Fractional CFO: Strategic Growth at a Fraction of the Cost 

Is a Fractional CFO the Strategic Solution for Your Growth?

Many SMEs reach a stage where a traditional accountant is no longer enough, but a full-time CFO is not yet financially viable. A Fractional CFO fills this gap by providing high-level strategic leadership on a part-time basis.

If you recognize your company in two or more of these scenarios, it's time to move beyond basic bookkeeping to strategic financial engineering.

The Fractional CFO Checklist:

• The "In-Between" Stage: Your business is too complex for a bookkeeper alone, but you cannot justify a €120k+ annual salary for a full-time CFO.

• Need for Strategic Partnership: You have a solid grasp of your daily operations, but you lack a dedicated partner to challenge your strategy and build long-term financial roadmaps.

• Scalability Challenges: You are planning to scale operations, but your current financial architecture isn't built to handle rapid growth or international expansion.

• Decision-Making Vacuum: You make major business decisions based on "gut feeling" because you lack real-time, AI-validated data and predictive modeling.

• Professionalization Gap: You need to upgrade your reporting, internal controls, and forecasting to satisfy investors, banks, or your Board of Directors.

• Efficiency Drain: You or your CEO are spending too much time on finance and administration instead of focusing on core business growth and sales.

"A Fractional CFO is an investment in your company's future value. I provide the strategic weight and Big 4 discipline of a top-tier executive at a fraction of the cost—ensuring your finance function is a growth engine, not a bottleneck."

Fractional CFO (The Strategic Partner)

Need CFO-level strategy and a professionalized finance function without a 40-hour-a-week commitment? A Fractional CFO provides a long-term, scalable partnership—typically one day per week—designed for SMEs and growth companies.

What you get:

Rolling forecasts, insightful internal reporting, and rigorous P&L/Balance Sheet integrity checks.

Strategic liquidity management and working capital refinement to free up capital for growth.

Automated detection of inconsistencies and financial discrepancies in real-time, preventing errors before they impact your bottom line.

Establishing robust risk management frameworks to safeguard assets and ensure full regulatory compliance.

Utilizing Monte Carlo simulations and AI to stress-test your business against market volatility and various growth scenarios.

Acting as a high-level sounding board for the CEO and Board of Directors on major investments, pivots, and scaling decisions.

The Value: Professionalize your entire financial architecture and gain a strategic edge for a fraction of the cost.

Why Wideal Oy?

I don't just report on the past; I engineer your future. With over 10 years of Fractional CFO experience—including a landmark case where a near-bankrupt company was returned to profitability within its first fiscal year—I bring the battle-hardened expertise you need to scale with confidence.

Preparing for a sale? See how my Financial Due Diligence services can maximize your valuation.