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Fractional CFO Services for Growth Without the Guesswork

Executive financial leadership for companies without a full-time CFO. We step into the role and guide your company's financial direction, so you can focus on what you do best.

Who Is Leading Your Finance Function?

In many growing companies, the CFO role falls to the founder or CEO by necessity, on top of running the business. Your bookkeeper or accounting team keeps the books current, but no one leads the full finance function. Major decisions often come down to guesswork, risks surface only after they affect results, and opportunities to improve profitability may be missed.

Executive leading a finance discussion with his leadership team

The Office of the CFO

CFO

Accounting

AP, AR, and payroll

Financial statements

Controls and compliance

Tax and audit

FP&A

Planning

Forecasting

Performance management

Analysis

Treasury

Cash and investments

Banking relationships

Debt and financing

Risk management

Accounting tells you what happened. FP&A shows what's ahead and what to do about it. Treasury makes sure the business is funded and protected. The CFO provides executive financial leadership across all three functions, so major decisions draw on the full financial picture. The CFO also coordinates with your accountants or bookkeepers, tax preparer, insurance broker, and banker so everyone works from the same plan.

Is a Fractional CFO Right for Your Business?

You may be ready for a fractional CFO if any of these sound familiar:

Rapid Growth

Your company is growing faster than your finance function, whether you're adding headcount, scaling operations, or expanding into new locations, product lines, or markets.

Decisions on Gut Instinct

You're making major decisions without a budget or forecast behind them. Large purchases and new commitments are made before anyone has modeled their impact on the business.

Cash Surprises

Your bank balance shows what you have today. It can't show what you'll have three months from now, so shortfalls can catch you by surprise when payroll or a large payment is due.

Hidden Risks

Fraud exposure, insufficient insurance, and overreliance on a few large customers create risks your team may not know to look for.

Momentum CFO partners with businesses that have $5 million or more in annual revenue and an established bookkeeping or accounting function. The best fit also has the resources to invest in senior financial leadership and enough complexity to warrant a CFO.

What Fractional CFO Leadership Includes

Solutions That Build Momentum

Your Financial Health Assessment delivers a prioritized strategic plan and a roadmap for carrying it out. We complete the one-time projects it identifies and lead the ongoing work, which typically includes:

Finance leader presenting to colleagues in a boardroom

Monthly

  • Hold financial reviews to discuss risks and goals.
  • Provide clear reporting and customized dashboards.
  • Analyze results against budgets to fix shortfalls.
Finance executive reviewing reports at her desk

Quarterly and Annually

  • Prepare board presentations and lender reporting.
  • Lead the annual budget process for leadership.
  • Design commission plans and benchmark their wages.
Two colleagues collaborating at a laptop

As Needs Arise

  • Steer major decisions like financing or an exit.
  • Advise on significant pricing and new investments.
  • Build detailed cash forecasts for closer tracking.

This support gives you a clear view of where your business stands and where it’s headed, so you don’t have to make big decisions alone.

Hear From Momentum CFO Clients

The Momentum CFO Difference

Rosemary Linden personally leads every engagement. She brings more than 25 years of financial leadership experience across Fortune 500 and founder-led companies, including managing finance functions for organizations exceeding $1 billion in annual revenue.

The San Diego Business Journal recognized her as 2025 CFO of the Year in the Consulting CFO category for the strategic leadership she brings to growing companies. Her depth in planning, forecasting, and analysis means your business gets a CFO focused on where the business is headed.

San Diego Business Journal CFO of the Year Awards 2025 Winner

Frequently Asked Questions

What is the difference between a fractional and interim CFO?

A fractional CFO provides ongoing, part-time executive leadership. An interim CFO is a temporary, typically full-time executive who fills a vacant CFO role temporarily, such as during a search or leadership transition. Momentum CFO provides fractional leadership.

No. Your bookkeeper, accounting team, and CPA continue to handle that work, including tax and compliance filings. We oversee it and coordinate with them.

We charge a flat monthly fee based on the scope of your needs. Your Financial Health Assessment defines that scope, and we provide a proposal afterward, so you know the investment before the engagement begins.

Forward-looking planning and forecasting experience, experience with companies larger than yours, and whether the principal does the work personally.

Yes. We're based in San Diego and serve businesses nationwide, working virtually with clients outside the area.

Contact Us

Let's Discuss Your Financial Goals

Every engagement begins with understanding your company, your priorities, and where you want to go.

Schedule a consultation to explore how Momentum CFO can strengthen your finance capabilities and support your business goals.