The big agency-CFO firms are built for $5M+, and pricing to match. A full-time CFO costs $200K+. If you're an agency or professional services firm doing $500K–$3M, you're stuck between a bookkeeper who reports the past and nobody who'll plan the future. That gap is the whole reason SmartScale exists.
Your P&L says you're profitable. Your bank account disagrees. Retainers land before the work does, one client eats half your team, and the numbers can't tell you which one — bookkeeping reports the past, and you're making six-figure decisions about the future.
If a few of these sound familiar, it's probably time.
Concrete work, delivered every month — not vague "advisory." Here's what lands on your desk.
A rolling 13-week cash forecast, updated as reality changes. You see shortfalls weeks ahead — with time to do something about them.
An annual operating budget and a 12-month forward forecast, translating your goals into a real plan with numbers attached.
Where you actually make money — by product, service line, or client — so you can price and prioritize on facts.
The handful of numbers that run your business, tracked monthly with trends and plain-English commentary on what moved and why.
Hire, expand, raise prices, take on debt? We model the scenarios so you walk into every big call with the math already done.
Financing packages, projections, and the summary a bank or investor expects — prepared before you need them, not the night before.
A clear path from first call to a business that runs on real numbers.
A free 30 minutes on where the business is, what's keeping you up, and whether we're a fit. No pitch.
We get the books clean and current, then build your first forecast and dashboard so we're working from truth.
Each month: updated numbers, a KPI review, and a working session with Amy on the decisions in front of you.
When a real decision comes up — a hire, a loan, a pivot — we model it together, on your timeline.
A monthly retainer is a real commitment, and you shouldn't have to make it on a thirty-minute call. The Agency Profit Audit is a fixed-fee analysis of your client profitability, utilization, and cash — $2,000, two to three weeks, yours to keep. If you move to a retainer within 60 days, 75% is credited against your first three months.
Every engagement is scoped to your business on a discovery call. These are starting points, not ceilings.
Engagements are month-to-month after a one-month onboarding. Final scope set on the discovery call.
A bookkeeper records what happened — accurate, essential, backward-looking. A fractional CFO uses those numbers to look forward: forecasting cash, analyzing margins, and helping you make decisions. Think of it as the difference between the scoreboard and the game plan. Many clients keep both, and we can be both.
Not necessarily. If your books are behind or messy, getting them current is the first thing we do — it's the foundation the forecasting sits on. You don't have to fix anything before reaching out.
Fractional CFO work is built for exactly this range — roughly $500K to $3M in revenue. You're big enough that decisions carry real money, but not big enough to justify a full-time finance hire. That gap is the whole reason fractional CFO services exist.
It varies by engagement, but think in terms of a few focused days a month rather than hours logged. You get the deliverables, the monthly working sessions, and Amy on call for the decisions that come up in between.
No — we work alongside your CPA. They handle tax filing; we handle the ongoing financial planning and keep your books so clean that tax time is faster (and often cheaper). If you don't have a CPA, we can point you to good ones.
Bring your biggest financial question. In 30 minutes I'll tell you honestly whether fractional CFO support is the right move — and where I'd start.
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