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CFO Advisory

When is the right time to hire a fractional CFO?

Arjun MalhotraManaging Partner · 8 Sept 2026 · 5 min read

Five signals that your business has outgrown founder-led finance, and what a fractional CFO actually does in the first ninety days.

Most companies hire their first CFO a year too late. The signals are usually visible long before the crisis.

Five signals

Board packs are late. The bank asks questions nobody can answer. You are planning a raise. Gross margin is moving and nobody knows why. Your accountant is doing strategy at midnight.

The first ninety days

A fractional CFO typically spends the first month on a diagnostic, the second on fixing the close and reporting, and the third on the plan and the board.

Hire for judgement first. The full-time seat can come later.

The cost question

Two to eight days a month of senior judgement costs a fraction of a full-time executive, and comes with an analyst team behind it.

Want this applied to your numbers?

Book a 45-minute strategy session with Arjun.

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