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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?". For regional groups, the question often becomes "how are we really doing across all our markets?". 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, in person or remotely, 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: a new market, an investment or 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 of 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 on planning, cash, pricing, funding and growth. Both matter, and 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, with entities in several countries, 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