Checklist cfo
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Fractional CFO Starter Checklist

Step-by-step checklist for onboarding a fractional CFO — covering financial systems access, reporting cadence, and 30/60/90-day priorities.

Hiring a fractional CFO is a different problem from hiring a full-time CFO. The stakes are lower but so is the context. A fractional CFO arrives without institutional knowledge and must build a complete picture of your financial operations in weeks, not months. This starter checklist lives on the company side of the engagement: the work you need to do before the CFO''s first day to make their first weeks productive. The companies that get the most from their fractional CFO are the ones that arrive with clear metrics for success, a defined reporting cadence, and a written 30/60/90-day plan agreed upon by all stakeholders. The companies that waste their fractional CFO''s first months are the ones that say "we will figure it out as we go." Key pre-engagement work includes establishing the financial data baseline (last three months of P&L, current balance sheet, cash flow statement), defining the board reporting cadence and format, identifying the three to five KPIs that matter most for the company stage, and getting leadership alignment on what the CFO does and does not own. Without this alignment, the CFO''s authority will be constantly contested in the first months. This checklist is for companies at the beginning of their first fractional CFO relationship. It covers the setup that determines whether the next twelve months produce meaningful financial leadership or expensive advisory overhead.

Hiring a fractional CFO is a different problem from hiring a full-time CFO — the stakes are lower but so is the context. A fractional CFO arrives without institutional knowledge and must build a complete picture of your financial operations in weeks, not months. This starter checklist lives on the company's side of the engagement: the work you need to do before the CFO's first day to make their first weeks productive. The companies that get the most from their fractional CFO are the ones that arrive with clear metrics for success, a defined reporting cadence, and a written 30/60/90-day plan agreed upon by all stakeholders. The companies that waste their fractional CFO's first months are the ones that say "we'll figure it out as we go." This checklist is for companies at the beginning of their first fractional CFO relationship — the setup that determines whether the next twelve months produce meaningful financial leadership or expensive advisory overhead.

Systems Access & Setup

  • Grant QuickBooks / Netsuite / Xero admin access
  • Share read-only bank portal credentials
  • Provide access to payroll system (Gusto, ADP, Rippling)
  • Share cap table and equity management system
  • Connect accounting software to reporting stack

30-Day Priorities

  • Review trailing 12 months P&L and balance sheet
  • Audit burn rate and runway calculation
  • Map all existing vendor contracts and payment terms
  • Identify top 3 cash flow risks
  • Deliver first board-ready financial summary

60-Day Milestones

  • Build 13-week cash flow forecast
  • Standardize monthly close process (target: 5 business days)
  • Implement department-level budget tracking
  • Establish KPI dashboard (CAC, LTV, gross margin, churn)
  • Conduct pricing model review

90-Day Deliverables

  • Annual budget + quarterly reforecast model
  • Scenario planning (base / bull / bear)
  • Vendor renegotiation recommendations
  • Fundraising readiness assessment (if applicable)
  • Board presentation template established
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Frequently Asked Questions

The common trigger points: Series A or later with institutional investors who expect monthly financial reporting, monthly burn over $100K with no clear runway model, board pressure for investor-grade financials, revenue complexity that requires revenue recognition expertise, or a pending financing round where the existing team cannot produce a credible financial model. Pre-seed companies rarely need one — a good bookkeeper and quarterly CPA review is sufficient until one of these triggers is hit.

The minimum access needed on day one: accounting software read/write (QuickBooks, Xero, or NetSuite), bank account read access, payroll system read access, and cap table tool ( Carta or Angelist). Do not give cloud storage access until a NDA is signed — sensitive board materials and financial data will be in there. The CFO should not have the ability to make payments in the first 30 days — that is a separation of duties issue.

30-day plan: get system access, assess current-state financials, produce a written assessment of the three biggest risks. 60-day plan: implement monthly close cadence, produce first board-ready financial package, begin building or rebuilding the financial model. 90-day plan: deliver a scenario forecast, have a clean cap table review process, and a documented handoff system for when the engagement ends. The 90-day plan is the most important — it forces both sides to define what "success" looks like before the engagement begins.

A full-time CFO at a Series A/B company costs $200K–$350K/year in salary plus equity. A fractional CFO at the same stage typically costs $4,000–$8,000/month on a retainer — $48K–$96K/year. The gap is significant but the comparison is not fully apples-to-apples: a fractional CFO does not have the same authority, depth of context, or daily availability. They are a better fit when you need strategic finance leadership for a specific project or ongoing board reporting without the full-time cost.

Ask: "What will you produce in week two?" — if they cannot name a specific deliverable, they are not structured. Ask: "How many clients do you currently have?" — more than five means you will not get enough attention. Ask: "How do you handle it when your advice conflicts with what the CEO wants?" — you want someone who will push back, not someone who agrees with everything. Ask: "Walk me through your offboarding process" — if they cannot describe a clean handoff, the engagement will create dependency, not capability.