You know your cash.
Do you know your profit?
See which customers, contracts, and services earn enough, and where pricing, labor, or overhead is holding growth back.
Fractional CFO + practical technology
Modern Finance for
Traditional Businesses
Better financial decisions.
Less back-office work.
Financial advice, better workflows, and practical technology, customized around your business and the people who run it.
Fractional CFO support or a defined project for businesses with a team, payroll to meet, and financial decisions that have outgrown bookkeeping alone.
Financial clarity
Better systems
Support for your team
Project-based or ongoingMonthly CFO support from $5,000Scope & fee agreed upfront30-day cancellation for ongoing support
Start with the problem you want to solve
Your business has grown.
What needs to catch up?
You know your cash.
You see the opportunity.
Can you afford the next move?
Before hiring, adding a team, or taking on a bigger contract, understand what it means for your profit and cash.
Your business has changed.
Your back office hasn’t.
Information is scattered and work is repeated. You know it could work better. You need someone to help you find where to start.
For traditional service businesses with teams to support, payroll to meet, and growth decisions to make, from cleaning, HVAC, plumbing, electrical, refrigeration, and other field or professional services.
How we help
Support shaped around
your business.
We start with your priorities, work with your existing people and systems, and agree what needs to change. The support evolves as your business does.
Financial clarity
& CFO advice
Understand the numbers and use them to decide what comes next.
- Profitability and pricing reviews
- Cash forecasts and financial models
- Scenario planning for growth decisions
- Regular reviews and practical advice
Better systems
& practical AI
Get better information with less repetitive work behind it.
- Review workflows and existing tools
- Configure useful software and integrations
- Build targeted automation or custom tools
- Keep review and approval steps clear
Training
& ongoing support
Help your bookkeeper and office team do more with what they know.
- Training with your actual records
- Clear responsibilities and procedures
- Help as your team adopts changes
- Follow-up and improvements over time
Not three packages. One set of capabilities, used in a defined project or ongoing relationship.
Free tools & examples
See the work.
Try the tools.
Use the same kinds of questions, models, and reviews I use to turn financial information into decisions. Start with a free self-assessment or open a formula-driven example.
Free · 10–15 minutes · No signup
Finance & Systems Health Scorecard
Review financial visibility, cash forecasting, profitability, back-office workflow, and team ownership. Get five category scores, red flags, your top three priorities, and a suggested place to start.
Report
Monthly Business Review
Turn P&L, cash, A/R, KPIs, and variance into management actions.
View sample →Forecast13-Week Cash Flow
Test receipts, payroll, commitments, scenarios, and minimum-cash headroom.
View model →ProfitabilityService Profitability Review
Compare customers, contracts, jobs, or service lines with the costs required to deliver them.
View model →Growth decisionTechnician + Vehicle Model
Calculate break-even workload, cash need, payback, and downside sensitivity before adding capacity.
View model →A defined project can be the starting point
Solve one financial question
without committing to a retainer.
Use a free model yourself, or ask me to build the analysis around your actual business. Project fees are quoted for the agreed scope. Ongoing support is available when it makes sense.
Profitability
Customized Profitability Review
Customer, contract, job, or service-line economics using your actual labor and delivery costs.
See the model →Cash13-Week Cash Forecast Setup
Weekly collections, payroll, suppliers, debt, capex, and minimum-cash headroom.
See the model →Growth decisionGrowth Decision Model
Hiring, crew, vehicle, equipment, or expansion economics before you commit cash.
See the model →Finance + systemsFinance & Systems Review
Reporting, forecasting, profitability visibility, workflows, controls, and team ownership.
Take the scorecard →UCFOFinance. Systems. People.
Professional judgment.
Practical follow-through.
The founder · CPA & hands-on finance leader
Experienced enough to know what works.
Hands-on enough to build it.
I’m a licensed CPA who began in public accounting, working with traditional service businesses. Later, as Head of Finance at a VC-backed Series B startup, I personally built the financial models, automated workflows, and AI tools the business needed as it grew.
Helping a traditional business owner improve his back office brought those experiences together. I started UpstreamCFO to offer that same hands-on support: understand your numbers, build around your team’s work, and stay involved as your business changes.
Read the founder’s story →Licensed CPAPublic accountingHead of Finance · Series B
Financial modeling & scenario planning
What if you make
your next move?
Test the decision before committing the cash. A model built around your costs, capacity, and customer payment terms helps you compare the choices.
Your assumptions. Your options.
A decision you can explain.
What if we add another team?
Illustrative scenario · Assumptions reviewed togetherPricing & contracts
Would a larger contract still earn enough after staffing, travel, and payment delays?
Hiring & expansion
Should you hire now, use subcontractors, or wait until demand is more predictable?
Downside planning
What happens to cash if sales slow, costs rise, or a key customer leaves?
How I improve the work behind the numbers
Start with the process.
Use technology where it helps.
The goal is not to add software or AI for its own sake. I first look at the financial question, the handoffs behind the information, and what your existing team already does.
Better workflows
Make the handoffs clearer
Map how time, job details, invoices, approvals, and accounting information move through the office. Reduce repeated work, missing information, and unclear ownership.
Useful automation
Automate repeatable preparation
Use rules, integrations, or small custom tools for repetitive steps where the output can be checked and exceptions still reach the right person.
Practical AI
Use AI for the parts it actually fits
Extract information, prepare drafts, summarize approved records, or help staff find procedures—with access limits, review steps, and human approval where needed.
Sometimes the right answer is a clearer process, not another tool.
Working together
Choose the right way
to solve the problem.
Start with a defined project or ongoing fractional CFO support. The scope, responsibilities, and fee are agreed before work begins.
01 / Understand & agree
Start with what matters most.
Review the business, people, tools, and records. Agree the problem, deliverables, responsibilities, and working arrangement.
02 / Build & support
Make the work useful.
Build the model, improve the workflow, configure the tools, or support the financial decision using your actual business information.
03 / Review & decide
Turn the work into action.
Review the result, explain what it means, and decide what should happen next. Ongoing support is available when it makes sense.
Ongoing fractional CFO
Starting at$5,000/month
Ongoing support can include regular financial review, forecasting, decision support, reporting improvement, and practical systems work around your priorities.
Defined projects
Fixed scope. Fixed fee.
Cash forecasting, profitability review, financial modeling, reporting improvement, workflow design, training, or another agreed deliverable.
- Scope agreed upfront
- Project fee quoted in advance
- No hourly billing
- Can continue into ongoing support
Before you book
A few questions
you may have.
Will you replace my bookkeeper or tax accountant?
Usually, we work alongside them. The engagement can support your bookkeeper, improve how information moves, and add financial planning and decision support. Responsibilities are agreed together.
Do we need to replace our software or use AI?
No. We start with what you already have. A clearer process or better configuration may be enough. New tools or AI are recommended when they fit the work and have a practical purpose.
What does “customized” mean in practice?
We review your business, current processes, team capacity, and priorities. The proposal specifies the work and support included. As needs change, we review priorities together and agree any changes to scope or fees.
Are workflow, automation, and AI always included?
No. They are possible approaches, not a required bundle. The work starts with the financial or operating problem. A clearer process may be enough; automation or AI is used only when it has a practical purpose in the agreed scope.
What happens after a project?
A project can end when the agreed deliverable is complete, lead to a follow-on project, or continue into ongoing fractional CFO support if that would be useful.
How do fees and cancellation work?
Defined projects are quoted for the agreed scope. Ongoing fractional CFO support starts at $5,000 per month, with a flat monthly fee, no hourly billing for the agreed scope, and 30-day cancellation notice. Separate software or third-party costs are identified upfront.
From the blog
A clearer view
before your next decision.
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What Is a Fractional CFO and How Can It Help You?
Who handles what between your bookkeeper, tax accountant, and a CFO. What it costs. How to tell if the timing is right.
Accounting vs. Finance: What Your Books Can’t Tell You
Which work earns enough, whether you can afford the next stage of growth, and why profit and cash move differently.
What AI Can Actually Do for Your Accounting Team
Receipts, coding, reconciliation, month-end. What works today, what still needs a person, and where to start.
The AI Skills Gap in Traditional Business Finance
Better tools exist, but nobody owns the implementation. Process design, role-based training, and where CFO support fits.
Let’s start with your business
What would you like
to make better?
Bring a growth decision, a profitability question, or the back-office work that takes too much time. We’ll discuss where support could help.
Book a free consultation
30 minutes · Online · No preparation needed
No obligation to proceed