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Fractional CFO Services Services de DFP à Temps Partagé

Senior financial leadership for private businesses that require institutional-grade financial management without the cost of a full-time executive. Leadership financier senior pour les entreprises privées qui nécessitent une gestion financière institutionnelle.

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The Fractional CFO in a Growing Private Enterprise

Reviewed & Verified By
JL
Jonathan Lim, CFA
Senior Wealth Advisor, St. Lawrence Gate Financial Group — 25+ years in Canadian retirement and estate planning

Private businesses between $5 million and $50 million in revenue frequently reach an inflection point where the financial complexity of the enterprise has outgrown the capacity of the owner-manager and the bookkeeping function, but the business is not yet at the scale where a full-time Chief Financial Officer is economically justified. This gap is precisely where the fractional CFO delivers the greatest value.

What a Fractional CFO Actually Does

A fractional CFO at St. Lawrence Gate provides a defined engagement — typically one to three days per week — during which they perform the full range of CFO functions: financial reporting and analysis, cash flow management, banking relationship management, lender covenant compliance, board reporting, strategic financial planning, and the oversight and development of the internal finance function. The engagement is structured to address the specific gaps in the client's current financial management capability.

Banking and Lender Relationships

One of the highest-value functions a fractional CFO performs is managing the relationship between a private business and its banking and lending relationships. A business with sophisticated financial management and well-prepared financial packages commands better credit terms, higher facility limits, and a more responsive banking relationship than one that approaches its bank reactively when financing is needed.

The question a fractional CFO answers every day is not what happened last month. It is what is going to happen next quarter and what decisions need to be made today to ensure the right outcome.

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