A fractional CFO for e-commerce, so every big decision has numbers behind it.
A fractional CFO for e-commerce sellers turns your closed books into decisions: how much stock to buy, which channel to grow, and how much cash the next order needs. You get a budget, a forecast, margin by channel, a monthly review against the plan, and the reporting your lender or investors ask for, from $2,000 a month.
Written quote · scope agreed up front · no commitment
Budget vs actual: gross profit, September
| Net sales, all channels | 64,490.00 |
|---|---|
| Cost of goods sold | (23,190.40) |
| Marketplace & payment fees | (9,874.15) |
| Gross profit | 31,425.45 |
| Gross margin | 48.7% |
| Budget gross profit | 30,000.00 |
| Variance | 1,425.45 · ✓ Ahead of plan |
Also in the pack Sep
- Margin by channel ✓
- Inventory on hand vs plan ✓
- 13-week cash forecast ✓
- Lender reporting ✓
Gross profit against plan, September
ILLUSTRATIVE KPI PACK — DEMO STORE, NOT A CLIENT
You're planning the next stage of growth.
You have clean monthly books and want a budget, a forecast and a senior person to review the numbers with you each month.
Growth is paid for in inventory.
A seller buys stock weeks before it sells. Every plan starts with what that stock really costs and when the cash comes back.
Stock ties up cash before it sells
A bulk order leaves the bank long before the payouts arrive, so the plan has to follow cash as well as profit.
Read the answer →Margin depends on the true unit cost
Freight, duty and prep change what each unit costs. Pricing and reorder decisions start there.
Read the answer →Gross profit needs a steady COGS
A budget only works when cost of goods sold is worked out the same way every month.
Read the answer →Channels earn different margins
Fees and returns differ by marketplace. Profit by SKU and channel shows where growth pays.
See profit by SKU & channel →The next order needs a forecast
A 13-week cash forecast shows when the next inventory order fits.
See cash-flow forecasting →What our fractional CFO service includes.
A plan for the year and a monthly review of how the business is tracking against it.
- Annual budget by channel ANNUAL
- Budget vs actual with written commentary MONTHLY
- KPI pack: margin, fees, inventory, cash MONTHLY
- Rolling cash and inventory forecast MONTHLY
- Review call with your CFO MONTHLY
- Lender and investor reporting AS REQUIRED
The KPI pack follows your monthly close, by day 15 of the following month.
Profit & Loss — September
| Amazon sales | 38,420.00 |
|---|---|
| Shopify sales | 21,760.00 |
| eBay sales | 4,310.00 |
| Net sales | 64,490.00 |
| Cost of goods sold | (23,190.40) |
| Marketplace fees | (9,874.15) |
| Gross profit | 31,425.45 |
SAMPLE · ILLUSTRATIVE FIGURES · NOT A CLIENT
Fractional CFO, one monthly price.
The monthly fee is set by channels, forecast depth and how much reporting your lender or investors need. Every figure comes from our pricing page, and yours is confirmed in writing after your free books review, before you commit.
| Service | Billed | Price |
|---|---|---|
| Fractional CFO | /month | $2,000 |
| Cash-flow & inventory planning | /month | $299 |
| Profit by SKU & channel | /month | $299 |
Catch-up bookkeeping
Planning starts from closed books. Behind? We bring missing months current first, priced per month behind. See catch-up →
Four steps to books you can trust.
Free books review
You send the access invitations. We look at where your books stand.
Quote in writing
Your plan and price, before you commit to anything.
Catch-up
Missing months brought current and reconciled.
Monthly close
Books closed every month, reports in your inbox.
[[FILL]]
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Fractional CFO · [[FILL: credential, exactly as held]]. Your fractional CFO is named in your written quote. The same person builds your plan and reviews it with you every month.
We work in the tools you already use.
Your books stay in your own QuickBooks Online or Xero account, and the plan is built from them.
WORKS WITH
Product names belong to their owners.
Your tax preparer gets clean books, every year.
At year-end your tax preparer gets the same closed books the plan is built on.
- Year-end P&L and balance sheet ✓
- 1099-K tied out to your sales ✓
- Inventory and COGS schedule ✓
Questions sellers ask before they hire a fractional CFO.
Is inventory a current asset or an expense?
Where stock belongs in your books, and why it moves your profit.
Read the answer → AnswerWhat is landed cost, and how do I work it out for my products?
The full cost of getting one unit ready to sell.
Read the answer → AnswerHow do I calculate cost of goods sold for an online store?
The formula, worked through for a seller.
Read the answer →Behind on your books? See catch-up bookkeeping →Get a free books review →
Fractional CFO questions
What does a fractional CFO do for an online seller?
A fractional CFO builds your annual budget, keeps a rolling cash and inventory forecast, reviews budget against actual each month, and prepares the KPI pack and any reporting your lender or investors ask for. You get senior financial planning for part of the month.
How much does a fractional CFO cost?
$2,000 a month, as shown on our pricing page. Your scope is confirmed in writing after your free books review.
What do you prepare for a lender or investors?
The reporting they ask for: financial statements, budget against actual, forecasts and a KPI pack, built from your closed books. Financing and investment decisions stay with you and your own advisers.
Do I need clean books first?
Yes. The plan is built on closed monthly books. If you're behind, we catch up the missing months first, then start the plan.
Who will be my fractional CFO?
Your CFO is named in your written quote, and the same person builds your plan and reviews it with you every month.
See where your books stand — free.
Get a written review of every channel: what's reconciled, what's missing, and the exact price to fix it. No card, no commitment.
Get my free books review