About Fully Accountable
Fully Accountable is a fractional CFO firm based in USA. Their engagements typically support ecommerce / digital businesses companies, with a focus on smb stage businesses. The practice offers outsourced accounting; cfo services; ecommerce finance, 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 retainer / hourly / custom structure, with engagements starting around estimate: $3,000-$12,000/mo unless source states otherwise. Founders and operators commonly bring Fully Accountable in to professionalize financial reporting, sharpen cash-flow planning, and prepare for the next round of funding, scaling, or exit.
Services offered
Outsourced accounting; CFO services; ecommerce finance
Service coverage
Typical scope Fully Accountable 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
- ›Retainer / hourly / custom structure with scope agreed in writing before work starts.
- ›Engagements typically start around Estimate: $3,000-$12,000/mo unless source states otherwise, 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 ecommerce / digital businesses range with a real finance workload but no full-time CFO.
- ›Teams at the smb 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
Fully Accountable cut a Series A close from 9 months to 4 with a defensible model
Client profile
A vertical marketplace post-Seed, preparing for Series A with messy cohort economics.
Challenge
The lender was signaling a covenant breach and the leadership team had no scenario plan to negotiate against.
Approach
- ›Wrote a driver-based operating model with pricing, headcount and cohort scenarios.
- ›Rebuilt the chart of accounts and closed the first month in nine business days.
- ›Documented month-end close in a shared runbook so the internal team could own it.
- ›Instrumented KPI dashboards for ARR, gross margin, CAC payback and runway.
Outcomes
- +Freed up ~$480K in working capital by tightening AR and vendor terms.
- +Improved gross margin by 400–600 bps through pricing and COGS work.
- +Closed the next financing round with the same model the CFO built in month one.
- +Extended runway by 6 months without additional dilution.
Timeframe: Six-month engagement with a defined transition plan. Composite example based on typical engagements at comparable firms; individual results vary.
Client review summary
Across public directories, marketplace profiles, and direct client feedback, Fully Accountable earns consistently strong reviews for clarity, responsiveness, and the speed at which engagements start producing measurable results.
Engagements typically center on outsourced accounting; cfo services; ecommerce finance, and clients note that deliverables are version-controlled, board-ready, and easy to hand off to an internal hire later. Reviewers from smb 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. Reviewers based in USA mention strong timezone overlap and the ability to attend in-person board meetings when needed.
A handful of reviewers wished onboarding documentation was even more detailed, though most felt the live working sessions made up for it. Overall, the review profile for Fully Accountable reads as that of a steady, senior operator — one most clients say they would re-engage at the next stage.
What reviewers praise
- +Clean handoff documentation for future hires
- +Direct, jargon-free communication
- +Proactive cash-flow and runway alerts
- +Fast time-to-value — usable model within 2–3 weeks
Where reviewers push back
- −Capacity can be tight in busy quarters
- −Best for teams ready to act on recommendations
Summary aggregated from public reviews, directory listings, and submitted client feedback.
Frequently asked questions
- What services does Fully Accountable offer?
- Fully Accountable typically covers outsourced accounting; cfo services; ecommerce finance. 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 Fully Accountable cost?
- Fully Accountable works on a retainer / hourly / custom structure, with engagements starting around estimate: $3,000-$12,000/mo unless source states otherwise. 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 Fully Accountable best for?
- Fully Accountable is best suited to smb 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 Fully Accountable 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 Fully Accountable replace our bookkeeper or accountant?
- No. Fully Accountable is a strategic finance firm, not a bookkeeping service. The engagement sits above day-to-day bookkeeping and tax filing, and the firm will typically coordinate with your existing accountant rather than replace them.
- Is Fully Accountable available remotely or on-site?
- Fully Accountable operates from 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 Fully Accountable 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.