A Fractional CFO Seat for Owner-Operated Companies
One CFO Seat.Built for Owner-Operators.
Most advisors teach you to run a better company. This seat exists to make yours worth more to a buyer, with one senior CFO installed inside your business every month, no menu of services, no rotating bench of juniors.
The Distinction
Coaches and consultants teach you to run a better company.
I prepare yours to be worth more to whoever buys it.
Better operations are a means, not the goal. Every number the seat touches, cash flow, margins, reporting, is built around a single question: what would make this business worth more the day you decide to sell it.
The Problem
Gut feel isn't a financial strategy.
Most owner-operated companies run the same way they did at half the revenue: the owner makes every real financial call alone, with no one accountable for what those calls do to the company's value. The business can run fine like this for years. It just isn't built to be worth much to someone else.
Decisions made on gut feel
Seven and eight-figure calls, on pricing, hiring, and cash, get made without real numbers behind them because there's no one in the business whose job is the numbers. Every one of those calls either builds enterprise value or quietly erodes it.
The business can't run without you
If every key relationship, decision, and piece of financial knowledge runs through the owner, a buyer sees risk, not value. That dependency is one of the biggest things that gets discounted off a sale price.
No idea what the business is worth
There's a real gap between what most owners believe their company would sell for and what a buyer would actually pay for it, and no way to close that gap without knowing where it comes from.
The Offer
One seat. Everything a CFO does. Nothing to choose between.
Value Strategy
Financial strategy and forecasting built around one question: what makes this business worth more. Cash planning, scenario modeling, and the calls that used to get made on gut feel now get made against what they do to enterprise value.
Visibility
Real financial visibility that closes the gap between what you think the business is worth and what a buyer actually sees, and reduces how much of that picture lives only in your head.
Exit Readiness
Valuation tracking and buyer-ready financials built in from day one, whether a sale is next year or five years out, so the business is always ready for the conversation.
The seat, at a glance
Readiness by Stage
The same seat, sized to where you are.
It's one fractional CFO seat at every revenue range. What the seat focuses on shifts as your business does.
Foundation
$3.5M–$5M in revenue
- Real financial visibility instead of monthly guesswork
- Cash flow visibility and short-term forecasting
- Clean financials a future buyer could actually trust
- A first read on what the business is worth today
- Basic scenario planning
- Owner briefings built around what's driving value, not just year-end summaries
Build
$5M–$8M in revenue
- 13-week rolling cash flow forecasting
- Reporting built to hold up to outside scrutiny
- Margin and profitability analysis by line of business
- Debt and capital structure guidance
- Closing the gap between plan and performance
- Systems that don't depend on you to keep running
Scale
$8M+ in revenue
- Exit and diligence readiness
- Buyer-ready quality-of-earnings positioning
- Owner-independent financial reporting
- Multi-entity or multi-location consolidation
- Scenario modeling for major decisions
- Succession planning that removes you as the single point of failure
It's one seat. We'll show you where it starts.
Tell us where your business is today. We'll show you exactly what the seat focuses on first, and what can wait.
Let's talkValuation-Gap Calculator
A full CFO seat could be worth $1,200,000 more at exit.
Buyers pay less for businesses with unclear financials and no forecasting. Select how your financial operations run today and your approximate annual revenue to see the gap between your current valuation and what a fully installed seat could be worth.
Talk through your gapHow do your financial operations run today?
Books get closed when there's time. No real forecasting or reporting cadence.
Valuation today
$1,000,000
Systemized potential
$2,200,000
Your valuation gap
$1,200,000(120% higher)
Who It's For
Built for one kind of company, not every kind.
The seat is designed around a specific profile. If this sounds like your business, it's almost certainly a fit.
Owner-Operated
You own and run the business day to day. This isn't built for teams reporting to outside investors.
$3.5M–$8M+ Revenue
The business has outgrown a bookkeeper alone but doesn't need a full-time CFO on payroll year-round.
No Traditional Board
Decisions run through you, not a board of directors or investor committee.
Exit-Minded Owners
Whether it's next year or in five, you want the business ready to sell on your terms when the time comes.
Proven at Scale
150+
Owner-operated companies supported
$3.5M to $8M+ in revenue
$325M+
In enterprise value created at exit
Across client valuations and sales
92%
Clients still with us after year one
Across active CFO engagements
Results
The work speaks in outcomes
Ridgeline Manufacturing: From Owner-Dependent to Buyer-Ready
Ridgeline had grown past $6M with every financial decision running through the owner and no visibility past this month's bank balance. The seat installed real forecasting and reporting that didn't require the owner to translate it.
Growth Moment
No visibility past this month's bank balance, and no one but the owner who understood the numbers
Accreto Support
13-week cash forecast, owner-independent reporting, financial visibility dashboard
Outcome
Caught a working-capital shortfall two months before it hit
How We Work
From diagnosis to a fully staffed seat in four moves.
- 01
Diagnose
We review your financials, systems, and cash position to find exactly where value is leaking today, and where the business depends too heavily on you.
Next step: Install - 02
Install
We set up the visibility, forecasting, and reporting your business has been missing, built around closing the gap between what it's worth today and what it could be worth.
Next step: Operate - 03
Operate
You have a CFO in the seat: real financial visibility, decisions measured against enterprise value, and a standing line to counsel that isn't just closing the books.
Next step: Prepare - 04
Prepare
We build toward whatever is next, growth, a raise, or a sale, with a business that's worth more and financials a buyer or lender can trust.
Insights
Practitioner perspectives on owner-operated growth.
The Dark Side of Job Title Inflation
Handing a loyal employee a bigger title instead of a raise feels like a win that costs nothing. The bill comes due at the next stage of growth, usually in the one seat that can least afford it.
Bridging the Gap Between Finance & HR
A guide to keeping hiring plans and budget planning in sync between finance and HR, built from field data across owner-operated companies and the systems that connect them.
When to Hire a Fractional Leader: An Owner's Playbook
A conversation on fractional leadership and the operating systems that let owners scale without adding permanent headcount too soon.
What a Readiness Assessment Actually Finds
Most owner-operated companies don't know where their financial blind spots are until a bad quarter finds them first. Here's what a real readiness audit surfaces before that happens.
The Plateau No One Talks About
Growth feels safe right up until the numbers stop making sense. Why gut-feel decisions are usually the first sign the financial systems were never really built.
Why Owners Choose Accreto
Measured by what it does to your valuation.
We don't hand you a dashboard and disappear. We sit in the seat alongside you, every month, until what the business is worth to a buyer is no longer a guess.
- Built specifically for owner-operated companies, not repurposed enterprise finance frameworks
- Every decision is measured against what it does to your valuation, not just this month's cash
- You get one senior CFO, not a rotating bench of analysts or juniors
- No menu of add-on services to upsell into: one accountable seat, one flat price
The Founder
Matthew Unger
Matthew founded Accreto Growth Partners on a simple premise: plenty of coaches will teach you to run a better company, but almost no one is accountable for what it's actually worth to a buyer. Accreto installs one senior seat, financial strategy, real reporting, and exit readiness, built around that number every month.
Recognition
Fastest Growing Firms
2026
Top Fractional CFO Firm
2025
Editor's Pick, Financial Leadership
2024, 2025
Best-in-Class Reporting Standards
2025
Investment
One flat price. No tiers, no surprises.
You will never see a percentage-of-results fee or a ladder of packages from us. The seat is priced once, upfront, so you always know exactly what you are paying for.
Installation
$7,000one-time
A full diagnosis of what's building, and what's draining, your company's value, with the visibility and forecasting infrastructure installed to close the gap.
The Seat, Every Month
$5,000/month
Ongoing financial strategy, visibility, and reporting built around growing enterprise value, with the same CFO in the seat every month.
- Flat pricing, agreed before we start
- No tiers to choose between or upsell into
- No percentage-of-results or commission pricing
- One installation fee, one monthly system fee
Same price for every owner-operated company we install the seat with.
Questions
Answers before you book a call.
The most common questions owners ask before bringing on the seat.
Get Started
Let's talk about what your business is worth.
Schedule a strategy call with the Accreto team. We'll look at where your financial visibility and owner dependency stand today, and map exactly where the seat would start closing the gap.
Pick a time that works for you
Book directly on our calendar. No back-and-forth, just pick an open slot.