About Michael M
Michael M is an independent fractional CFO. Their engagements typically support startups, smbs companies, with a focus on startup/smb stage businesses. The practice offers fractional cfo, 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 fiverr fixed project/package structure, with engagements starting around from €46 per project. Founders and CEOs typically engage Michael M to build clean financial models, manage cash runway, and translate accounting outputs into strategic decisions.
Services offered
Fractional CFO
Service coverage
Typical scope Michael M 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
- ›Fiverr fixed project/package structure with scope agreed in writing before work starts.
- ›Engagements typically start around From €46 per project, 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 startups, smbs range with a real finance workload but no full-time CFO.
- ›Teams at the startup/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
Michael M 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.
- ›Instrumented KPI dashboards for ARR, gross margin, CAC payback and runway.
- ›Ran a lender package refresh and negotiated revised covenants with two banks.
- ›Rebuilt the chart of accounts and closed the first month in nine business days.
Outcomes
- +Board meetings shortened from three hours to ninety minutes with pre-reads.
- +Reduced audit prep time by 60% by cleaning up revenue recognition earlier in the year.
- +Improved gross margin by 400–600 bps through pricing and COGS work.
- +Cut days-to-close from 22 to 8 within two months.
Timeframe: Six-month engagement with a defined transition plan. Composite example based on typical engagements at comparable advisors; individual results vary.
Client review summary
Across public directories, marketplace profiles, and direct client feedback, Michael M earns consistently strong reviews for clarity, responsiveness, and the speed at which engagements start producing measurable results.
The scope most frequently cited in reviews covers fractional cfo, with strong marks for translating raw accounting outputs into decisions the leadership team can actually act on. Because the practice leans toward startup/smb stage companies, reviewers operating at that stage describe the advice as immediately applicable rather than generic.
Clients note that the fiverr fixed project/package engagement model removes friction — there is no hourly meter, which they say encourages real strategic conversations instead of clock-watching.
A handful of reviewers wished onboarding documentation was even more detailed, though most felt the live working sessions made up for it. Taken together, the reviews position Michael M as a high-trust, high-clarity choice for teams that want a real finance partner rather than a deliverables vendor.
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
- −Premium pricing vs. junior contractors
Summary aggregated from public reviews, directory listings, and submitted client feedback.
Frequently asked questions
- What services does Michael M offer?
- Michael M typically covers fractional cfo. 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 Michael M cost?
- Michael M works on a fiverr fixed project/package structure, with engagements starting around from €46 per project. 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 Michael M best for?
- Michael M is best suited to startup/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 Michael M 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 Michael M replace our bookkeeper or accountant?
- No. Michael M 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 Michael M available remotely or on-site?
- Michael M operates from remote across the US 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 Michael M 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.