CFO Line
Fractional CFO. Weekly. On your numbers.
You know your revenue. You don't know your runway.
Your bookkeeper tells you what already happened. A consultant sells you a deck and leaves. CFO Line runs your numbers every week and tells you what's about to happen: your cash position, 13 weeks out, updated every Monday.
Most founders we meet are three weeks from a payroll problem they haven't seen yet. We find it in the first call.
30 minutes. No deck. Just your numbers.
This is the artifact. Every client gets one, every Monday.
A 13-week cash forecast. Opening cash, what's coming in, what's going out, where you land. Not a projection built once a year and forgotten. Rebuilt every Monday, reconciled against your bank. Here's what one looks like for a $9M services company.
13-Week Cash Forecast. Sample client. Figures in USD. Updated Mon 8:00 AM.
| Week | Opening Cash | Inflows | Outflows | Ending Cash | Note |
|---|---|---|---|---|---|
| W1 | 412,000 | 148,000 | 121,000 | 439,000 | |
| W2 | 439,000 | 96,000 | 168,000 | 367,000 | Payroll |
| W3 | 367,000 | 132,000 | 104,000 | 395,000 | |
| W4 | 395,000 | 88,000 | 171,000 | 312,000 | Payroll |
| W5 | 312,000 | 154,000 | 119,000 | 347,000 | |
| W6 | 347,000 | 91,000 | 176,000 | 262,000 | Payroll |
| W7 | 262,000 | 143,000 | 108,000 | 297,000 | |
| W8 | 297,000 | 84,000 | 320,000 | 61,000 | FLAGGED: payroll + Q3 estimated tax + annual insurance premium land in the same week |
| W9 | 61,000 | 167,000 | 102,000 | 126,000 | |
| W10 | 126,000 | 121,000 | 158,000 | 89,000 | Payroll |
| W11 | 89,000 | 178,000 | 111,000 | 156,000 | |
| W12 | 156,000 | 102,000 | 164,000 | 94,000 | Payroll |
| W13 | 94,000 | 149,000 | 117,000 | 126,000 |
Week 8 is the point. This company thought it had $400K of cushion. It has $61K, for exactly one week, because three obligations stack on the same Friday. Seen six weeks early, that's a phone call to move one invoice up. Seen the week of, that's a bridge loan at 14%.
The forecast isn't the deliverable. The six weeks of warning is.
What we ask in month one.
A forecast is arithmetic. Judgment is knowing which numbers to distrust. These are the questions we open with, and most founders can't answer more than two.
Which three customers are 60% of your inflows, and what day of the month does each one actually pay, as opposed to when the invoice says they will?
What's your fully loaded weekly payroll, including the taxes and benefits that hit on a different day than wages?
If your biggest customer paid 30 days late starting today, what week do you go below zero?
Which of your subscriptions and vendor contracts renew in the next 90 days, and which of them would you re-sign at that price?
How much of the cash in your account is already spoken for: payroll accrued, sales tax collected but not remitted, deposits you'd owe back?
None of these are trick questions. They're Tuesday questions. You should be able to answer all five without opening a spreadsheet. After a month with us, you can.
30 minutes. Bring your bank login or don't. We'll still tell you something you didn't know.
The first call is a working session, not a sales call. If you share numbers, we'll sketch your 13-week position live. If you don't, we'll walk through the five questions and you'll leave knowing which ones you can't answer. Either way you get something concrete. No deck, no proposal PDF, no follow-up sequence.
Weekly forecasting, reconciled to the bank, from $2,900 a month. A full-time CFO runs $22,000 a month. You need the number, not the headcount.