Fractional CFO & Turnaround — Ignite Strategies LLC

Service

Fractional CFO & Turnaround

Executive finance when it matters most.

Overview

CFO-level financial leadership — without the full-time cost or the search.

A full-time CFO costs $250K–$400K per year. Most small businesses don't need one full-time — they need one when it counts. Andy steps in as your fractional CFO: attending leadership meetings, managing lender relationships, building financial models, and making high-stakes financial decisions alongside you. For businesses in distress, the turnaround engagement applies the same rigor under urgency — cash flow stabilization first, structural recovery second.

What's Included

Weekly cash flow management (13-week rolling forecast)

Lender & investor relationship management

Financial model & scenario planning

Debt restructuring & covenant negotiation

Cost reduction & margin recovery plan

Investor readiness package

Exit planning & valuation preparation

Crisis triage & stabilization (turnaround clients)

The Signs

DO YOU NEED A CFO?

Revenue's Up, Profit Isn't

You're closing more business than ever, but the bank balance doesn't reflect it. Growth is masking a margin problem no one is tracking.

Cash Flow Is a Guessing Game

You can't say with confidence that payroll, taxes, and vendors are all covered 60 days out. Liquidity runs on hope.

Reports Raise More Questions

Your P&L and balance sheet land every month and leave you more confused than informed.

Big Decisions Feel Like Bets

Hiring, expansion, a major purchase — you're making six-figure calls on instinct instead of numbers.

Margins Are Quietly Eroding

Costs creep, pricing lags, and nobody owns the gross-margin line until it becomes a crisis.

Distress — Or Headed There

Debt pressure, a covenant breach, or a cash crunch that needs senior financial leadership right now.

The Process

HOW IT WORKS.

Rapid Assessment

We conduct a 72-hour financial triage: cash position, debt covenants, receivables, payables, and burn rate. For turnaround clients, this is the starting gun.

Stabilize

We immediately address any liquidity threats — renegotiating terms, accelerating collections, deferring non-critical spend — while preserving lender relationships.

Restructure

We rebuild your financial architecture: capital structure, reporting cadence, internal controls, and the forecasting model that drives decisions going forward.

Lead

Andy attends your leadership team meetings, interfaces with your accountants and lenders, and serves as a true financial partner — not just an advisor.

The Payoff

WHAT YOU GET.

Cash Flow You Can See

A 13-week rolling forecast ends the surprises. You know what's coming before it lands.

Profit, Not Just Revenue

We hunt down the margin leaks and pricing gaps quietly costing you money on every sale.

Decisions Backed by Math

Every major move modeled before you commit — so you're betting on numbers, not hope.

CFO Expertise, Fractional Cost

Board-level financial leadership for a fraction of a $250K–$400K full-time hire.

Lender & Investor Confidence

Clean reporting and a credible plan that banks and investors actually trust.

A More Valuable Business

Real controls, clean books, stronger financials — the foundation of a higher exit valuation.

Proof

FROM THE FIELD.

ALL CLIENT RESULTS

2% → 9%

Fractional CFO & Turnaround

Net margin · 6 months

"My service parts were marked up over 200%, and I was marking up a $12,000 system 8%. When Coach Andy showed me that math I was genuinely embarrassed."

Trent

Owner · HVAC & Plumbing

Coach:Andy Ervin

HVAC & Plumbing

READ THE FULL CASE STUDY →

Fit

WHO THIS IS FOR.

Business owners who need senior financial leadership now — whether scaling through a capital raise, navigating a covenant breach, managing a distressed cash position, or preparing a business for sale. Also ideal for fast-growing companies that have outgrown their bookkeeper but aren't ready for a full-time CFO hire.

Who We Help

Small & Mid-Sized Businesses — senior financial leadership without adding executive payroll.

Growing Companies — the financial systems and forecasting that scaling demands.

Service-Based Businesses — sharper cash flow, margins, and operating performance.

Owner-Led Organizations — clarity and confidence behind every major decision.

Businesses in Distress — stabilize cash, restructure debt, and restore profitability.

LET'S TALK →

Questions

FREQUENTLY ASKED.

What's the difference between a CFO and an accountant?

Accountants record what already happened and keep you compliant. A CFO looks forward — strategy, forecasting, profitability, and the high-stakes financial decisions that shape where the business goes next.

How often will we meet?

It depends on the engagement. Most clients run on a monthly strategic cadence; turnaround clients meet far more often during the stabilization phase.

Is a Fractional CFO only for struggling businesses?

No. Plenty of healthy, growing companies use one to fund expansion, sharpen profitability, and prepare for a raise or a sale.

Can a Fractional CFO actually increase profitability?

Yes. Through margin analysis, pricing, cost control, and disciplined forecasting, most engagements surface profit that was already there — just unmanaged.

Do you provide turnaround consulting?

Yes. We stabilize cash, restructure debt, fix the operational drains, and rebuild the financial architecture for recovery and long-term growth.

Your Coach