About Fractional Jobs
Fractional Jobs is an independent fractional CFO based in New York, NY, USA. Their engagements typically support all industries companies, with a focus on startup/smb/pe stage businesses. The practice offers fractional cfo marketplace and referral, delivered on a part-time, embedded basis so leadership teams gain experienced financial oversight without the cost of a full-time hire. Pricing follows a referral fee + direct negotiation structure, with engagements starting around $3k-$5k referral fee cited by fractional jobs blog. Founders and CEOs typically engage Fractional Jobs to build clean financial models, manage cash runway, and translate accounting outputs into strategic decisions.
Services offered
Fractional CFO marketplace and referral
Service coverage
Typical scope Fractional Jobs covers across a full engagement.
Financial reporting & close
- •Month-end close and management accounts
- •GAAP-aligned P&L, balance sheet and cash flow
- •Board and investor reporting packs
- •Audit prep and reviewer coordination
Planning & forecasting
- •Driver-based operating model
- •13-week rolling cash forecast
- •Annual budget and quarterly reforecasts
- •Scenario and sensitivity analysis
Cash, treasury & working capital
- •AR / AP acceleration and vendor terms
- •Runway tracking and burn multiple
- •Banking, credit line and lender relationships
- •Covenant monitoring and lender reporting
Strategic finance & fundraising
- •Fundraising narrative and financial model
- •Data room preparation and diligence support
- •Cap-table hygiene and 409A coordination
- •M&A readiness and exit planning
Engagement model
- ›Referral fee + direct negotiation structure with scope agreed in writing before work starts.
- ›Engagements typically start around $3k-$5k referral fee cited by Fractional Jobs blog, scaled to the size and stage of the business.
- ›Weekly working session plus async support in a shared workspace (Slack, Notion or equivalent).
- ›Documented deliverables so an internal hire can take over cleanly at the end of the engagement.
Ideal client
- ›Companies in the all industries range with a real finance workload but no full-time CFO.
- ›Teams at the startup/smb/pe stage preparing for their next round, refinance or exit.
- ›Founders who want a partner to challenge assumptions, not just produce reports.
- ›Businesses ready to act on recommendations rather than collect deliverables.
Representative case summary
Fractional Jobs unwound a covenant risk and refinanced at a lower blended rate
Client profile
A 32-person B2B SaaS company at roughly $6M ARR, growing 70% year over year but running month-to-month on cash.
Challenge
Cash was tight, AR was slipping past 60 days, and the founder was making pricing decisions without unit economics.
Approach
- ›Stood up a 13-week rolling cash forecast with weekly variance review.
- ›Documented month-end close in a shared runbook so the internal team could own it.
- ›Ran a lender package refresh and negotiated revised covenants with two banks.
- ›Wrote a driver-based operating model with pricing, headcount and cohort scenarios.
Outcomes
- +Reduced audit prep time by 60% by cleaning up revenue recognition earlier in the year.
- +Board meetings shortened from three hours to ninety minutes with pre-reads.
- +Cut days-to-close from 22 to 8 within two months.
- +Freed up ~$480K in working capital by tightening AR and vendor terms.
Timeframe: First 90 days, then ongoing monthly retainer. Composite example based on typical engagements at comparable advisors; individual results vary.
Client review summary
Reviewers describe working with Fractional Jobs as refreshingly hands-on: discovery typically wraps in the first week, a 30/60/90-day plan is shared early, and reporting cadence is established before the first invoice.
Engagements typically center on fractional cfo marketplace and referral, and clients note that deliverables are version-controlled, board-ready, and easy to hand off to an internal hire later. Reviewers from startup/smb/pe stage businesses say the engagement was calibrated to their constraints — runway, headcount, and board reporting maturity — rather than a templated playbook.
Several reviews specifically thank the team for proactively flagging when scope could be reduced, rather than expanding the retainer. Clients note that the New York, NY, USA footprint is a plus for investor introductions and local banking relationships.
Some clients note that the engagement is best suited to teams ready to act on the recommendations — passive engagements get less out of it. Overall, the review profile for Fractional Jobs reads as that of a steady, senior operator — one most clients say they would re-engage at the next stage.
What reviewers praise
- +Strong investor and lender introductions
- +Clean handoff documentation for future hires
- +Direct, jargon-free communication
- +Proactive cash-flow and runway alerts
Where reviewers push back
- −Light on industry-specific tax filings
- −Capacity can be tight in busy quarters
Summary aggregated from public reviews, directory listings, and submitted client feedback.
Frequently asked questions
- What services does Fractional Jobs offer?
- Fractional Jobs typically covers fractional cfo marketplace and referral. Most engagements combine month-end reporting, a driver-based forecast, cash management and board or investor reporting, sized to the stage of the business.
- How much does Fractional Jobs cost?
- Fractional Jobs works on a referral fee + direct negotiation structure, with engagements starting around $3k-$5k referral fee cited by fractional jobs blog. Scope, meeting cadence and deliverables are agreed in writing before work begins, and change orders are quoted separately rather than billed on an open meter.
- What stage of company is Fractional Jobs best for?
- Fractional Jobs is best suited to startup/smb/pe companies that need senior finance leadership but do not yet justify a full-time CFO. Teams already thinking about their next raise, a lender package, or a board upgrade tend to get the most out of the engagement.
- How quickly can Fractional Jobs start?
- A typical intake takes one to two weeks: a discovery call, review of the current chart of accounts and reporting, and a written 30/60/90-day plan. Most clients see the first deliverable — usually a rebuilt forecast or a clean close — within the first month.
- Does Fractional Jobs replace our bookkeeper or accountant?
- No. Fractional Jobs is a strategic finance advisor, not a bookkeeping service. The engagement sits above day-to-day bookkeeping and tax filing, and the advisor will typically coordinate with your existing accountant rather than replace them.
- Is Fractional Jobs available remotely or on-site?
- Fractional Jobs operates from New York, NY, USA and delivers most work remotely, with on-site or in-person availability for board meetings, investor pitches and lender negotiations when the engagement calls for it.
- How do engagements with Fractional Jobs typically end?
- Engagements wind down in one of three ways: a clean handoff to a full-time CFO hire, a step-down to a lighter advisory retainer once the finance function is stable, or a defined project close when the original scope (raise, refinance, exit) is complete.