For owners making big calls on gut feel
CFO-level financial strategy,
without the CFO salary.
Forecasting, cash strategy, margins, and the numbers behind your biggest decisions — the judgment of a seasoned CFO, fractional and on one predictable monthly fee. Built on the Continuous Close Method™.
You can run a growing company on instinct — right up until the decisions get too big for instinct.
01Instinct got you here. A founder who knows the business cold can feel when something is working and price off experience, and for years that judgment is enough. But as the company grows the calls get heavier — a key hire, a price change, taking on debt, opening a second location — and each one moves real money. Gut feel was never meant to carry decisions of that size.
02And the spreadsheet can’t answer them. A P&L tells you what already happened; it doesn’t model what a hire does to cash three months out, which products actually carry their weight, or whether a price will hold margin. Most companies your size can’t justify a $200–300k full-time CFO, so the questions that need a CFO simply go unanswered — or get answered on feel.
03Debit & Co. gives you a CFO’s judgment without the CFO salary. A fractional CFO builds your forecast, models the big decisions before you make them, and puts real numbers in front of you every month — all on a foundation of books kept current by the Continuous Close Method. You still make the call. You just make it with the math done.
You need a CFO when…
Most engagements begin with three or more of these eight conditions.
- Big decisions get made without the numbers in front of you.
You find out the cost of a call only after you’ve made it. - You have no cash-flow forecast beyond what’s in the bank today.
A tight month arrives as a surprise instead of a plan. - You don’t know your true margin by product, service, or client.
You may be scaling the very things that lose money. - Pricing is set by feel and rarely revisited against cost.
Margin erodes quietly while revenue looks healthy.
- Conversations with your lender or bank feel stressful and unprepared.
You negotiate from weakness on terms that compound for years. - There’s no budget, so there’s nothing to measure actuals against.
Overspend hides until it’s already spent. - You can’t model what a new hire or an expansion does to the business.
You commit to fixed costs on hope rather than a plan. - The profit on your P&L doesn’t match the balance in the bank.
You never quite trust either number when it matters.
The Financial Clarity™ framework.
Three pillars behind decisions you can finally make with numbers, not nerves. Every engagement maps to them.
01
Clean.
A forecast is only as good as the books under it. Numbers that reconcile to the dollar, a close that lands on a fixed schedule, and margins you can actually trust — the raw material every decision is built on.
02
Forward-looking.
A rolling cash forecast, a budget with variance you watch monthly, and scenario models for the hire, the price change, the expansion — so you see the decision before you make it, not after.
03
Communicable.
Reporting your leadership team, your board, and your bank can actually read. A monthly owner’s package, the story behind the numbers, and a confident seat across the table from any lender.
Your fractional CFO works the second and third pillars; a senior Controller keeps the first one airtight underneath.
Six functions your fractional CFO owns.
Every engagement is composed of these six functions. The depth of each depends on your company’s size, stage, and the decisions in front of you.
Cash Flow Forecasting
A rolling 13-week and annual cash forecast, updated as reality moves. You see tight months while there’s still time to act — instead of discovering them when the balance drops.
Pillar: Forward-looking · Led by: Your fractional CFO
Budgeting & Variance
An annual budget your leadership team builds toward, then a monthly read of budget versus actuals. Overspend and shortfalls surface early, while they’re still small enough to correct.
Pillar: Forward-looking · Led by: Your fractional CFO
Margin & Unit Economics
True margin by product, service, and client — not a blended average. You learn which lines actually carry the business, so you scale the profitable work instead of the busy work.
Pillar: Forward-looking · Led by: Your fractional CFO
Pricing & Scenario Modeling
Before you raise a price, make a hire, or open a location, we model it. You see the effect on cash and margin on paper first — so the big call is a decision, not a gamble.
Pillar: Forward-looking · Led by: Your fractional CFO
Lender & Bank Support
When it’s time to raise a line, refinance, or renew terms, your CFO prepares the package and sits beside you in the conversation. You walk in with a forecast and a story, not a folder of statements.
Pillar: Communicable · Led by: Your fractional CFO
Board/Owner Reporting
A monthly package built for whoever you answer to — a board, a partner, or just yourself. The numbers, plus the CFO’s read on what they mean and what to do about it.
Pillar: Communicable · Led by: Your fractional CFO
Featured case · B2B SaaS
“For the first time, we made decisions with real numbers in front of us. The forecast showed where margins were bleeding and surfaced $180k in redundant vendor costs we’d been carrying for years.”
CEO · $22M B2B SaaS Company
$180k
Redundant vendor cost recovered
Month 3
Margin breakthrough
6-day close
Down from 22 days
Where a fractional CFO fits.
Specificity is a service. The list below is honest.
A good fit:
- A profitable, growing company of roughly 10–80 employees.
- Big decisions are coming — a hire, a price change, debt, an expansion.
- You’re too small to justify a full-time CFO, but the questions are CFO-sized.
- You want forecasting and strategy, not just a tidy set of books.
- You’re ready to make decisions with the numbers in front of you.
Not the right fit:
- You already have a full-time CFO leading finance.
- Pre-revenue, with no operating history to forecast from yet.
- You want only bookkeeping or a year-end tax return, not strategy.
- You want software to buy, not a finance leader to own the work.
Common questions, answered.
What does a fractional or outsourced CFO actually do?
A fractional CFO owns the forward-looking side of your finances: building a cash-flow forecast, setting a budget and tracking variance, finding your true margins, modeling big decisions like hires and pricing, and preparing you for lenders and your board. You get a seasoned CFO’s judgment a few days a month instead of a full-time salary.
Fractional CFO vs. controller vs. bookkeeper — what’s the difference?
A bookkeeper records what happened. A controller closes the books and protects accuracy and controls — both are backward-looking. A CFO is forward-looking: forecasting, strategy, pricing, and the decisions ahead of you. You need clean books underneath, but only a CFO turns them into a plan. We provide both layers under one engagement.
How is this different from our accountant?
Your accountant files your taxes and reports on the past year — essential, but periodic and backward-looking. A fractional CFO works alongside you all year on what’s next: the forecast, the margins, the pricing call, the financing conversation. We complement your accountant; we don’t replace them.
How many hours is it, and how does the engagement work?
It scales to your company. Most engagements are a set rhythm each month — a forecast refresh, a budget-versus-actuals review, and a working session on whatever decision is in front of you — with your CFO on call between for the big calls. It starts with a discovery call to scope the right depth for your size and stage.
What does an outsourced CFO cost?
A fraction of a full-time CFO. A seasoned finance leader on payroll runs well into six figures plus benefits and equity; a fractional engagement gives you that judgment for the slice of time you actually need, on one predictable monthly fee. We scope the right depth on a discovery call and send a custom proposal — no full-time salary, no surprises.
Ready for Financial Clarity™?
Book a 30-minute discovery call. Tell us your situation, we’ll be honest about fit, and you get a custom proposal in 48 hours.