We provide lender-ready capital raise packaging and debt or equity placement support for business owners and buyers looking to secure serious term sheets and close funding on a defined timeline.
For business owners and acquirers pursuing private debt or equity, submit your deal for review. We revert within one working day with next steps and either a quote for our services.
For pre-submission discussions, we offer paid consultations. To initiate underwriting and lender outreach, submit the deal.
Financely · Fractional CFO Services
A full-time CFO costs upwards of $250,000 per year in salary alone. Financely's Fractional CFO service gives you access to the same calibre of senior finance leadership on a flexible, monthly retainer. Cash flow management, financial modelling, fundraising support, board reporting, and strategic finance, all delivered without the full-time overhead.
A fractional CFO is a senior finance executive who works with your business on a part-time or retainer basis rather than as a full-time employee. You get the strategic thinking, financial rigour, and leadership presence of an experienced CFO without carrying the fixed cost of a six-figure salary, benefits package, and equity grant.
For businesses in the $2 million to $50 million revenue range, or for startups preparing for a fundraising round, a fractional CFO fills the gap between a bookkeeper or controller and a fully embedded C-suite hire. The engagement is scoped to your needs and scales as your business grows.
Our retainer is structured around six core areas of financial leadership. Each engagement is tailored to the priorities your business faces, and the scope is agreed at the outset with room to flex as circumstances change.
13-week rolling cash flow forecasts, working capital optimisation, and early warning systems for liquidity risk. We ensure you always know where you stand and where you are heading.
Integrated three-statement models, scenario analysis, and sensitivity testing. Built to investor standard and updated monthly so your board and management team are always working from the same numbers.
Monthly and quarterly board packs with P&L, balance sheet, cash flow, KPI dashboards, and an executive narrative. Prepared on time and structured to support confident decision-making.
Financial due diligence preparation, data room structuring, investor deck financial sections, term sheet review, and support through to close. We have helped clients raise from seed through to Series C.
Annual budget builds, rolling forecasts, and departmental cost reviews. We work with your leadership team to translate business strategy into a credible financial plan with clear accountability.
Acquisition analysis, build-vs-buy assessments, commercial deal structuring, and post-merger integration support. We provide the financial lens on your most significant strategic decisions.
Financely's Fractional CFO service is designed for businesses at a specific point in their growth: large enough to need serious financial oversight, but not yet at the stage where a full-time CFO hire is the most efficient use of capital.
| Business Stage | Typical Finance Challenge | How We Help |
|---|---|---|
| Pre-Series A startup | Building investor-ready financials without a finance team | Model build, pitch deck financials, cap table modelling, financial due diligence prep |
| Series A to B | Cash burn management, reporting to new institutional investors | Board pack delivery, KPI frameworks, hiring plan modelling, covenant compliance |
| SME scaling to $20M+ | Growing faster than the finance function can keep up | Process improvement, ERP selection support, management accounts, debt structuring |
| Pre-exit or IPO-bound | Audit readiness, normalised EBITDA, clean data room | Financial due diligence preparation, quality of earnings support, historical restatements |
| Business in transition | CFO departure or interim gap | Immediate cover, continuity of reporting, handover to permanent hire |
Many businesses operate with a bookkeeper or external accountant and assume that covers their finance needs. It does not. Accounting is a record of the past; a CFO function is about the future. The table below sets out where each option fits.
| Capability | Bookkeeper / Accountant | Fractional CFO | Full-time CFO |
|---|---|---|---|
| Monthly accounts | Yes | Oversight | Yes |
| Cash flow forecasting | Rarely | Yes | Yes |
| Investor-grade financial model | No | Yes | Yes |
| Board reporting and narrative | No | Yes | Yes |
| Fundraising financial support | No | Yes | Yes |
| Strategic finance and M&A | No | Yes | Yes |
| Typical annual cost | $15,000 to $40,000 | $102,000 ($8,500/mo) | $250,000 to $400,000+ |
Financely's Fractional CFO retainer is a single, fixed monthly fee with no variable billing, no hidden charges, and no minimum contract term. You can scale the engagement up or down with 30 days' notice.
Custom engagements: For businesses requiring more intensive support, project-based work (such as a full fundraise process or M&A transaction), or additional team members, Financely can scope a bespoke arrangement. Contact us to discuss.
Onboarding is straightforward and takes approximately two weeks from payment to first deliverable. The process is as follows.
| Step | What Happens | Timing |
|---|---|---|
| 1. Make payment | Review our bank details and submit your first monthly payment. Once cleared, your engagement starts. | Day 1 |
| 2. Onboarding call | A 90-minute session with your fractional CFO to understand your business, current financials, and immediate priorities. | Days 2 to 3 |
| 3. Access and data | We connect to your accounting software, review existing models, and gather historical financial data. | Days 3 to 7 |
| 4. Initial assessment | A written assessment of your current financial position, key risks, and a prioritised 90-day work plan. | Day 10 |
| 5. First deliverable | Your first board pack or financial model, depending on your immediate need, is delivered for review. | Day 14 |
Review Financely's bank details and submit your first month's retainer to begin the onboarding process. You will be contacted within one business day to schedule your onboarding call. For questions before committing, use the contact details on our website.
On a day-to-day basis, your fractional CFO monitors cash flow, reviews financial data as it comes in, responds to ad hoc finance questions from you and your team, and maintains the financial model. On a weekly basis, they deliver a cash flow update and join a management check-in. Monthly, they prepare the board pack and update the forecast. Periodically, they support fundraising, budget cycles, or strategic projects as needed.
A financial controller or management accountant focuses on recording and reporting historical financial data accurately. A CFO focuses on the future: what the numbers mean, what decisions they should drive, how to structure the business for growth or a capital event, and how to manage risk. Many businesses have both: a controller who handles the books and a fractional CFO who interprets the data and leads finance strategy.
No. The fractional CFO engagement is designed to work whether you have a full internal finance team or just a bookkeeper handling your accounts. If you have no finance staff, the fractional CFO coordinates directly with your accountant and works from your accounting system. If you have existing team members, the fractional CFO provides leadership and direction to them.
Once your first month's payment has cleared, we typically schedule your onboarding call within one to two business days. The full onboarding process, including data access, initial assessment, and first deliverable, takes approximately two weeks. If you have an urgent need, such as an imminent board meeting or investor meeting, we will prioritise accordingly.
There is no minimum contract term. The retainer is month-to-month and can be cancelled with 30 days' written notice. In practice, most clients engage for six to eighteen months or longer, as the value of a CFO function compounds over time as the relationship deepens and the financial infrastructure improves. However, we do not require any commitment beyond the current month.
We work with all major cloud accounting platforms including Xero, QuickBooks, Sage, and NetSuite, as well as spreadsheet-based environments for businesses that have not yet adopted dedicated software. Financial models are built in Excel or Google Sheets to a professional standard, with version control and documentation. We can also support ERP selection and implementation if you are in the process of upgrading your systems.
Yes. The retainer includes up to two board or investor calls per month. Your fractional CFO will present the financial section of the board pack, field questions from board members or investors on the numbers, and provide the finance leadership presence that a growing board expects. For businesses with more frequent board activity, additional call capacity can be arranged.
Payment is made by bank transfer. You can find Financely's full bank details, including account name, account number, sort code, IBAN, and SWIFT/BIC, at financely-group.com/bank-details. The monthly retainer is $8,500 USD, payable in advance at the start of each month. Once your first payment has cleared, we will contact you within one business day to begin onboarding.
The retainer is $8,500 per month with no lock-in. Make your first payment today and your fractional CFO will be in contact within one business day to schedule onboarding.
Disclaimer: This page describes Financely's Fractional CFO retainer service. Engagements are subject to a mutually agreed scope of work and Financely's standard terms of engagement. Financely does not provide audit, statutory accounting, tax advisory, or legal services. All financial work is advisory in nature. Payment of the monthly retainer constitutes acceptance of the engagement terms provided at onboarding.
Submit your deal using our secure intake form, and receive a quote within 1-3 business days. Existing clients can connect with their relationship manager through our secure web portal.
All submissions are
promptly reviewed, and all communications are conducted through the intake form or the client portal for a seamless and secure process.
Thank you for considering working with us. A nominal fee of US$500 is required upon completion of each form. This fee covers the time and effort we invest in reviewing your submission and crafting a thorough proposal. We receive numerous inquiries and prioritize those that carry this fee, ensuring serious applicants receive prompt attention.
Tap into solutions like letters of credit, bank guarantees, and payment facilitation. We address the challenge of global transaction risk through structured strategies that foster cross-border growth. Complete the form to unlock streamlined funding aligned with your commercial objectives.
Submit a RequestAccess non-recourse funding for infrastructure, renewable energy, or other capital-intensive ventures. We mitigate capital constraints by isolating project assets and focusing on risk management. Provide your details to receive a structure that drives growth and maximizes returns.
Submit a RequestSecure financing for business or real estate acquisitions. We ease transaction hurdles by reviewing cash flow, synergy opportunities, and exit plans. Complete the form for a customized proposal that supports your strategic investment objectives.
Submit a RequestFinancely assists banks facing Basel III pressures by distributing trade finance deals and providing collateral for letters of credit. We reduce capital burdens while preserving client relationships and fostering service expansion. Submit your request to optimize your trade finance offerings.
Submit a RequestOnce we receive your submission, our team will review your information to determine feasibility. If eligible, you will receive a proposal or term sheet within 1–3 business days. Visit our FAQ and Procedure pages for more information.
Disclaimer: Financely provides financing based on due diligence and feasibility. Approval is not guaranteed, and past performance does not predict future outcomes. All terms are subject to review. Financely primarily assists with structuring and distribution. Qualified parties carry out the project if the client approves the proposal.
Financely advises growth-focused businesses on accessing capital by introducing their opportunities to professional investors. Financely is not a securities broker or dealer. Where appropriate, engagements are coordinated with regulated broker-dealers, investment banks, legal counsel, and other specialists.
Financely does not solicit, offer, or accept orders to buy or sell securities and makes no assurance regarding capital-raising outcomes.
Services are strictly business-to-business. Financely does not provide personal finance, consumer credit, or retail advisory services.
Advisory services are reserved for post-revenue companies that recognize the time and resources required for professional underwriting.
To proceed,
request a quote
and receive indicative commercial terms. If you require guidance before engaging,
book a paid telephone consultation.
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Email supportdesk@financely-group.com for general enquiries, press & partnership requests.
All mandates start with an RFQ. We review submissions, issue a brief Go/No-Go memo, and where bankable, release a Term Sheet that leads to funding. We arrange capital across Senior Secured, Unitranche, Second Lien/Mezzanine, Preferred Equity, and Gap Solutions. We do not process deals by email or chat.
Letters of Credit, Standby LCs, Confirmations, Receivables Finance, and Inventory Lines with control.
Funding arranged for trade flows with instruments sized to your cycle and aligned to delivery and settlement.
Move forward to secure working capital and keep goods moving. Submit the RFQ to start underwriting for funding.
Limited or non-recourse structures for energy and infrastructure with lender-ready materials.
Funding solutions aligned to project cash flows with credible covenants and conditions to reach notice to proceed.
Advance the file to termable status. Submit the RFQ so we can underwrite and secure funding.
Debt and Preferred solutions anchored on cash flow, Quality of Earnings, and clear closing mechanics.
Funding across senior, unitranche, and preferred to match stable cash flows and acquisition timelines.
Get financed on workable terms for closing. Submit the RFQ to start underwriting.
Acquisition, development, bridge, and refinance with lender-ready packs and third-party reports managed.
Funding calibrated to DSCR, leverage, and tenancy with terms designed to close.
Move to a financeable package. Submit the RFQ to initiate underwriting for funding.
KYC and Source of Funds required. Engagements are best-efforts and subject to underwriting. Preference for operating companies with meaningful revenue. See our FAQ and Procedure.
Financely Inc. (“Financely”) provides corporate-finance advice and is wholly owned by Aurora Bay Trust, a trust formed under Bahamian law, together with its authorized affiliates. Depending on deal structure, jurisdiction, and local rules, engagements may be carried out through Financely Group LLC, a non-deposit-taking, non-banking financial company; Ashford Capital Advisory LLC; or another related entity.
Financely and its affiliates are not registered as securities broker-dealers and do not execute securities transactions or hold client funds or securities. When a mandate involves the purchase or sale of securities and a registered intermediary is required, any orders are introduced to and executed by one or more independent U.S. broker-dealers registered with the SEC and FINRA. Those broker-dealers are solely responsible for trade execution, custody, and related regulatory obligations. Nothing in this material constitutes an offer, solicitation, or recommendation to buy or sell any security or to engage in any specific transaction. Before engaging Financely Group LLC, Ashford Capital Advisory LLC, or any affiliate, you are responsible for confirming that such engagement complies with your own legal, regulatory, tax, and other requirements. In the United States, certain advisory activities may be conducted in reliance on exemptions available under the Investment Advisers Act of 1940, including the “foreign private adviser” exemption where applicable. Our services and regulatory status may vary by jurisdiction and by transaction type.
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