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Fractional CFO

Senior financial leadership without the cost and commitment of a full-time CFO.

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What It Is

CFO-level thinking, sized to your business.

Many growing businesses reach a point where the questions asked of finance change - from "are the books right?" to "what should we do next?". Answering that needs senior financial leadership, but not always a full-time CFO.

A Gardio Fractional CFO works with you for a defined commitment each month - bringing the judgement, structure and experience of a CFO at a cost proportionate to your size.

Is it time?

  • Revenue is growing, but profit and cash aren't keeping pace
  • A major decision is coming - expansion, investment, a large contract
  • Banks or partners want forecasts you struggle to produce
  • There's no working budget, or it's never revisited
  • The owner is the only person who really understands the numbers

What's Included

Tailored to where your business is.

Planning & Performance

  • Strategic financial planning
  • Budgeting & forecasting
  • Management & board reporting

Cash & Funding

  • Cash-flow oversight & working capital
  • Funding preparation & bank readiness
  • Business decision support

Finance Function

  • Financial transformation
  • Controls, close & reporting discipline
  • Finance-team development

Systems & Automation

  • Accounting / ERP fit and structure
  • Automated reporting & dashboards
  • With support from Gardio Technology & AI

How It Works

Understand. Build. Improve.

Discover · Diagnose

Understand

A focused review of your numbers, reporting, cash and finance processes - and agreement on the priorities that matter most.

Design · Implement

Build

Fix the foundations: a reliable monthly close, a clear management pack, a rolling cash forecast and a working budget.

Measure · Improve

Improve

An ongoing monthly rhythm - review meetings, decision support and continuous improvement as the business grows.

Questions

Common questions.

How is a Fractional CFO different from an accountant?
Accountants make sure the records and financial statements are correct and compliant. A Fractional CFO uses that information to shape decisions - planning, cash, pricing, funding and growth. Both matter; they do different jobs.
How much time does a Fractional CFO spend with us?
It depends on your size and priorities. Engagements are agreed as a defined monthly commitment, usually more intensive at the start while foundations are set up, then settling into a regular monthly rhythm.
Do we need to change our accounting system?
Not necessarily. We start with what you have. If the system is limiting reporting or control, we'll recommend options - and Gardio Technology & AI can support implementation if needed.
When should we hire a full-time CFO instead?
As complexity grows - multiple entities, larger finance teams, external investors or a planned transaction - a full-time CFO becomes a natural next step. A good fractional engagement leaves the systems and reporting in place for that hire to build on.

Read: Why growing SMEs need CFO-level thinking →

Let's talk about where your finance function needs to be.

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Or call +974 6628 4400