“Excelled People For Excellent Services”
Services · Desk two
Excello's CFO services for startups and small businesses give you a senior finance specialist part-time, for the forward-looking work: cash forecasts, financial models, budgets and the numbers behind big decisions.
The work is built on your live QuickBooks, Xero or Odoo numbers, and your questions are answered within one business day.
Full scope
The engagement covers the forward-looking side of your finances: the model, the cash forecast, the budget and the decisions that hang off them.
| What Excello does | What you supply | What you get back |
|---|---|---|
| Financial model | Access to your QuickBooks, Xero or Odoo, your headcount plan and your pricing | A working model of revenue, costs, headcount and cash, with its assumptions written down |
| Rolling cash flow forecast | Bank, Stripe and card data, plus any large payments you know are coming | A forward view of cash that shows when the balance is lowest |
| Scenarios and runway | The decision you are weighing and when it has to be made | What a slower, base and faster case each do to cash and runway |
| Budget and budget against actual | Time with whoever owns each spending line | A budget by department, and a review of where actual spending has moved away from it |
| Unit economics | Sales and marketing spend, customer counts and delivery costs | The cost to win and serve a customer, and where margin is going |
| Hiring and capital planning | The roles or investments you are considering | What each one costs fully loaded, what it has to return and when to commit |
| Working capital | Payment terms with customers and suppliers | The gap between paying and getting paid, and how to close it |
| Questions between sessions | An email or a message | An answer from your finance specialist, within one business day |
Fractional CFO services meaning
By stage
Startups
The work is dominated by runway: how many months of cash you have, and what changes that number.
Small businesses
Usually profitable and growing, but unsure which parts of the business make the money.
Software companies
The finance work turns on the gap between when customers sign and when the cash arrives.
CFO services for small businesses and startups draw on the same toolkit. What changes is which question comes first.
The engagement
CFO as a service means ongoing access to a finance specialist, not a one-off report. The work follows the same sequence every time.
A call to agree which parts of the scope you need and the first decision you want help with, followed by a written quote.
Read access to your QuickBooks, Xero or Odoo, and your payroll, payment and card tools where you use them. You keep admin rights throughout.
Your finance specialist builds the model and the first cash forecast from your live ledger, then walks you through every assumption.
As each month closes, the model and forecast are updated and the decisions in front of you are worked through, with questions answered within one business day.
A buyer's checklist
Judge fractional CFO service providers on who does the work and what you receive, not on how senior the website sounds. Ask every firm the same questions, Excello included.
| What to ask | What to check | What a good answer looks like |
|---|---|---|
| Who will do the work? | Whether the person on the sales call is the person doing the analysis | A senior finance specialist you meet before you sign |
| What do we receive? | Named deliverables, not "advice" or "support" | A written list: model, cash forecast, budget review and notes on what was decided |
| How is it priced? | Whether you are buying hours, days or a defined project, and what happens if you need more | A clear basis, stated before work starts, with no surprises when a busy month comes |
| Where does the work live? | Whether the model is built on your live ledger or an offline spreadsheet | Built on your QuickBooks, Xero or Odoo numbers, with you keeping admin access |
| How fast do you answer? | A stated response window, not "always available" | A committed window, such as one business day |
| What happens if we leave? | Who owns the model and the files | You own the model and every file, handed over in a usable format |
Pricing
Fractional CFO work can be taken on its own, with your books staying where they are. The same team can also run the work underneath it.
Outsourced bookkeeping
The closed monthly books every forecast is built on.
Outsourced bookkeepingPayroll
Pay runs posted straight to the ledger, so headcount costs are always current.
PayrollTax
US, UAE and UK returns, prepared from closed books.
TaxSelling online? Ecommerce CFO services add profit per order after ad spend and margin by product.
Fractional CFO services give a company a senior finance professional part-time. That person owns the forward-looking finance work: the financial model, cash forecast, budget, unit economics and the analysis behind hiring, pricing and investment decisions.
A bookkeeper records what happened and closes the month. A fractional CFO uses those closed books to plan ahead: runway, margin, pricing, hiring and how capital should be spent. The work is judgment on the numbers, done in conversation with you.
Yes. Fractional CFO work can be taken on its own. The forecast is only as good as the books under it, so your ledger is reviewed first, and anything behind can be fixed by your current bookkeeper or with Excello's catch-up work.
Read access to your QuickBooks, Xero or Odoo, plus your payroll, payment and card tools where you use them. Beyond that, your plans and the decisions you are weighing. You keep admin rights to everything throughout.
It depends on the scope and how much senior time you need each month. Excello quotes CFO work before it starts, based on which parts of the scope you want, the complexity of the business and the state of your books.