Testimonials
Trusted by Growing Businesses Across Industries
“Scott and the team at Provia Partners have been invaluable partners to our business for years. They helped us make sense of our financials, identify where we were making and losing money, and put strategies in place that improved our profitability. … When it came time to sell the company, Scott guided us through every step—from preparing for the sale to negotiating the deal and ensuring a smooth handoff. His insight and steady hand gave us confidence through a major transition.”
What is Fractional CFO Services (and Why Your Business Needs It)
Every business reaches a point where growth slows, not because the market has dried up but because the numbers are unclear. Margins tighten. Cash flow feels unpredictable. Big decisions start to feel like educated guesses.
A fractional CFO changes that picture. Instead of flying blind, you gain a financial co-pilot who sits on your leadership team and gives you the clarity of a full-time CFO without the $200K+ price tag. You see exactly what drives profit, what holds you back, and what steps move the needle on enterprise value.
This service is designed for $3–20M businesses ready to break through the plateau, scale with control, or prepare for a strong exit. Unlike consultants who drop in and leave a report behind, we embed in your business. We answer questions in real time, shape strategy with you, and make sure every move strengthens the bottom line.
With Provia Partners, you replace uncertainty with clarity and second-guessing with confident decisions. You get more than financial reports. You get a business that is worth more tomorrow than it is today.
Our Fractional CFO Service Offerings
Financial Planning & Strategy
A strong business does not just happen, it is built on a clear financial plan. We partner with you to design strategic roadmaps that outline where your business is headed and how to get there. From detailed forecasting and scenario planning to long-term growth strategies, we connect the numbers to your vision. This process is not just about hitting next quarter’s goals but about making sure today’s decisions increase tomorrow’s enterprise value. With Provia Partners, you gain a planning partner who helps you anticipate challenges, model different outcomes, and adapt as markets change. The result is a business that grows intentionally, not reactively, with every financial choice supporting a stronger, more valuable future.
Cash Flow & Profit Optimization
Cash flow is the oxygen of your company, and profitability is what gives it strength. We dig into the details of your financial operations to identify where cash is being tied up or lost and uncover opportunities to increase margins. From reducing waste to negotiating better terms with vendors, we find practical and creative ways to free up capital that can be reinvested into growth. Our approach is hands-on and collaborative, giving you a clear view of where money is working for you and where it is holding you back. Over time, this steady focus on optimization creates stronger financial stability, healthier margins, and the ability to move faster when opportunities arise. With greater profitability, you gain not only peace of mind but also the power to build a business worth more.
Financial Reporting & Analysis
Accurate financial reporting is the foundation of confident leadership. We provide timely, reliable financial statements, but we go far beyond raw numbers. Our analysis highlights the metrics that matter, from cash flow trends to industry-specific KPIs, giving you a story you can act on. We help you see what is driving performance and where small adjustments can create significant results. Instead of scrambling for answers, you will have dashboards and insights that make sense at a glance. This clarity allows you to spot problems early, capitalize on opportunities quickly, and steer the business toward your long-term goals. With Provia Partners, reporting becomes a strategic tool, not just a compliance task, ensuring that every decision is backed by data and designed to build lasting enterprise value.
Exit & M&A Readiness
When it comes time to sell or transition your business, financial preparation is everything. We help you build readiness long before a deal is on the table, making sure your company can withstand the closest scrutiny. From preparing audit-ready statements and cleaning up potential red flags to structuring financials that highlight strengths, we ensure you are positioned to capture the best possible outcome. Buyers and investors are drawn to businesses that are well-organized, transparent, and built with the future in mind. By working with us, you avoid last-minute surprises and gain the confidence that your years of effort will translate into maximum value. Whether your exit is just over the horizon or still years away, our process ensures you are always ready to move forward on your terms, with clarity and leverage at every step.
Benefits
Benefits of Hiring Fractional CFO Services
Cost Efficiency
Hiring a full-time CFO often costs more than $200K annually, which puts experienced financial leadership out of reach for many growing businesses. A fractional CFO gives you that expertise at a fraction of the cost, with no wasted overhead or unused capacity. You only invest in the level of support you truly need. The result is a leaner, smarter approach to financial leadership that frees up capital for growth while still giving you the confidence of senior-level guidance. With Provia Partners, every dollar you spend works harder and builds more value for the future.
Expert Decision Support
Every major choice you make—hiring, expansion, acquisitions, investments—has financial consequences. Without a clear view of the numbers, leaders often rely on gut instinct or incomplete information. A fractional CFO gives you expert insight at the exact moment you need it, turning complex financial data into decisions you can trust. With industry benchmarks, KPI analysis, and hands-on support, you are never left guessing. Instead, you step into every meeting and every negotiation with clarity, confidence, and the assurance that you are steering in the right direction for long-term growth.
Scalable Support
Businesses do not grow in a straight line. Some seasons demand extra bandwidth, while others require a leaner structure. Fractional CFO services are designed to flex with you. Need more frequent involvement during a major acquisition or capital raise? We step in with deeper support. Want to scale back once systems are running smoothly? We adjust to fit. This flexibility ensures you always have the right level of guidance without overspending or stretching your team too thin. With Provia Partners, your financial leadership scales as naturally as your business, keeping you ready for every stage of growth.
Improved Business Value
At the end of the day, everything comes down to value—what your business is worth today, and what it could be worth tomorrow. A fractional CFO helps you build stronger financials that attract investors, lenders, and buyers. From tightening margins to preparing for due diligence, every move is designed to strengthen your enterprise value year over year. This does more than prepare you for a future exit; it also creates immediate confidence and resilience. With Provia Partners, you are not just running a business; you are building an asset that rewards you, supports your family and employees, and positions you for freedom when the time comes.
Who We Work With
Industries We Serve with CFO Fractional Services
From manufacturing and distribution to professional services, healthcare, and fast-growing tech startups, we work across industries where financial clarity drives growth. Whether your company is scaling, stabilizing, or preparing for an exit, our embedded approach adapts to your unique challenges and opportunities.
FAQs
Frequently Asked Questions
What is a fractional CFO and how do they differ from a full-time CFO?
A fractional CFO is a senior financial leader who provides part-time or contract support to businesses that need high-level financial strategy but do not require or cannot justify a full-time CFO. The difference comes down to flexibility and cost.
- Fractional CFO: Offers forecasting, financial planning, cash flow analysis, and exit readiness on a flexible schedule. You get expertise when you need it most.
- Full-time CFO: Provides the same expertise but at a fixed cost of $200K+ per year plus benefits, even during slower seasons.
Fractional CFO services are especially valuable for companies in the $3–20M revenue range that have grown beyond bookkeeping but are not yet ready for the overhead of a permanent CFO. They provide clarity into cash flow, profitability, and enterprise value while embedding into your team as a strategic partner. The result is access to the same caliber of leadership at a fraction of the price.
How much do fractional CFO services cost?
Fractional CFO services are not a commodity purchase. Prices vary based on the size of your company, the complexity of your financials, and how deeply you want your CFO embedded into your leadership team. For most growth-stage companies, a true fractional CFO partnership typically begins around $5,000 per month and scales from there.
At first glance, you might see other providers advertising “CFO” support for $1,000 per month. In reality, those are bookkeeping or controller-level services packaged under a CFO label. What Northwest Business Group delivers is senior-level financial strategy: forecasting, cash flow optimization, KPI analysis, exit planning, and direct participation in high-stakes decisions. That is why Scott frames it as an investment, not a cost.
Compared to a full-time CFO who requires a $200K+ salary and benefits, fractional CFO services give you the same caliber of expertise at a fraction of the expense. More importantly, the right fractional CFO multiplies the value of your business by strengthening profitability, improving financial clarity, and preparing you for a stronger exit.
When should a business hire fractional CFO services?
A business should consider fractional CFO services once financial decisions become too complex for a bookkeeper or controller to manage. The most common trigger is reaching $3–5M in annual revenue, when cash flow, debt, and margins begin to create sleepless nights for the owner.
Other moments to bring in fractional CFO support include:
- Scaling quickly into new markets or product lines.
- Preparing to raise capital or secure financing.
- Planning for an exit or business transition.
- Needing stronger systems for reporting and forecasting.
If you feel reactive rather than proactive with your finances, it is likely the right time. A fractional CFO helps you shift from guesswork to strategic clarity by providing accurate reporting, scenario planning, and performance insights. The earlier you bring in this support, the sooner you can avoid costly mistakes, optimize profitability, and grow enterprise value with confidence.
Can a fractional CFO help prepare my business for sale or exit?
Yes. One of the most valuable roles a fractional CFO plays is preparing a business for a successful sale or transition. Exit readiness requires more than clean books. It demands positioning your company to command maximum value.
A fractional CFO helps by:
- Preparing financials to be audit-ready and transparent.
- Identifying and resolving red flags before due diligence.
- Highlighting strengths and value drivers that appeal to buyers or investors.
- Building systems and reports that demonstrate profitability and growth potential.
By working with a fractional CFO well before you sell, you steadily increase enterprise value, improve cash flow, and strengthen margins year over year. This preparation ensures you enter negotiations from a position of strength rather than scrambling to fix issues at the last minute. Whether your exit is two years away or ten, the financial discipline and clarity provided by a fractional CFO directly impacts the price, terms, and legacy you achieve.
How often will I work with a fractional CFO?
The frequency of working with a fractional CFO depends on your business stage and financial complexity. Unlike consultants who deliver a one-time report, a fractional CFO integrates into your leadership team and adjusts involvement as needed.
- High-growth or high-stakes moments: Weekly or even daily collaboration, especially during acquisitions, fundraising, or major restructuring.
- Stable growth phases: Monthly or quarterly engagement focused on financial reporting, KPI tracking, and strategic planning.
- Long-term partnerships: Consistent check-ins combined with ongoing availability for decision support.
This flexibility ensures you always have the right level of financial leadership without overpaying for downtime. The goal is simple: to provide clarity, confidence, and support at the exact moments you need it. With fractional CFO services, you gain the assurance of senior-level financial expertise that scales naturally with your business.