Fractional CFO & Business Advisory in Billings, MT
For businesses that have outgrown DIY finance but do not need a full-time CFO — we plug in as your part-time finance leadership. Monthly cash forecasts, KPIs that matter, pricing analysis, and the numbers behind every big decision.
Who this is for
- Businesses between $1M and $20M in revenue
- Owners planning a hire, a location, an acquisition, or a sale
- Companies with lumpy cash flow, growing payroll, or investor conversations
- Founders who want a real strategic partner, not just a bookkeeper
- Businesses preparing financials for a loan, SBA lender, or private-equity buyer
What's included
13-week cash flow forecast
Rolling weekly cash forecast so you always know what is coming and can act early.
Monthly financial review meeting
A working session with your leadership team — not just a report drop.
KPI dashboard
The 5–10 numbers that actually drive your business, updated monthly.
Annual budget & quarterly re-forecast
A real budget you can hold managers to, updated quarterly as the year unfolds.
Pricing & margin analysis
Product, service, and customer profitability broken down so you know what to raise and what to cut.
Debt, banking & investor support
Loan applications, banker relationships, and investor conversations prepared and supported.
When you need a CFO — and when you do not
You do not need a full-time CFO until you are consistently past $15–20M in revenue. Before that, the workload does not justify a $200K salary — but the questions absolutely justify the expertise. That is the fractional CFO gap we fill: senior finance leadership on a monthly retainer, integrated with the bookkeeping and tax work we already do for you.
Signs you are ready: cash flow surprises are happening; you cannot answer basic profitability questions by product, service, or client; you are considering a hire that would meaningfully change the P&L; you have a banker or investor conversation coming up; you are considering an acquisition or a sale.
What working with our CFO team looks like
We start with a 30-day diagnostic: we build your KPI dashboard, run a 13-week cash forecast, set up a working budget, and identify the 3–5 biggest financial priorities for the next 12 months.
From there, you get a monthly working meeting with your CFO, weekly cash updates during periods that matter, and unlimited access for the ad-hoc questions that always come up between meetings. Because the same firm does your books, payroll, and taxes, the numbers we work with are current and correct — not a snapshot from three months ago.
Common projects
Pricing analysis — modeling the margin impact of a price change before you make it. New-hire modeling — quantifying whether a hire pays back and by when. Location or equipment ROI — figuring out whether a new truck, machine, or storefront makes sense. Loan and SBA preparation — assembling the financials and projections banks want to see. Acquisition or sale prep — normalizing financials, calculating SDE or EBITDA, and preparing due diligence.
Related services
Bookkeeping Services
Clean, current books — every month, without you lifting a finger. Marlow Accounting provides monthly bookkeeping for small businesses across Billings and Montana, delivered by a dedicated team on a fixed monthly price.
Learn morePayroll Services
Payroll is where small mistakes turn into big penalties. Marlow Accounting runs full-service payroll for Montana small businesses — direct deposit, tax filings, year-end forms — integrated with your bookkeeping so nothing falls through the cracks.
Learn moreTax Planning
Filing a tax return is not tax planning. Tax planning is what happens between January and December — the strategy that decides how much you owe when the return is prepared. Marlow Accounting builds proactive tax plans for Montana business owners, then executes them across the year.
Learn moreReady to talk fractional cfo & business advisory?
Call us or schedule an appointment — we'll answer your questions and quote your work up front.