Fractional CFO Services

More than just a CPA —

Your Fractional CFO.

Gain a top-tier financial executive without the full-time hire. We give purpose-driven owners of $2M–$5M businesses the cash-flow visibility, forecasting, and decision support to make smart decisions — month after month.

Book a Discovery Call

Charlotte, NC · CPA-Led

Serves $2M–$5M Businesses

20+ Years CPA Experience

Accepting new engagements - Q3

13-Week Cash Forecast — Week 1

Every engagement starts here.

The Stakes

Most businesses don't fail at selling. They fail at the numbers.

82%

of small businesses fail due to poor cash-flow management - not lack of profit, not lack of demand.

Source: U.S. Bank / SCORE small-business research

66%

of business owners say improving cash flow is their single biggest challenge this year.

Source: QuickBooks State of Small Business Cash Flow

~ 1/3

the cost of a full-time CFO - for the same strategic horsepower, scaled to the hours you actually need.

Source: Industry comparison — fractional vs. full-time CFO

When You Need A Fractional CFO

If Any of These Sound Familiar, You're Already Late.

The owners who wait for a crisis pay more - in money, time, and stress - than the ones who get help while everything still looks fine.

Growth Has Outpaced the Numbers

Revenue is climbing, but you can't tell if you're actually making money on every line.

Cash Surprises You Most Months

You make sales, then wonder where the cash went. Payroll feels closer than it should.

A Bank or Investor Wants a Forecast

You need a defensible 3-year projection - and a person who can sit across the table for it.

You're Thinking About Selling

Buyer due diligence rewards clean books and clear KPIs. Most owners are 12-18 months from ready.

Pricing Decisions Feel Like Guesses

You haven't raised prices, dropped a SKU, or vetted a new channel against unit economics.

You Have No Forecast or Budget

You're running on a P&L from last month - never on a plan for next quarter.

Every Hire Feels Like a Bet

You can't model the dollar impact of a $90K hire - so you keep saying 'not yet'.

QuickBooks Looks Fine - You Don't Trust It

Reports are inconsistent month to month, categories are messy, and you stopped opening them.

What's Included

The Fractional CFO Engagement, in Six Modules.

One CPA. One engagement. Six durable systems your business will still have ten years from now.

Every Tunstall fractional CFO engagement is built around the same thorough, proactive, systematic framework. We tune the intensity to your stage - but the modules don't change, because they're what works.

Cash-Flow Command

A rolling 13-week cash forecast that tells you, on any Monday, exactly where the bank balance lands.

Weekly cash forecast
AR / AP triage
Banking & lender liaison

Forecast & Budget

A driver-based annual budget plus a 3-year financial model - the artifact you hand to a bank, board, or buyer.

Annual operating plan
3-year P&L / balance sheet
Scenario & sensitivity modeling

KPI Scorecard

A monthly one-page dashboard of the 6–10 numbers your business actually runs on - not 40 metrics nobody reads.

Monthly close & MD&A
KPI scorecard
Variance commentary

Strategic Decision Support

Before every big move - pricing, hiring, channel, capex - we run the numbers together so the call is informed.

Pricing & margin analysis
Hire ROI modeling
Make / buy / lease decisions

Quarterly Strategy Sessions

We sit down each quarter to review the score, reset the plan, and align tax strategy with operations.

Quarterly strategy meeting
Tax strategy alignment
Owner goal review

Exit & Transition Prep

When it's time to sell, recap, or pass the business on - we get your books, KPIs, and story buyer-ready 12–18 months out.

Quality-of-Earnings prep
Add-back & normalization analysis
Buyer / advisor coordination

How It Works

Four Steps From First Call to Confident Decisions.

Predictable, low-friction, and engineered to deliver value in your first month - not your sixth.

01

Discovery Call

A 30-minute conversation about where the business is, what decisions are coming, and what success looks like for you. No cost, no pitch.

DAY 1 - 30 MIN

02

Financial Diagnostic

We pull your last 12 months of books, model cash flow, and deliver a written diagnostic of what we found - and what an engagement would cover.

WEEK 1-2

03

Onboarding & Cleanup

We get the books to a state we can trust, build your KPI dashboard, and stand up the 13-week cash forecast. Your first monthly close runs end-of-month.

MONTH 1

04

Monthly CFO Rhythm

Monthly close, dashboard, and strategy meeting. Quarterly planning session. Decision support on demand - we are one Slack message away.

ONGOING

Book Your Strategy Call

The clock on 2026 deductions is already running.

Let's See What You're Overpaying.

30 minutes. No commitment. You leave the call with 3–5 specific opportunities we spotted in your last two returns — and a candid read on whether planning is worth your time.

We respond within 1 business day — usually same-day during business hours.
Your data stays yours. Secure document portal, NDA on request, no third-party sharing.
We'll tell you "no" if planning won't pay back. The discovery call is honest, not a pitch.