5 Signs You’re Ready to Hire a Fractional CFO

If you’re growing fast or managing more money than ever, you might be asking: “Do I really need a CFO?” The answer may be yes—especially if any of these five signs sound familiar:

  1. You lack financial clarity. You don’t know exactly what’s coming in, what’s going out, or where you’re losing profit. Without this clarity, you’re flying blind.
  2. You’re not forecasting. Planning for the next 6–12 months feels like guesswork. You’re reacting instead of proactively steering the ship.
  3. Cash flow feels chaotic. Despite healthy revenue, you’re constantly stressed about covering expenses. This indicates a lack of cash flow management.
  4. You’re considering funding or loans. But you don’t have the financial reporting or strategic plan needed to win over investors or banks.
  5. You spend too much time on money tasks. Instead of leading, you’re managing QuickBooks, tracking receipts, and stressing over unpaid invoices.

A fractional CFO can step in to build processes, introduce tools, and lead financial strategy. At ELZ, we help businesses install the dashboards, habits, and strategic plans needed to thrive.

Hiring a CFO isn’t just for big companies. It’s for smart ones.