Your CFO Partner. Without the CFO Price Tag.
SmallBiz CFO helps business owners stay in control with bookkeeping, cash-flow forecasting, tax strategy, KPI reporting, and ongoing financial clarity—so you can make smarter decisions and grow with confidence.
SmallBiz CFO helps growing businesses understand their numbers, improve cash flow, reduce financial uncertainty and make better decisions with confidence.
We combine accurate bookkeeping, financial reporting, cash-flow forecasting, tax planning and strategic CFO guidance into one connected financial system. You gain experienced financial support without the cost of hiring a full-time CFO.
We do not simply record what already happened. We help you understand what the numbers mean, what is coming next and what action your business should take.
Clear and accurate monthly reports that show the true financial position of your business.
Forward-looking forecasts that help you prepare for expenses, opportunities and potential cash shortages.
Practical financial insight for pricing, hiring, tax planning, profitability and business growth.
This is the journey every client travels with us. Follow the road — or click any month to see exactly what's happening in your business.
We review prior-year books, finalize the year-end close, and prepare the business for tax filing season while keeping monthly accounting operations running in parallel.
Test cash flow, pricing, tax strategy and major growth decisions before committing capital. Each tool gives you a focused financial view without complicated spreadsheets.
Project weekly cash positions using opening balances, recurring inflows, expenses and one-time transactions.
Measure how long cash remains tied up between supplier payments, inventory and customer collections.
Estimate monthly cash burn and see how long current cash reserves can support ongoing operations.
Separate outstanding invoices into current, 30, 60 and 90-plus day aging categories.
Compare gross margin by product or service line and identify where pricing or direct costs are weakening profitability.
Find the revenue and unit volume required to cover all fixed costs and begin producing operating profit.
Test how price, volume and cost changes affect contribution margin and net profitability.
Estimate quarterly federal and self-employment taxes using projected income and deductions.
Compare owner salary and distribution scenarios to evaluate reasonable compensation and potential payroll-tax effects.
Compare common deduction methods for qualified home-office and business vehicle expenses.
Calculate advertising return and marketing ROI by campaign, channel and contribution margin.
Compare customer acquisition cost with lifetime value and assess whether your growth model is sustainable.
Model total employment cost against expected revenue, capacity gains and payback period.
Compare financing, lease payments, ownership cost, tax impact and residual value.
Balance salary, distributions, retirement contributions, benefits and available business cash.
Test purchase price, financing, cash flow and payback assumptions before pursuing an acquisition.
Financial clarity is not one report or one calculator. It is a connected process that turns accurate information into better decisions every month.
Clean, reconciled and consistently categorised books give your business one dependable financial source of truth.
Live dashboards and focused KPIs show where the business is improving, where margins are weakening and where attention is needed.
Rolling cash-flow forecasts help you anticipate shortfalls, plan major expenses and understand the financial effect of upcoming decisions.
Regular strategic guidance connects your financial data to hiring, pricing, tax planning, investment and growth decisions.
A calculator can help you understand one decision. A complete CFO system keeps your books, cash flow, tax strategy and business performance working together every month.
The SmallBiz CFO Program gives you an integrated financial system with clean books, KPI dashboards, cash-flow forecasts, proactive tax planning and regular CFO guidance.
