Fractional Chief Financial Officer; CFO

Fractional Chief Financial Officer (CFO)

Cost Discipline, Turnaround & Scalable Growth

The Fractional Chief Financial Officer (CFO) is a strategic, hands‑on financial leader responsible for bringing discipline, cost control, and scalable financial infrastructure to a 25‑unit and growing retail franchise group.

This part‑time executive engagement (10–20 hours per week) provides the organization with CFO‑level rigor and turnaround capability.

The ideal candidate is a financial operator who excels at identifying waste, tightening controls, improving cash flow, and building systems that support profitable scale. This role will shape the financial roadmap and may evolve.

The Fractional CFO will partner closely with the CEO and COO to ensure the company has the financial clarity, reporting accuracy, and cost discipline required to support operational resets, margin expansion, and long‑term growth.

• Serve as the senior financial advisor to the CEO and COO, providing clear guidance on cost structure, capital allocation, and financial risk
• Build a multi‑year financial model that supports profitable unit expansion, working capital needs, and ownership returns
• Conduct financial due diligence for new units, lease negotiations, remodels, and capital investments
• Identify risks to EBITDA targets and develop scenario planning frameworks to guide decision‑making
• Establish a financial strategy that prioritizes margin protection, cash discipline, and operational efficiency

• Oversee accurate, timely monthly financial statements and management reporting
• Deliver unit‑level and portfolio‑level P&L analysis with actionable variance insights
• Build a financial dashboard and KPI framework that gives the COO and district managers visibility into performance drivers
• Ensure reporting aligns with franchise requirements and ownership expectations
• Create transparency around cost centers, margin erosion, and financial trends

• Lead the annual budgeting process with a focus on cost control and realistic operational assumptions
• Maintain rolling 13‑week cash flow forecasts and actively manage working capital
• Monitor cash position, debt service, and banking covenants
• Identify opportunities to improve cash conversion cycles, renegotiate vendor terms, and optimize capital deployment
• Build a cash discipline culture across the organization

• Partner with the COO to implement accountability structures that protect and grow EBITDA
• Analyze labor productivity, COGS, occupancy costs, and overhead to identify inefficiencies and cost leaks
• Lead cost‑reduction initiatives, procurement improvements, and vendor renegotiations
• Provide financial modeling for pricing, product mix, and promotional strategies
• Build a margin‑focused operating rhythm that supports both turnaround and scale

• Oversee the accounting function and ensure strong internal controls across all units
• Manage relationships with CPA firms, tax advisors, lenders, and franchise financial reporting partners
• Ensure compliance with GAAP, tax obligations, and franchise financial reporting standards
• Review and approve month‑end close, reconciliations, and financial statement preparation
• Strengthen audit readiness and financial accuracy across the organization

• Evaluate and implement financial systems, POS integrations, and reporting tools that support scale
• Standardize financial data collection and reporting across all units
• Automate manual processes to reduce errors and increase efficiency
• Build a scalable financial infrastructure that supports growth from 25 to 50+ units

• Support ownership in evaluating new unit economics, real estate pro formas, and ROI analysis
• Prepare financial packages for lenders, SBA financing, or investor discussions
• Advise on recapitalization, exit planning, or future transactions
• Ensure growth decisions are grounded in financial discipline and long‑term profitability

• 12+ years of progressive finance experience, including…