Embedded financial leadership without the carrying cost of a full-time CFO. Weekly cadence in the operating room — not a quarterly consult dropped in from outside.
Bookkeeping tells you what happened. It rarely tells you what happens next — covenant risk, refinance timing, 13-week cash, or whether the business can absorb the hire you are about to make. Controllers close the books; they do not always speak banker or board language.
Fractional CFO work sits inside the same firm as your tax and specialty planning. Capital structure, entity moves, cost seg, and R&D credits are not siloed — the person in your monthly meeting knows what the return will say.
At MVA, your finances are too important to trust to AI alone. We are experienced CPAs and tax professionals who combine modern tools with genuine expertise, personal attention, and real human guidance.
Best fit: Owner-led businesses scaling beyond a controller · pre-transaction prep · board-driven cadence
We map reporting cadence, lender relationships, forecast accuracy, and where decisions stall between the owner and the back office.
Typically 1–4 days per week embedded — weekly cash, monthly close review, KPI dashboard, and board or lender packages on a predictable rhythm.
Covenant tracking, refinance windows, AR/AP discipline, and scenario models for hiring, capex, or acquisition.
When you sell, borrow, or bring in equity, reporting and normalization are already in shape — not rebuilt under deadline.
At $5M–$75M of revenue, a fractional seat often runs about one-third the fully loaded cost of an in-house CFO — with senior judgment on the calls that matter: bank renewals, margin by customer, and whether the forecast is lying.