Budgeting & Forecasting
Annual operating budgets and rolling 13-week and 12-month forecasts pinned to your real cost drivers: headcount, pipeline, churn, payment terms. Not last year's numbers plus a percentage.
Fractional CFO & FP&A ServicesA finance function you can finally rely on.
Budgeting, forecasting, board reporting, and cash management for founders who have outgrown spreadsheets but are not ready for a $250K/year head of finance. Run on a monthly retainer by a former Big 4 advisor.
20 minutes with Gabriel. No sales rep, no deck, no obligation.
Client trust signals
“We felt he was part of the company and his work reflects this.”
“He always completes them professionally, on time and exceeds expectations.”
Trusted by 500+ growth-driven startups and small businesses
What's included in your monthly retainer
FP&A as a Service
Everything a full-time head of finance would own, delivered in one monthly cadence and run by me.
Monthly Board Packs
Investor-grade monthly board reporting: revenue and gross-margin walk, burn and runway, KPI scorecard, commentary on what moved and why. The same structure your VCs already expect.
KPI Dashboards
Live KPI dashboards covering MRR/ARR, CAC, LTV, payback, net revenue retention, gross margin, sales cycle and pipeline coverage, tied directly to the model, so the dashboard and the board pack always show the same numbers.
Cash Flow Management
Weekly cash reviews, AR/AP discipline, runway projections under multiple hiring and revenue scenarios, so you never get surprised 30 days before a raise.
Scenario Planning
Base, best and worst cases for hiring, pricing changes, churn shocks, fundraising delays. I model the decisions ahead of time so you can act in days, not weeks.
Variance Analysis
Monthly variance analysis: actuals vs. budget vs. forecast, by line and by driver. Every material variance comes with the operational reason behind it, so the next forecast gets better.
Fractional CFO or fractional FP&A?
Honest question, honest answer.
CFO work
Capital strategy, fundraise timing, pricing, the build-or-buy call, the conversation with the board.
FP&A work
The close, the forecast, the variance analysis, the board pack. The numbers those decisions stand on.
A fractional CFO without an FP&A function presents opinions. An FP&A function without CFO judgment produces reports nobody acts on.
Under roughly $30M of revenue you rarely need two people for this. You need both jobs done by one person, a few days a month. That is what this retainer covers. When a board meeting needs a finance voice in the room, I attend. When a lender wants a 13-week cash flow, I build it and I defend it.
If you searched for fractional CFO services and landed here, you are in the right place. The label matters less than the deliverables, and the deliverables are listed above.
For the "too big for spreadsheets, too small for a full-time CFO" stage
An outsourced FP&A function pays back fastest in the window where finance complexity outruns your bandwidth and a permanent hire would still be six months from useful.
Seed to Series B companies
Revenue between $0.5M and $30M ARR. Past the spreadsheet-only stage, not yet ready for a $250K/year head of finance. The exact window where fractional FP&A pays for itself in the first quarter.
Founders without a CFO
You are the CEO, the head of sales, and, until now, the head of finance. I become your outsourced finance function so you can stop reconciling QuickBooks at midnight and go back to running the company.
Companies outgrowing spreadsheets
Your model used to fit on one tab. Now you have 14 sheets, three definitions of "revenue," and a board meeting in two weeks. I redesign it as one auditable source of truth and run it for you.
Two weeks of setup, then a monthly cycle
A predictable monthly process, not a one-off project. From week one I own the close, the forecast, and the board narrative.
Onboarding Weeks 1-2: Diagnostic and financial baseline
This stage needs you in the room. We connect to your accounting system, establish a clean historical baseline, document your real revenue model and cost drivers, and align on the KPI scorecard your board cares about. By the end of week 2 you have a working monthly model, a defined chart of accounts, and a calendar of recurring deliverables.
Monthly cadence Ongoing: a predictable monthly loop
Every month: actuals close, then variance analysis, then an updated 12-month forecast, then the board pack, then live KPI dashboards. Mid-month I run a cash and runway review. Quarterly I re-baseline the budget and stress-test the plan against new market data. Async-first, with a standing 30-minute working call.
Deliverables What lands in your inbox each month
A board-ready PDF/slide pack, the updated three-statement model, the cash flow tracker, the KPI dashboard, and a written executive summary covering what changed, what worked, what didn't, and the three decisions you should make next month. Everything is documented so your team can reuse it.
Priced as a retainer, not as a project: from $1,499/mo
Fractional CFO and FP&A pricing without the guesswork. The $1,499/mo starter covers early-stage companies on a single-entity, single-board cadence. Larger engagements, multi-entity, deeper investor reporting, multiple board audiences, are sized to the complexity of your finance function: entities, ARR, headcount, reporting frequency. You see the monthly number before any work begins.
Starter
$1,499/mo
Monthly close, forecast, KPI dashboard, board pack. Best for under $2M ARR.
Growth · Most common
Custom
Everything in Starter plus scenario planning, fundraise prep, weekly cash reviews.
Embedded
Custom
Acting head of FP&A: investor reporting, board attendance, multi-entity rollups.
Three-month minimum, month-to-month after. I quote the exact monthly figure on your free strategy call.
Big 4 standards without the Big 4 invoice
Credibility with banks and investors
Banks, investors and buyers recognize Big 4 structure instantly. Models and reporting built to those standards reduce diligence friction, whether you are borrowing, raising, or one day selling.
500+ engagements of pattern matching
Across SaaS, services, manufacturing, energy and crypto. I know the operating ranges by heart. A broken assumption gets flagged on first read, not after days of rework.
Senior judgment, not junior hours
You work directly with me: senior advisor and consultant inside two of the Big 4 at the start of my career, not a junior analyst billing in 15-minute blocks. Decisions land in the working call, not in week-three follow-up emails.
Client Testimonials
79+ verified reviews
Selected testimonials from the 79+ verified reviews shown on the homepage, founders and finance teams who treat Gabriel as their ongoing finance function, not a one-off vendor. Identities protected by NDA.
Verified
Amazing experience working with Gabriel. Extremely attentive to detail. He took his time to understand our project and he spent hours providing feedback for improvements. We felt he was part of the company and his work reflects this. Will definitely keep working with Gabriel long-term.
Verified
Exceptional as always, this is my 5th or 6th project with Gabriel and everyone one has been a smooth and efficient process with no delays. Have already engaged with him for another contract.
Verified
I have had the pleasure of working with Gabriel on previous projects, and I am certain that this collaboration will continue in the future. It is truly remarkable to have a reliable and trustworthy partner like him by my side. [...] Gabriel's commitment to delivering results on time and within budget is truly commendable.
Verified
This marks the fourth or fifth collaboration with Gabriel. I endorse him for his exceptional quality outputs, valuable insights, and readiness to engage. Should you seek a person who will manage your project with utmost expertise and dedication, Gabriel is the choice to make.
Verified
Absolutly perfect as usual. This is my 4th or 5th project with Gabriel and he gets better every time. On time, professional. Accurate and reliable. I'll be back soon I'm sure.
Verified
Amazing work as always, this is my 3rd or 4th the project with Gabriel and he always completes them professionally, on time and exceeds expectations. This was no different and I look forward to the next project.
Verified
Gabriel is truly an asset to our team and our projects. Much of what we do could not be accomplished without his work.
Verified
Gabriel delivers unparalleled management consulting with actionable insights and consistently high-quality work; his availability and commitment are unmatched.
Verified
Gabriel's expertise is nothing short of extraordinary. His proficiency in every task, coupled with a deep understanding of our organizational needs, has made him an indispensable asset. [...] Gabriel consistently exceeds expectations, demonstrating a level of skill and dedication that is truly commendable.
Verified
Gabriel is an exceptional management consultant with unparalleled strategic insights, highly recommend for transforming your business operations and achieving scalable growth.
Verified
His management consultation and analysis of financial topics has been tremendous help. I will be sure to book him again for future strategic business consultations.
Verified
He's a very good professional with great skills and amazing quality in his work. He's always available to help with any situation and our communication was flawless! I strongly suggest choosing Gabriel for your next project!
Gabriel I. Simion
You work directly with meOutsourced finance function for founders who have outgrown spreadsheets but are not ready to hire a $250K/year head of finance. The monthly close, the rolling forecast, the board pack, the KPI dashboard: I own all of it. No rotating analyst bench, no handoffs to people you didn't hire.
- Big 4 trained: senior advisor and consultant inside two of the Big 4 firms
- 500+ engagements delivered: budgets, forecasts, board packs, KPI dashboards
- Direct client work. No analyst hand-off, no 15-minute billing increments
- Sectors: SaaS, services, manufacturing, energy, crypto
Two ways to start
Talk it through, or send me your existing model. Either path puts you in front of me inside a business day.
Free Strategy Call
20 minutes with GabrielBring the question: scaling the finance function, prepping for a raise, fixing a forecast you don't trust. Walk away with a clearer next step.
Free Model Review
Send your modelShare your current model or board pack. I review the assumptions, structure and outputs, and reply with the three changes that matter most.
Questions I get on every first call
Pricing, scope, and the bookkeeper-vs-CFO question come up almost every time. Short answers below, longer answers on the call.
What does a fractional CFO cost?
Full-time CFOs run $250K a year and up before equity. Fractional engagements in the market run roughly $3,000 to $12,000 per month depending on scope. My retainers start at $1,499/mo for early-stage companies, and you see the exact figure before any work begins.
Do I need a fractional CFO or a bookkeeper?
Both, and they are different jobs. Your bookkeeper or accountant records what happened and keeps you compliant. I take those records and turn them into forecasts, board packs and decisions. I work with your existing accountant, I do not replace them.
How many hours a month do I get?
The retainer is scoped on deliverables, not hours: the close, the forecast, the board pack, the dashboards, the working call. If a fundraise or a board crisis needs more of me in a given month, you get more of me. That is what a retainer is for.
Can you start before our next board meeting?
If the meeting is at least two weeks out, yes. The diagnostic and baseline take the first two weeks, and a board pack is usually the first deliverable out the door.