Expert Fractional CFO Services for Small Businesses & Women Entrepreneurs
Get the financial insights and strategic guidance you need
to grow your business—without the cost of a full-time CFO.
Financial Strategy & Planning
Developing a roadmap for long-term financial stability and growth.
Risk Management
Overseeing compliance, tax planning, and identifying potential financial risks to help your business stay resilient.
Human Resource
Working with HR to align hiring plans with budgets, understand the total cost of new hires, and develop incentive programs.
MEET THE FOUNDER & CFO
Hey, I'm Amy!
I am a single mom, entrepreneur, and strategic financial leader with over 20 years of experience helping small to mid-sized businesses scale, grow, and achieve their full potential. Over the course of my career, I’ve specialized in navigating complex business challenges and creating customized strategies that drive financial stability, operational efficiency, and long-term success.
Throughout my two decades in leadership, I’ve worked with businesses facing high-stakes situations, consistently delivering results that strengthen their foundations and open doors to new opportunities. From resolving legal and financial obstacles to streamlining operations, I’ve built a reputation for transforming challenges into strategic advantages that fuel growth.
Here are a few key areas where I’ve delivered impact:
Risk Management & Negotiation: Successfully resolving complex challenges, including high-stakes disputes, to protect business interests and minimize risks.
Debt Restructuring: Paying down multimillion-dollar liabilities to restore trust with key partners and ensure long-term stability.
Operational Streamlining: Implementing cost-saving measures across teams and uncovering efficiencies to free up resources for reinvestment.
Financial Growth & Resilience: Building robust financial reserves and liquidity to position businesses for sustainable growth and future challenges.
Why work with a CFO?
A skilled finance professional is essential to support your business and key stakeholders, helping you address accounting, compliance, and commercial challenges while driving strategic decisions to manage and sustain growth effectively.
In-Depth Financial Expertise: Gain access to a highly trained finance professional who can help maximize profits, improve financial performance, and manage risks effectively.
Cost-Effective Solution: Enjoy senior-level financial leadership at a fraction of the cost of a full-time CFO—typically saving 30-50%.
Strategic Decision-Making: Receive expert advice on prioritizing improvements and achieving your financial goals, especially during critical decisions like expansion or securing funding.
Broad Expertise Across Industries
Our experienced CFO brings deep market knowledge and a thorough understanding of the skills and nuances within your sector. With expertise tailored to your unique needs, we specialize in supporting the following industries:
Technology
Startups, software companies, and tech-focused businesses.
Healthcare & Wellness
Medical practices, clinics, and wellness-focused businesses.
Real Estate
Property management firms, real estate developers, and construction companies.
Hospitality & Travel
Restaurants, hotels, and tour operators.
Entertainment & Media
Production companies, media agencies, and creative businesses.
Professional Services
Law firms, marketing agencies, consulting firms, and architecture practices.
How It Works (Step-by-Step Process)
Free Assessment
We analyze your financials to identify gaps and opportunities.
Customized Plan
Develop a tailored roadmap to achieve your business goals.
Ongoing Support
Work with you to implement strategies and track progress.
Ready to get started?
What Our Clients Are Saying:
Your success will always be our #1 priority
"Working with Amy from Pac Ledger Financial Services was a transformational experience for our agency. Her ability to identify financial opportunities and provide clear, actionable strategies was invaluable. She streamlined our budgeting process, optimized cash flow, and offered insights that completely changed how we approach financial decision-making. Her professionalism, clarity, and expertise made complex concepts easy to understand, empowering our team with confidence and direction. Thanks to her guidance, we are now positioned for stronger growth and stability. We highly recommend her to any business seeking top-tier financial leadership."
Fox Reliable Insurance Agency
Los Angeles, CA
Frequently Asked Questions
What exactly does a fractional CFO do, and how can they benefit a growing business?
A fractional CFO provides executive-level financial expertise on a part-time or project basis, allowing companies to access high-level financial strategy without the full-time commitment and cost of a traditional CFO. They can benefit a growing business by creating financial forecasts, setting up reporting systems, managing cash flow, and offering insights that help optimize spending and improve profitability. This service is ideal for businesses that need guidance with complex financial matters but may not yet be able to afford or require a full-time CFO.
How does a fractional CFO differ from an accountant or bookkeeper?
While an accountant or bookkeeper focuses on recording transactions, managing accounts, and ensuring compliance with financial regulations, a fractional CFO takes a more strategic approach. They analyze financial data to provide insights on growth strategies, budget planning, risk management, and funding options. Essentially, a fractional CFO looks at the bigger picture and helps a business make informed decisions to reach long-term financial goals.
What key metrics should a business track, and how does a fractional CFO assist with this?
Key metrics vary by business, but generally include cash flow, gross margin, EBITDA, customer acquisition costs, and return on investment (ROI). A fractional CFO helps identify the most critical metrics for your business, sets up tracking systems, and ensures regular reporting. They also interpret these metrics, providing insights and recommending actions that help the business remain on a healthy growth trajectory.
How does a fractional CFO help with fundraising or investor relations?
A fractional CFO assists with preparing financial forecasts, creating investor presentations, and ensuring that all financial records align with investor expectations. They can guide the business in evaluating different funding options and preparing for due diligence, which is essential when dealing with potential investors or lenders. In addition, they can communicate complex financial information in a way that builds trust and transparency with investors, which is crucial for securing funds.
What should a business expect during the onboarding process with a fractional CFO?
During onboarding, a fractional CFO typically conducts a financial health assessment, reviewing existing financial data, processes, and reporting tools. They then meet with key stakeholders to understand business goals and challenges. The CFO may recommend specific financial tools or processes to enhance visibility and reporting accuracy. Finally, they establish a customized roadmap that aligns with the company’s objectives and timelines, setting the stage for regular check-ins and updates to monitor progress.