: an experienced CFO on your team for pricing, financing, growth decisions, and complex modeling
Two levels of support
| BBK forecasting | Fractional CFO | |
|---|---|---|
| Best for | Growing businesses that need to see cash coming and plan decisions | Owners facing bigger strategic decisions, multiple entities, lenders, investors, or a board |
| What you get | Cash flow forecasts, cash runway, simple models, and scenario planning | Regular strategy sessions, complex modeling, pricing, financing, KPIs, and investor and board reporting |
| Led by | The BBK controller team | BBK's fractional CFOs |
| Pricing starting at | $200 per hour, quoted per project | $5,000 per month, quoted individually after a financial review |
Most clients start with forecasting from our controllers. When your questions outgrow a forecast, one of our fractional CFOs joins the same team, working from the same books.
Meet your forecasting and CFO team
Everyone here works from the books your BBK bookkeeper keeps.
Group photo coming soon
Group photo of the BBK controller team.
BBK controller team
Our controllers build and maintain your forecasts and models, working from the books your bookkeeper keeps, and they stay involved when a fractional CFO joins your team.
Photo coming soon
Headshot of Matt Appel, Lead Fractional CFO.
Matt Appel
Lead Fractional CFO
Matt sits in your CFO seat part time, working from the books BBK keeps, so pricing, hiring, debt, capacity, and exit decisions get made on real numbers instead of instinct. Every engagement starts with a financial review, and he'll tell you honestly whether you're ready for a CFO or just need better reporting.
Bio coming soon
Depending on your needs, your CFO may be Matt or another experienced CFO on our fractional CFO team.
Forecasts and cash planning
For most businesses, our team can build and maintain the forecasting you need:
- Cash flow forecasts that show what's coming in and going out over the weeks and months ahead
- Cash runway visibility, so a shortfall shows up early enough to act on
- Simple financial models built from your actual results
- Scenario planning for decisions like hiring, taking on debt, or adding capacity
- Forecast-ready data for your lender, investors, or outside advisors
We build forecasts from your real books, and then compare them to what actually happens, so your planning gets better over time.
Fractional CFO advisory
At some point, the questions get bigger than a forecast can answer. It may be time for a fractional CFO when:
- You're making decisions about pricing, financing, or expansion that could shape the next several years
- Your forecasts need to model many moving parts, entities, or scenarios
- Lenders, investors, or a board expect more sophisticated financial reporting and strategy
- You need financial leadership, but not a full-time executive salary
For these needs, we add an experienced CFO to your team for complex forecasting and strategic work.
What your CFO can help with
Complex forecasting and financial modeling, including multi-entity and multi-scenario models
Pricing strategy and unit economics, so you know what each product, service, or customer really earns
Compensation design, such as commission and incentive plans for a sales team
Balance sheet and working capital strategy, including managing receivables, payables, and inventory to free up cash
Financing and lender relationships, including debt structure and preparing for loan or credit line conversations
Strategic planning and KPIs, with the measures that tell you whether the plan is working
Investor and board reporting that gives stakeholders confidence in your numbers
What this looks like in your industry
Construction and trades:
cash forecasts built around backlog, progress billing, and retainage, so a slow-paying job doesn't catch you short on payroll
Law firms:
partner draws, hiring decisions, and multi-office expansion tested against real cash flow, kept separate from client trust funds
SaaS and technology:
recurring-revenue forecasts, cash runway, and the metrics investors and lenders ask for
Restaurants and hospitality:
seasonal cash planning and new-location decisions based on real labor and food costs
Nonprofits:
grant timing and restricted funds built into the cash forecast, so programs don't stall between awards
How it works
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Start with your books. Reliable forecasting and CFO work depend on accurate books, so we make sure yours are ready.
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Begin with BBK forecasting. Our controllers build cash flow forecasts and simple models for most clients.
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Add CFO support when you need it. An experienced CFO from our fractional CFO team joins you.
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One connected team. Your controllers and your CFO work from the same books, so everyone stays aligned.
Pricing
Prices on this page are for these services on their own. We can build them into a customized package with any of our other services, such as bookkeeping, financial reporting, and tax planning, for one monthly price. Schedule a call to put yours together.
BBK forecasting and financial modeling: starting at $200 per hour. We scope and quote each project before work begins.
Fractional CFO work: starting at $5,000 per month, quoted individually based on your needs. We'll walk you through options and pricing before any engagement begins.
Frequently asked questions
Do I need a fractional CFO?
Not always. Many businesses get what they need from cash flow forecasting and simple models built by our team. We'll tell you honestly when your questions call for CFO-level support.
What's the difference between a forecast and a budget?
A budget sets targets for the year. A forecast is updated as the year unfolds, to show where you're actually heading.
Will I have to change bookkeepers to work with a CFO?
No. Your books stay with us, and your CFO works from the same numbers.
How much does forecasting cost?
BBK forecasting and modeling starts at $200 per hour and is quoted up front. Fractional CFO work is quoted individually.
Still have questions about forecasting or CFO support?
We'll talk through the decisions ahead and whether forecasting or a fractional CFO fits your business.
Plan your next move with confidence
Tell us what decisions are ahead, and we'll help you see what's coming.