Your CPA gets last year's tax return. Your bank gets a PDF you're not sure about. You get a gut feeling. We replace all of that with a full management accounts pack — P&L, cash flow forecast, KPIs, and plain-English insights — on your desk by the 5th. Every month. From $3,995/mo.
Open any sample. It's the exact deliverable — not a mockup. Can your current bookkeeper produce this?
One-page executive dashboard — KPIs, revenue trends, cash position, and action items. The report every owner wishes they had.
Full P&L, balance sheet, cash flow, AR aging, budget vs actual, and plain-English commentary. Dallas, Houston & Austin demo.
Rolling weekly forecast with AR aging, scenario analysis, covenant tracking. The report your bank will love.
Don't see your industry? We tailor every report to your business.
Request a Custom Sample →
Revenue is up 12%. You hired two people. But you can't explain to your spouse why the account balance hasn't moved. That gap between "profit" and "cash" isn't a rounding error — it's the difference between a real business and an expensive hobby. Every week you don't know why, the gap widens.
Transactions are categorized. Reports are "available." But when your bank asks for a 13-week cash flow forecast, you stare at your bookkeeper. When your partner asks your gross margin by service line, silence. You're paying for data entry and calling it a finance department. That's not a bookkeeper problem — it's an architecture problem.
Tax returns are filed. Compliance is met. But by the time you see last year's numbers, the decisions those numbers should have informed are long gone. You needed to know your Q2 margins in July — not the following April. A CPA looks backward. A controller looks forward. You're paying for an autopsy when you need a diagnosis.
Growing fast, numbers can't keep up. You've outgrown your bookkeeper but can't justify a $180K controller hire. Yet.
US entity, foreign parent or subsidiaries. Your CPA doesn't touch 8865s. We handle GAAP, IFRS, and FRS under one roof.
Board wants a management pack Tuesday. Bookkeeper delivers reconciled data next month. We close the gap in 5 days.
10+ locations, zero visibility. You don't know which ones make money and which ones are bleeding cash. We show you — per site, per month.
You've been solving this wrong. Here's how we fix it.
Three services that replace your bookkeeper, controller, and CFO — at a fraction of the cost.
Your books closed. Your vendors paid. Your bank reconciled. Payroll reviewed. Sales tax filed. By the 5th of every month — no chasing, no excuses. The financial backbone your business needs, done right.
Know exactly where you stand — every month. P&L with commentary, cash flow with context, and KPIs that tell you what to do next. Not just numbers — the story behind them.
Make decisions with confidence, not gut feel. Budgets that hold, forecasts that update, internal controls that protect you, and a strategic partner who tells you what your CPA won't — what to do next.
Specialist capabilities
Franchise networks, property portfolios, multi-location P&Ls. We've managed 70+ location groups with centralized reporting.
Working papers, schedules, CPA liaison. Your accountant gets a clean package — your audit fees stay low.
Law firms (IOLTA/trust accounts), construction, healthcare, e-commerce, SaaS, and fund accounting. We speak your industry's language.
Multi-state payroll tax oversight, W-2/1099 filing coordination, sales & use tax nexus monitoring. We keep you compliant so you sleep at night.
Segregation of duties, approval workflows, fraud prevention controls. We build the financial guardrails your growing business needs.
Entity structuring, annual filings, franchise tax, registered agent coordination. Texas, Florida, California — we know the rules in every state you operate.
We don't just "use AI" — we deploy it across your business. Finance automation, hiring workflows, customer onboarding, document processing, and operational AI strategy. Your CFO is also your AI strategist.
QuickBooks to NetSuite? Spreadsheets to proper accounting software? We don't just advise on the move — we execute it. Setup, data migration, integration, and team training.
Bespoke financial dashboards built for your business — not a generic template. Real-time cash visibility, KPI tracking, and investor-ready visuals you won't find from any other CFO firm.
Every deliverable: Prepared by BlackpeakCFO · Reviewed by your CPA
Your CPA tells you what happened. We tell you what to do next.
Share your bank feeds and accounting login. No 6-week onboarding. Within 48 hours you'll get a free diagnostic: open items, reconciliation gaps, and a prioritized cleanup plan.
We reconcile every account, fix categorization errors, and build your chart of accounts for real reporting. AI handles the repetitive work. Your CGMA-qualified controller reviews every number.
Your first management pack lands — P&L with variance commentary, cash flow forecast, and KPIs that show exactly what drove the numbers and what to do next.
After that? Monthly management accounts by the 5th. Every month. With a call to walk you through it. No surprises. No jargon. Just numbers you can act on.
"Your CPA tells you what happened.
We tell you what to do next."— The difference between accounting and financial leadership
From 24 years of hands-on engagements — law firms, listed companies, PE funds, and franchise networks.
Internal bookkeeper had left. Nobody understood three-way reconciliation. The managing partner was losing sleep.
Rebuilt trust ledgers in 2 weeks. Identified $47K in unbilled disbursements. Passed bar audit with zero findings.
5 subsidiaries, 2 jurisdictions. Manual consolidation. Intercompany balances never agreed. Auditors billing premium.
Standardized chart of accounts, automated currency translation. Consolidation cut to 10 days. Audit fees down 30%.
US partnership with Dutch entities. CPA got a shoebox at year-end. 1065 always extended. Partners in the dark.
Monthly management accounts with K-1 estimates. Complete 1065 package for CPA. First on-time filing in 3 years.
Entertainment company processing weekly revenue share payments by hand. CFO spending days on payment runs.
Automated payment processing. Location-level P&L dashboards. Processing time: 3 days → 2 hours. Zero errors.
These aren't hypotheticals. Every case reflects real engagements from investment banking (Citigroup, ABN AMRO), private equity (Arle Capital, Bancroft), and multi-brand portfolio operations.
AICPA professional standards require strict client confidentiality. We take that seriously. But we asked permission to share their words — anonymized.
"For the first time in 6 years of running this company, I actually know whether we're making money. Not 'I think so' — I know. By the 5th of every month."
"Our previous bookkeeper gave us a P&L. Stuart gives us a story — here's what happened, here's why, here's what to do about it. Our board meetings went from painful to productive."
"We had 5 entities across 2 countries and our consolidation took 6 weeks. Now it takes 10 days. Our auditor actually thanked us — that's never happened before."
Every business has its own financial DNA. We've built reporting packs for each — so your numbers make sense from day one.
Trust accounts reconciled. IOLTA compliant. Partners paid fairly.
Job costing that matches your AIA billings. Bank-ready packages.
MRR, burn rate, runway — the metrics your investors actually read.
Per-channel profitability across Amazon, Shopify & Walmart.
Also serving: HVAC & Trades · PE & Venture Funds · Multi-Location Franchises · Healthcare · Professional Services
Most "fractional CFO" firms hand you off to a junior analyst. Here, I'm the person doing the work — not managing the person doing the work.
ACMA CGMA · AICPA Member
You're spending $2,000–$5,000 a month on bookkeeping you can't use and a CPA who looks backward. For the same budget, you get a qualified management accountant who closes your books, builds your management pack, and tells you what the numbers actually mean — every month, by the 5th.
Not a target. A guarantee. Reconciled, reviewed, and ready — while your competitors are still chasing receipts.
AI flags every anomaly. I investigate it. You never get blindsided by a write-off or a cash surprise again.
Not a data dump. P&L with commentary, cash flow forecast, KPIs that matter — written in plain English, not accounting jargon.
Know exactly where your cash is — not where it was 30 days ago. Continuous reconciliation, not a month-end scramble.
AI handles the volume and the repetitive work. I handle the judgment calls, the analysis, and the "what does this mean for your business" part.
Your CPA handles tax. Your bookkeeper records transactions. Nobody tells you what the numbers mean or what to do next. That's the gap. That's where I sit.
8865s, 5471s, K-2/K-3 schedules, transfer pricing, multi-currency consolidation. US entity with foreign ops? I've done it at Citigroup scale. I'll do it at yours.
Custom dashboards, automated workflows, AI integrations, system migrations — I don't advise on technology, I implement it. Need AI for hiring workflows? Customer onboarding automation? Document processing? Your fractional CFO is also your AI strategist. No other firm offers that combination.
A full-time controller with my qualifications costs $150K–$200K plus benefits. You get the same expertise, the same rigor, and faster output — starting at $3,995/mo. The math isn't complicated.
Every plan includes AI automation and AICPA-member review. Choose the level that fits your stage.
Not happy after month one? Full refund. No questions. We take on the risk — not you.
We know. A $4K/mo decision deserves straight answers.
Me. Stuart Wilson, ACMA CGMA, AICPA member. Every management pack, every reconciliation, every report — I review it personally. AI handles the volume work (categorization, matching, first-pass reports). I handle the judgment. There's no offshore team, no junior associate "learning on your account." When you email, I reply.
No — and here's why. I'm a CGMA (Chartered Global Management Accountant), the joint AICPA/CIMA designation. I prepare 100% of your books, management accounts, and tax return packages. Your CPA reviews and files. Think of it like this: I'm the engine, they stamp it. This is actually better than a solo CPA — you get two layers of review, not one. Already have a CPA? We work with them. Need one? I'll connect you with a trusted partner in your state.
I carry professional liability insurance. But more importantly — the entire system is designed to prevent mistakes. AI flags anomalies. I review every number. Your CPA cross-checks tax filings. That's three layers of defense. In 24 years across Citigroup, ABN AMRO, and private equity, my books have been audited by Big 4 firms with zero material findings. But if something ever does slip through? I fix it immediately, at my cost, no questions.
Within 48 hours of connecting your accounting platform and bank feeds, you'll receive a free diagnostic: open items, reconciliation gaps, and a prioritized cleanup plan. Most clients are fully onboarded within a week — not the 6-week process some firms require. If your books are behind, we start the catch-up immediately.
It's literally why most clients call us. Catch-up bookkeeping is one of our most common engagements. We'll assess how far behind you are, quote a one-time cleanup fee, and get you current — typically within 2–4 weeks depending on the mess. Then we transition to monthly service so it never happens again. We've cleaned up books that were 18 months overdue. Yours won't be the worst we've seen.
No. We work with QuickBooks Online, Xero, or whatever you're already using. No forced migrations, no "our proprietary platform." If you're starting from scratch, we'll recommend the best fit and handle setup. Your tools stay yours — we just make them work properly.
On or before the 5th of every month, you receive: a full management pack (P&L, balance sheet, cash flow statement with written commentary), KPI dashboard, 13-week cash flow forecast, budget vs actual variance analysis, and AP/AR aging reports. Plus 2 strategy calls. Everything is GAAP-compliant, CPA-ready, and comes with plain-English notes explaining what drove the numbers and what to do next. See a real sample above ↑
Full refund. 30 days, no questions, no hard feelings. I take on the risk — not you. If the management pack doesn't make you say "why didn't I do this sooner," you shouldn't pay for it. No other fractional CFO service offers this because most can't afford to. I can — because clients don't leave.
I handle it. CPA liaison, bank reporting packages, lender covenant compliance, audit support — that's my job, not yours. Your CPA gets a clean package. Your bank gets formatted reports. You get your time back. The whole point is that you stop being the middleman between your financial service providers.
Yes — oversight and compliance, not processing. We review your payroll runs for accuracy, monitor multi-state withholding, track W-9 collection and 1099-NEC filing deadlines, and manage sales & use tax nexus obligations. We coordinate with your payroll provider (ADP, Gusto, Paychex) and ensure nothing slips through the cracks. If you don't have a payroll provider yet, we'll recommend one and handle the setup.
Absolutely. Multi-state compliance is one of our core strengths. Franchise tax in Texas, commercial rent tax in Florida, income tax in California — every state has its own rules. We monitor your nexus obligations, coordinate state filings, manage registered agent requirements, and ensure your entity structure is optimized for where you operate. Whether it's 2 states or 12, we keep you compliant everywhere.
That's exactly when controls matter most. We design and implement segregation of duties, approval workflows, expense policies, and fraud prevention controls tailored to your size. Not the 200-page SOX manual a Big 4 firm would sell you — practical, right-sized controls that protect your cash without slowing your team down. We also document everything so your auditor sees a company that's built to scale.
Yes — and this is what makes us different from every other fractional CFO firm. I'm a software engineer who builds production AI systems, not a finance person who "dabbles in tech." Beyond automating your finance operations, I help clients deploy AI across their entire business: hiring workflows, customer onboarding automation, document processing, proposal generation, inventory management — wherever there's a repetitive process costing you time and money. Your fractional CFO is also your AI strategist. No other firm offers that combination.
Practical finance knowledge — not jargon. Guides, calculators, and checklists for US business owners.
A real management pack, built for your industry, in your inbox within 24 hours.
Your sample management pack is being prepared and will arrive at within 24 hours.
Most clients book a call after seeing the sample. Zero pressure.
