CFO & Advisory
Virtual CFO services, budgeting, forecasting, and management reporting — senior-level financial judgment, without the cost of a full-time hire before you actually need one.
Most Businesses Don't Fail From A Lack Of Sales.
82% of small business failures are linked to poor cash flow management, not a lack of customers or revenue. Profitable businesses run out of cash at the worst possible time, because no one was watching the gap between money earned and money in the bank. The businesses that get caught out usually have steady sales — they just never had someone translating the numbers into a decision before it was too late.
The full scope of CFO work, handled end to end.
Here's exactly what that looks like handled properly:
Built for businesses that need financial judgment, not just financial data.
Accounting & CPA firms
White-label virtual CFO support for your international clients, delivered under your own brand.
Businesses outside India
Direct CFO advisory for businesses outside India that have outgrown a bookkeeper but aren't ready for a full-time hire.
If you already have a full-time CFO or finance director in place who's actively forecasting and managing cash flow, you likely don't need this — a lighter advisory retainer for a second opinion would serve you better.
The Numbers Behind Why This Matters.
This isn't a regulatory checklist — it's what the data actually shows about why cash flow judgment matters more than most businesses assume.
Cash Flow Failures
82% of small business failures are linked to poor cash flow management, according to the widely-cited U.S. Bank study by Jessie Hagen — not a lack of sales or a bad product.
Uneven Cash Flow
51% of small businesses cite uneven cash flow as a recurring financial challenge, per the Federal Reserve's Small Business Credit Survey.
Loan Denials
Insufficient cash flow or revenue is cited as a reason for loan denial or partial funding in roughly a third of cases — one of the top three reasons financing falls through.
Operating At A Loss
A meaningful share of small employer firms report operating at a loss or merely breaking even in a given year, even while staying open.
A documented process, from scoping to your first forecast.
Click a step to see how it works.
Free consultation
We learn your current financial visibility, cash position, and biggest pressure points.
Scope & proposal
A clear list of deliverables, reporting cadence, and areas of focus.
Secure onboarding
NDA signed, access set up, current financials reviewed for the real picture.
Reporting & advisory
Forecasts, management accounts, and proactive advisory delivered on a set cadence.
The advantage isn't that we can build a forecast. It's that we already hold the books it's built on.
Plenty of advisors can build a spreadsheet from numbers you hand them. What's harder to find is a CFO practice sitting inside the same team that keeps your books, so the forecast is built on numbers that are actually current, not a month-old export. That's the real difference between hiring a consultant and partnering with a team that already knows your business.
Pricing depends on scope, not guesswork.
Complexity
Revenue, entity count, and reporting needs.
Involvement
Advisory-only vs. hands-on cash management.
Frequency
Monthly, quarterly, or ongoing cadence.
There's no flat rate that fits an early-stage business and a multi-entity group the same way, so we don't pretend there is. Most engagements are scoped and quoted on the first call, not after weeks of back-and-forth.
Why not just hire a full-time CFO?
A fair question — here's how the trade-off actually looks.
Full-Time CFO Hire
Partnering with Corptiva
Case studies from this practice.
Catching a six-week cash gap before it became a missed payroll
What proactive cash flow forecasting looks like when a growing business is profitable on paper but tight in the bank account.
Fluent in the tools you already use.
What clients usually ask.
Yes — reports tell you what happened. This practice is about forecasting what's coming and flagging decisions before they become emergencies.
Either — some clients pair this with our Accounting & Finance practice, others use CFO Advisory alongside their own bookkeeping team.
Cadence is agreed during scoping — most engagements include a standing monthly review at minimum.
Yes, this is a common reason businesses engage this practice.
Tell us on the first call — engagements can be prioritized when there's real time pressure.
Both — the scope and cost simply adjust to match your stage and complexity.
One call to see if we're the right fit — no pitch, no pressure.
Tell us what you're dealing with — messy books, a firm outgrowing its bandwidth, a market you haven't worked in before. We'll tell you honestly whether Corptiva is the right partner for it.