An experienced finance director, for the hours your company needs.
Strategic financial leadership on demand to organise your finances, support investment decisions and sustain your company’s growth in Brazil and abroad — without the cost of a full-time executive.
Signs it is time
Most companies look for a fractional CFO when they recognise one or more of these situations:
- Cash gets tight without warning and there is no visibility.
- The numbers arrive late, do not reconcile or do not help decisions.
- The owners are stuck in day-to-day work with no time for strategy.
- A bank, investor or buyer asks for information the company does not have ready.
- The business is growing, exporting or opening abroad faster than its finance function.
- A full-time finance director does not fit the budget yet.
What a fractional CFO does
Cash and working capital
Cash-flow forecasting, payment terms, inventory and working-capital needs.
Planning and budgeting
Budgets, forecasts and tracking against actuals (FP&A).
Reporting and KPIs
Monthly management reports and KPIs the leadership actually uses.
Banks, credit and funding
Sources of credit, bank negotiations and investor readiness.
Costs, pricing and margins
Costing, pricing and profitability by product, customer and market.
M&A, succession and exit
Valuation, due diligence and preparing the company for a sale, partnership or succession.
Systems and processes
ERP implementation, automated reporting and finance routines.
Governance and controls
Internal controls, approval limits, accountants and auditors.
Tailored solutions
Start-ups and scale-ups
Fundraising, cash management and long-term financial strategy.
SMEs and family businesses
Professional management, market expansion, M&A and systems implementation.
Exporters and subsidiaries of foreign groups
FX, trade finance, consolidation and reporting to headquarters.
How it works
Financial diagnostic
Two to four weeks, fixed scope and price: current position, risks, opportunities and action plan.
Monthly CFO
An agreed monthly commitment (days or hours) with regular meetings, reporting and target follow-up.
Specific projects
Fundraising, restructuring, M&A, systems or a new subsidiary, with a defined start and end.
Your CFO
Marcelo Gonçalves
Finance executive with more than 25 years in CFO and executive roles at multinational groups in Brazil, Europe and Canada. He combines strategic vision, financial discipline and international experience to turn numbers into decisions.
Frequently asked questions
What is a fractional CFO?
An experienced finance director who works for your company part-time — a few days a month or per project. You get senior-CFO level while paying only for the time you need.
How is it different from an accountant?
Accounting records what happened and handles tax compliance. A CFO uses those numbers to plan, decide and negotiate: cash, pricing, investments, banks and investors. We work alongside your accountant.
How is it priced?
The diagnostic has a fixed price. After that, usually a fixed monthly fee for the agreed commitment, or a fee per project. No surprises.
Do you help with fundraising?
Yes. We prepare forecasts, the pitch and the documentation, and support negotiations with banks, funds and investors.
How long do I need to commit?
From a few months to several years, depending on the goal. No long lock-in, and we can start in about a week.
Shall we talk about your company’s finances?
A first, no-obligation conversation to understand where you are.