CFO Services
Strategic financial leadership — without the full-time cost.
A fractional CFO is not a part-time bookkeeper or a once-a-year tax advisor. It is an experienced financial executive — integrated into your business on a flexible basis — who shapes your financial strategy, connects your numbers to your decisions, and builds the infrastructure your next stage of growth demands.
At J-Ventures LLC, our fractional CFO services are tailored to your current reality and your future goals. Every engagement begins with a deep-dive diagnosis of your financial health, followed by a roadmap focused on the specific levers that will move the needle for your business.
30+
Years across banking, consulting & fractional CFO work
25+
Years of financial leadership experience
10+
Years serving small & emerging businesses as fractional CFO
90 Days
Typical engagement time for most fractional projects
ENGAGEMENT LEVELS
Services Structured Around Your Stage
Every business is at a different point in its journey. Select the level that best matches your current needs — or let us help you identify the right fit. cost.
Foundational
Best For:
Startups and small businesses in the $1 M - $5M revenue range building financial infrastructure for the first time.
You have likely reached a "complexity ceiling." Your bookkeeper is recording the past, and your CPA is handling tax compliance, but neither is typically telling you how to navigate the next 12–24 months.
A fractional CFO at this stage acts as a strategic architect, moving your finance function from "keeping records" to "driving growth." Here are the specific services we offer:
Forward-Looking Financial Roadmaps:
Rolling Cash Flow Forecasts
Scenario Modeling
Budgeting vs. Actuals (BvA)
Profitability & Unit Economics:
Margin Analysis
Pricing Strategy
LTV-to-CAC Analysis
Operational & Capital Strategy:
Banking & Debt Management
KPI Dashboards
Internal Controls & Process
Strategic Partnership & Oversight:
Mentoring Your Finance Team/Bookkeeper
Allocation of Resources
Long-term Capital Investment Advice
Additional Services Tailored to Your Needs
Level 1
Growth
Best For:
Small businesses in the $3M–$15M range ready to scale intelligently.
For a growth-stage business in the $3M to $15M revenue range, your business has moved past the "proof of concept" phase. You have a product that works and a market that wants it. However, the systems that got you to $3M—usually built on the heroics of the founder and a hardworking bookkeeper—are likely starting to strain under the weight of a $10M or $15M operation.
At this stage, a fractional CFO enters the picture when the CEO realizes that they can no longer make every decision based on "gut feel." You need to move from reactive management (solving problems as they appear) to proactive leadership (anticipating capital needs, hiring ahead of the curve, and protecting your earnings before they erode). Here is a breakdown of the specific strategic services we typically provide for a business of your size and tenure:
Strategic Forward-Looking Analysis:
13-week Rolling Cash Flow Forecast
Scenario Modeling ("What If?" Analysis)
Budget vs. Actual (BVA) Analysis
Profitability & Unit Economics
Hiring Plan and ROI model
Profitability & Unit Economics:
Customer & Product Profitability
Margin Analysis
KPI Dashboards
Capital & Risk Management:
Debt & Financing Strategy
Internal Controls
Contract Review
Working Capital Cycle Optimization
Financial Stress Testing and Cash Runway Modeling
Scaling the Finance Function:
Liaison to your CPA
Mentoring the Bookkeeper
Additional services tailored to your needs
Level 2
Strategic
Best For:
Emerging mid-size businesses with +$15M in recurring gross revenue, VC/PE-backed companies, and businesses planning a transaction or exit.
For an emerging mid-sized business with +$15M in annual revenue and a history of venture backing, you are at a critical "inflection point." You have outgrown basic bookkeeping, and your upcoming Series A round requires a level of financial sophistication that a tax-focused CPA typically doesn't provide.
At this stage, a fractional CFO transitions from a "financial advisor" to a strategic architect of your expansion. Here is the specific service menu tailored to your revenue bracket and funding goals:
Series A Fundraising & "Investor Fluency"
Full 3-statement Integrated Financial Model
Financial Stress Testing and Cash Runway Modeling
Data Room Preparation
M&A Diligence Preparation and Pitch Deck Support
Valuation Modeling
Pitch Deck Support
Advanced Unit Economics & Scalability Analysis
LTV/CAC - Marketing & Payback Periods
Quality of Earnings Analysis
Cohort Analysis
Gross Margin Optimization
Executive Governance & Board Management
Board Financial Reporting Packages
Covenant & Compliance Oversight
Audit Readiness
Operational Infrastructure for Expansion
ERP & Tech Stack Selection
Departmental Budgeting
Hiring Plan ROI
Additional services tailored to your needs
Level 3
BEYOND THE STANDARD LEVELS
Specialized Advisory
Engagements that fall outside the standard growth levels — industry-specific, situational, and project-driven.
Industry-Specific Financial Leadership
Industry-Specific Financial Leadership
Nonprofit Fund Accounting and Grant Compliance
Community Bank Advisory
ALCO support and regulatory reporting
De-novo Bank Support
Interim and Project-Based Leadership
Interim CFO — John L. Harrell serving directly in an interim capacity
Financial Systems Implementation Oversight
Special Project Consulting
Financial Due Diligence for Acquisitions or Partnerships
Additional Services Tailored to Your Needs
How We Engage
Flexible Structures. Serious Results.
Every engagement is structured to fit your business — not a one-size-fits-all retainer.
Monthly Retainer
Ongoing fractional CFO support with a minimum 3-month commitment. Best for businesses that need consistent, embedded strategic financial leadership over time.
Project-Based Fixed Fee
For defined deliverables with a clear scope. Ideal for financial model builds, system implementations, or one-time strategic projects with a defined endpoint.
Hourly
For ad hoc consulting or overflow support. Best for businesses that need targeted, expert guidance without the commitment of an ongoing engagement.
Not sure which level is right for you?
Start with the Free CFO Assessment — a no-obligation tool that helps identify exactly where your business stands and where the CFO gaps are. Or book a free consultation.
Who we may not be the right fit for:
J-Ventures is likely not the right match if your business is pre-revenue without committed capital or investment backing, if you are primarily looking for bookkeeping or tax preparation services, or if your business is not yet in a position to engage at a strategic financial level. Our focus is on businesses with $1M or more in annual revenue — or early-stage ventures with the capital foundation to support a strategic engagement.
If you are unsure where you stand, the best first step is a conversation. Let's talk!
