FINANCE DIVISION · SERVICE
Fractional CFO for mid-market companies: part-time C-suite financial leadership
Strategic financial leadership at C-suite level, without the €120,000 annual cost of a full-time CFO. We run your cash flow, prepare owner reports, and navigate growth.
Your company is growing. Turnover is €1–10M, headcount 15–80, and the financial agenda gets more complex every month. Excel no longer cuts it, your accountant is overloaded, and you as the owner spend weekends over a cash flow spreadsheet. A full-time CFO at €8,000–15,000/month does not make economic sense — you do not need a strategic finance brain every day, you need one for specific decisions.
A Fractional CFO is exactly this model. A senior finance director with 10+ years of experience works for you 10–20 hours a month. They prepare board reporting, manage cash flow, model scenarios for investment decisions, and coordinate with accounting. The cost: from €2,000/month — a fraction of a full-time hire for real strategic value.
At PTR Group we do not provide a single CFO. We work as a team — a senior CFO as the primary contact, plus an analyst and controller who handle the data. You get continuity (always the same person) plus capacity (a full team behind that one head). The contract is monthly, no lock-in — the model works for you, not for us.
What you get
Cash flow management & forecasting
A rolling 13-week cash flow forecast updated weekly. We spot cash gaps before they become a crisis and propose corrective actions — extending payment terms, optimising inventory, managing receivables. For growing companies, cash flow is the most common cause of failure and the least controlled.
Monthly board reporting
A complete package for company leadership: P&L, balance sheet, cash flow, KPI dashboard. No 40-page documents nobody reads — 5–8 pages with what you need to know, and an executive summary on page one. Reporting is a decision-making tool, not an archive.
Financial modelling & scenario analysis
Expansion into a new country? Acquiring a competitor? Launching a new product line? We model scenarios with realistic assumptions, sensitivity analysis, and a worst-case calculation. In a week you have a document you can decide on — not guess from.
Investor readiness (fundraising & M&A)
Considering an investor or selling the company? We prepare the investor deck, data room, financial models, and coach you through due diligence. We maximise valuation and protect you from typical pitfalls that cost owners 20–40 % of company value in the regional ecosystem.
KPI architecture & operating metrics
We design financial and operating KPIs to reflect the real state of your business — not generic metrics from the accounting ledger. Unit economics, contribution margin per product, customer acquisition cost, churn. KPIs you can use for decisions, not just reporting.
Coordination with accounting
We do not replace your accountant — we coordinate them. We define how the data should be structured for quality reporting and ensure closes happen on time with correct figures. Your accounting stays where it is; we add a strategic layer on top.
How we work
Financial diagnostic sprint (2–3 weeks)
In-depth review of your finances: historical P&L and cash flow, accounting quality, KPI gaps, top financial risks. Output: a concise document with the top 5 things to address first, and a proposed operating model for the Fractional CFO engagement.
Setup of operating model (month 1)
We set up the reporting cycle (monthly + weekly cash), KPI dashboard, board package template, cash flow forecast model. We sync with your accountant on close deadlines. After the first month all the mechanics are in motion and you receive the first complete report.
Ongoing engagement (monthly)
Monthly cycle: 2-hour board meeting with the CEO and key people, weekly cash flow update, ad-hoc scenario modelling when needed. We respond to what your business currently needs — fundraising, M&A, expansion, crisis restructuring. Contract has 1 month notice.
from €2,000/mo
typical range for a Fractional CFO engagement (10–20 hours per month)
Frequently asked questions
How much does a Fractional CFO cost?+
Monthly retainer from €2,000 for 10–20 hours of senior CFO time plus analyst and controller support. The specific price depends on company size and scope. For comparison: a full-time CFO in the region costs €8,000–15,000 per month (including benefits and taxes), with 30–50 % of that capacity typically unused at a growing company.
When is the right moment to hire a Fractional CFO?+
Three signals: (1) Revenue has crossed €1M annually and financial complexity is growing exponentially. (2) You are preparing for a funding round, acquisition, or sale. (3) As an owner you spend more than 5 hours a week on finance instead of strategy. If at least one applies, it is time. Details in our article on the Fractional CFO model.
How are you different from "ordinary" accounting advisory?+
Accounting looks backwards — it records what happened. A CFO looks forward — modelling what may happen and recommending what to do. A Fractional CFO does not replace your accountant; they add a strategic layer: cash flow forecasting, KPI design, investor communication, scenario modelling. Different product, different value.
What size companies do you serve?+
Our sweet spot is companies with turnover €500,000 to €20M. Under €500,000 a Fractional CFO is cost-inefficient — a good accountant and controller will do. Above €20M you typically need a full-time CFO; in that case we help with the transition and candidate search.
What is the minimum contract length?+
No minimum. We work month-to-month with monthly notice. The contract works when both sides see value — if it stops working, we do not want to hold on to you. In practice: the average engagement length with our clients is 18 months, the longest 4 years.
Will you help us with a funding round or M&A?+
Yes — this is one of the strongest aspects of the model. We prepare the investor deck, financial models, data room, coordinate due diligence, and coach you through investor meetings. For €500k–5M raises we are typically the external CFO; for larger rounds we support a full-time CFO or investment banker.
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