The CFO Group
See if You Qualify

Fractional CFO · $5M to $100M founders 

You have revenue.
So why does cash
feel so tight?

At your stage, two questions dominate every week: why is cash always short, and can I afford my next hire? We answer both — with real financial modeling, not gut feel.

See if You Qualify
See how we work →

The cash problem

“We just had our best revenue month ever. I have no idea where the money went.”

Revenue ≠ cash. The gap between them is quietly killing healthy businesses at your stage

The hiring problem

“I know I need to hire. But I can’t tell if I can afford to — or afford not to.”

Every offer letter is a financial model. Most founders sign them on instinct alone.

  • Ernst & Young (Big 4)
  • Amazon — $250B International Retail
  • Apple Strategic finance partner
  • 6+ founder industries served

The two problems we start with

Where we focus first.

01

Profitable on paper, broke in practice.

Revenue hitting your P&L doesn’t mean cash hitting your account. At $5M to $100M, the spread between the two can be $200K, $500K, or more — and most founders have no system to see it coming.

  • Growing but always chasing payroll
  • Customers owe you money, but rent is due now
  • Your bookkeeper closes the books but can't say what next month looks like
  • You've taken an owner draw you couldn't really afford

What we do

We build a rolling 13-week cash forecast, map your cash conversion cycle, and create a dashboard you actually check — so you’re never caught off guard again.

02

Too stretched to stay lean. Too uncertain to commit.

You’re doing the work of two people. You know you need help. But every hire at your stage is a real bet — and without a model behind it, you’re gambling your runway on instinct.

  • Doing work that should belong to someone else but can't let go
  • Hired once before and had to let them go — you don't want to repeat that
  • No idea what the fully-loaded cost of a hire actually is
  • Not sure if the hire generates revenue — or just frees up your time

What we do

We model the full loaded cost, revenue impact, break-even timeline, and cash effect of every hire — so your next offer letter is a business decision, not a leap of faith.

Also common

"I can't tell which part of my business actually makes money."

Blended margins hide the truth. We break your P&L down by product, channel, or customer — so you know where to double down and what to cut.

Also common

"My numbers are always weeks behind when I need them."

A bookkeeper closes the books. We build systems so you have real-time visibility — and your close process stops being a lagging indicator.

Also common

"Investors want financials I can't confidently stand behind."

Whether you’re raising, selling, or talking to a bank — we get your books and your story investor-ready before it matters most.

Who we work with

Built for the $5M to $100M gap.

Too big to wing it, too lean for a full finance team. This is the most financially complex — and most underserved — stage of a business.

Revenue $5M to $100M

growing and plans to keep going

No full-time CFO

relying on a bookkeeper, controller, or yourself

Cash feels tight

despite real, growing revenue

Hiring feels risky

guesses, not plans

Facing something big

raise, acquisition, or major pivot

Want a real partner

not a monthly report

Probably not the right fit if…

  • You need bookkeeping or payroll processing
  • You're under $1M or pre-revenue
  • You want reports dropped monthly with no conversation
  • You're not ready to act on financial insights

About Joe Isaac

I've managed cash at every scale.

From auditing at Ernst & Young to running financial planning for Amazon’s $250B International Retail segment — I’ve seen what happens when businesses lose visibility into their cash, and what it takes to fix it.

Now I work exclusively with founders at the $5M to $100M stage, because that’s where the right financial partner changes everything.

Ernst & YoungBig 4 Accounting Firm. Technology, Aerospace & Defense, Insurance, Manufacturing
Amazon10 years. Sports division growth, Appliances turnaround, $250B FP&A leadership
AppleStrategic finance partner for Amazon–Apple retail collaboration
NowFractional CFO to founders in Construction, Contractors, Retail, Restaurants, Health & Fitness

"Most founders at your stage don't have a numbers problem. They have a visibility problem. Once you can see your cash clearly and model your next hire honestly — the right decisions stop feeling so hard."

JI

Joe Isaac

Founder, The CFO Group

Let's look at your cash
and your next hire.

Bring your last three months of financials and your next hiring question. We’ll spend 30 minutes giving you more clarity than you’ve had in a long time.

No pitch. No commitment. Just an honest conversation.

See if You Qualify

30 minutes · Founders at $5M to $100M · Seattle & remote