The Role of a Fractional CFO in Scaling Your Business
As your construction company grows, so do the financial complexities. More projects, larger budgets, additional staff, and tighter margins make financial leadership essential. However, not every company is ready—or needs—a full-time CFO.
That’s where a fractional CFO comes in.
A fractional CFO is a seasoned financial executive who works with your company on a part-time or project basis, providing strategic guidance without the commitment of a full-time salary. This makes it a cost-effective solution for companies in growth mode, transition, or those needing specialized financial expertise.
What Does a Fractional CFO Do?
A fractional CFO can provide a range of services tailored to your company’s needs, including:
Strategic Planning: Partnering with owners and executives to chart long-term growth plans
Cash Flow Management: Ensuring your business has the liquidity to meet obligations and seize opportunities
Budgeting and Forecasting: Developing data-driven financial plans to manage growth and maintain control
Financial Reporting and KPIs: Delivering insights through dashboards and metrics for informed decision-making
Capital Planning and Fundraising: Guiding the company through loan acquisition, equity funding, or debt restructuring
System Implementation: Overseeing implementation of financial systems like Sage 300CRE or Procore integrations
Why Construction Companies Need Fractional CFOs
Construction is a capital-intensive, low-margin industry. Project delays, scope changes, or labor shortages can put intense pressure on finances. Having a financial expert on your team can mean the difference between reactive survival and strategic growth.
Unlike accountants or bookkeepers, fractional CFOs bring a strategic lens. They look beyond the numbers to help you:
Make confident investment decisions
Evaluate acquisition opportunities
Optimize job costing and pricing models
Prepare for economic shifts or recessions
Build reporting systems for internal and external stakeholders
When to Hire a Fractional CFO
Consider hiring a fractional CFO when:
You're scaling rapidly and need financial guidance
You're unsure how to fund growth or manage cash flow
Your financial reports lack clarity or timeliness
You're preparing for a major capital event, such as selling the business or raising funds
At Mosaic Performance Architects, we act as an extension of your executive team—bringing clarity to your finances and confidence to your decisions. We tailor our fractional CFO services to fit your construction business’s size, goals, and challenges.
Scaling doesn’t have to mean stress. With the right financial partner, you can grow smarter, faster, and more profitably.