Fractional CFO and bookkeeping for small businesses · $500K–$3M

Busy is easy to measure.
Profitable is the hard part.

Most small businesses at $500K–$3M can't say which clients actually make money — the big CFO firms are built for $5M+, and a bookkeeper can't answer it. You don't need more reports. You get clarity on what's driving the business and a recommendation you can act on.

Certified: Intuit ProAdvisor — QuickBooks Online Certified Intuit ProAdvisor — Client Advisory Services Foundations Graduate Xero Certified Specialist — Level 3
15+
Years in agency & small business finance
13wk
Cash flow visibility, standard
$500K+
The business size we're built for
Our approach

From clean books to clear decisions

You can't run strategy on shaky books. We build from the bottom up — clean records first, then planning, then the CFO thinking on top. Start anywhere; grow into the whole stack.

1

Bookkeeping

Clean books, timely insight

Accurate, current, reconciled books. The entry point, and the ground everything else stands on.

  • Monthly reconciliation and close
  • P&L, balance sheet, cash flow
  • AP & AR tracking
  • Year-end package for your CPA
2

FP&A

Numbers that point forward

Budgets, forecasts, cash flow and KPIs. This is where numbers start pointing forward instead of backward.

  • Rolling 13-week cash forecast
  • Annual budget & 12-month forecast
  • Client & project profitability
  • Budget vs. actuals review
3

Fractional CFO

A partner in the big calls

A partner in the decisions that move the business: pricing, hiring, cash strategy, growth and lending.

  • Scenario modeling for big decisions
  • Utilization & effective rate tracking
  • Monthly strategy sessions
  • Lender / investor-ready reporting

How the CFO layer works →

What changes

When you have a CFO in your corner

Not a report you have to decode. A clearer picture, and a plan you can act on.

13 wks

You see cash coming

A rolling 13-week cash forecast means payroll, taxes, and big buys stop being surprises. You know what's coming before it arrives.

Margin

You know what actually makes money

Profitability by product, service, or client — so you can lean into what works and stop quietly subsidizing what doesn't.

Yes / No

You decide with numbers, not nerves

Hire? Raise prices? Take the loan? Every big call comes with a model behind it instead of a hunch and a hope.

Ready

You're always lender-ready

Clean financials and real projections mean when a bank or investor asks, you hand them a package — not a scramble.

Why SmartScale

Corporate-grade finance,
translated for you

Amy spent 15+ years in corporate FP&A — including at Accenture — the budgeting, forecasting, and board reporting big companies take for granted. Woven through those same years, a decade of teaching math. That combination is rare: the rigor of a controller, the plain-spokenness of a good teacher.

You won't get jargon or a hand-off to a help desk. You get one person who knows your numbers and explains them like they want you to actually understand.

Meet Amy →

FP&A depth

15+ years of forecasting, budgeting, and variance analysis applied to your business.

Plain language

No "EBITDA" without the why. We teach as we go, so you get sharper too.

Forward-looking

Most bookkeepers show you the past. We spend our time on what's next.

Remote, nationwide

Based in Georgia, working with owners across the country by video and cloud.

Start here

Not ready for a monthly retainer?

The Agency Profit Audit is a fixed-fee, two-to-three week analysis: which clients actually make money, what your real utilization is, and where cash lands in thirteen weeks. $2,000, and 75% is credited if you continue.

See what's included →
Simple monthly partnership

Start where you are

Begin with clean books, or step straight into full CFO support. Move up the stack as the business grows.

Foundation
Bookkeeping — the entry point
$300 /mo & up
  • Monthly reconciliation & categorization
  • P&L and balance sheet
  • Monthly check-in call
  • Year-end package for your CPA
See bookkeeping tiers
Clarity
Books + monthly FP&A
$900 /mo & up
  • Everything in Foundation
  • Cash flow statement & tracking
  • Budget vs. actuals
  • Quarterly financial review
Compare all plans

Final pricing is set after a discovery call, based on complexity and transaction volume.

What clients say

Real numbers, real relief

★★★★☆

“Outstanding bookkeeping service! Professional, efficient, and super easy to work with. They save me time every single month so I can focus on growing my business.”

Verified Google Review
★★★★★

5-star rating, no written comment

Verified Google Review
Free 30-minute call

Let's look at your numbers together

No pitch, no pressure. Tell me where the business is, and I'll tell you honestly what would help most — CFO support, cleaner books, or somewhere in between.

Book Your Free Call What is a fractional CFO?