You're past the bookkeeping stage. Revenue is growing, decisions are getting bigger — but you're still relying on backward-looking reports and gut feel.​
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You need someone who can look at your business the way an investor would. Someone who sees the cash dynamics, the margin pressure, the growth economics — and can tell you what to do about it.
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That's what a fractional CFO does. And at S1 Finance, we do it differently.
The Investor Approach
Most fractional CFOs come from an accounting background. S1 takes an investor's approach — we analyze your business the way a portfolio manager would, looking at cash dynamics, growth economics, risk factors, and competitive positioning.
That means your financial reporting doesn't just summarize last month. It informs next quarter.
Two Kinds of Financials
Your CPA handles the financials built for the IRS. They're essential — compliance, tax planning, filing. That work is backward-looking by design.
We handle the financials built for you. The ones that show which customers are profitable, whether you can afford your next hire, what happens to cash if a key client pays 15 days late, and where to invest next. These are the financials that help you run the business — and plan where it goes.
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Your CPA handles one side. We handle the other. Both matter. They're different jobs.
Who This Is For
You're thinking about what's next — expansion, capital planning, new hires, maybe an exit down the road. You need a financial partner at the table for the decisions ahead, not just someone who closes the books.
Fractional CFO services with S1 Finance are built for service-based business owners who:
Are making growth decisions — hiring, expanding, investing — and need better data to decide
Have reliable books but aren't getting strategic insight from their financial reports
Want a financial partner who thinks like an owner, not just an accountant
Need board-ready or investor-grade reporting
Are typically doing $2M+ in revenue with growing complexity
Industries we work with: staffing companies, HVAC contractors, dental practices, property management firms, and other service businesses. Headquartered in Dallas, working with clients across Texas and beyond.
Earlier-stage and need help getting your books in order? Our outsourced accounting services or bookkeeping services might be a better starting point.
How It Works
1
Discovery Call
We talk about your business, what decisions you're facing, and whether CFO-level support makes sense right now. No pitch — just a conversation.
​Free · 30 minutes
2
Financial Diagnostic
Before we jump into an ongoing engagement, we start with a diagnostic. We review your current financials, identify gaps and risks, map your key performance drivers, and deliver a written report with prioritized recommendations.
Starting at $1,500 · 2–3 weeks
3
Ongoing CFO Engagement
We become your financial partner. Monthly strategy meetings, rolling forecasts, custom dashboards, and a direct line when a big decision comes up. You run the business. We make sure the numbers are helping you run it well.
Common Questions
How is a fractional CFO different from my CPA?
Your CPA handles taxes. We handle everything else — the management side of your financials. Cash planning, financial analysis, strategic support, and the reporting that helps you make decisions. Most of our clients keep their CPA and work with us alongside them.
How much time do you spend with each client?
It varies. Some clients need 10–15 hours per month, others need 20–30. We scope it based on the complexity of your business and the decisions on your plate. The engagement flexes as your needs change.
Do I need a fractional CFO, or just better accounting?
If your books are behind or unreliable, start with accounting. If your books are clean but you're not getting strategic value from your financial data, that's where a fractional CFO helps. Not sure? That's what the discovery call is for.
Can you work with my existing bookkeeper or accounting team?
Yes. We often work alongside in-house bookkeepers or accounting staff. We provide the strategic layer — the analysis, planning, and decision support — while your team handles the day-to-day operations.
Do I have to be in Dallas?
We're headquartered in Dallas and serve clients across Texas and beyond. All of our work is done remotely — we meet over video, use cloud-based tools, and deliver reports digitally.