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Fractional CFO · for growing businesses

The financial co-pilot your business has outgrown not having.

A 13-week cash forecast, board-ready reporting, and a steady hand on the big calls, from a licensed CPA who already knows your numbers. Fixed monthly price, month-to-month after a short start.

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★★★★★
5.0 from clients on Google
13-week cash forecastBoard-ready reportingA CPA, not a bookkeeper
A Blue Cloud fractional-CFO client
13-week cash On track
$418,200Projected low point, wk 9
Runway14 months
Tightest weekWeek 9
CFO-level, not data entry
13-week cash forecastYou see the low point coming
Board-ready reportingNumbers a lender or investor trusts
A CPA in the roomStrategy, not just a spreadsheet
Month-to-monthAfter a 3-month start, no lock-in
What a fractional CFO actually does

The financial questions a bookkeeper can't answer

Bookkeeping tells you what happened. A CFO tells you what to do next: whether you can afford the hire, when cash gets tight, what the right price is, whether the numbers are ready for a lender or a buyer. You get that judgment for a fraction of a full-time hire.

  • ✓Cash you can see comingA rolling 13-week forecast, so the tight weeks are a plan, not a surprise.
  • ✓The big calls, modeled firstHiring, pricing, financing, and the build-to-sell levers, run through the numbers before you commit.
Book a cash-clarity call
A Blue Cloud fractional-CFO client reviewing forecasts
✓
13-week forecastUpdated every month
●
KPI dashboardThe few numbers that matter
★
Monthly strategy callWith a CPA, not a junior
When it's time

Signs you've outgrown just a bookkeeper

13-week cash
$18,400
Low pointweek 9
✓Seen weeks early

Cash feels tight, unpredictably

You are profitable on paper but never sure the account will cover payroll and the tax bill.

Hire a manager?
Added cost-$96k
Breakevenmonth 5
Modeled before you commit
✓Modeled first

You're making bigger decisions

A hire, a location, a price change, a line of credit, and you want the numbers run first.

Investor pack
P&L + balance sheet✓
Forecast✓
Key metrics✓
✓Board-ready

Someone wants real reports

A bank, an investor, or a buyer is asking for financials your current books cannot produce.

Runwayon plan
14 mo
✓Get a plan

You're flying without a plan

No forecast, no targets, just last month's bank balance and a gut feel about the rest.

Pricing

Clear monthly pricing, no lock-in after the start

Start with a diagnostic, then a monthly tier that fits your size. A 3-month minimum to do it right, then month-to-month.

13-Week Cash Map
Start here
$995
  • A 13-week cash forecast built for you
  • The few KPIs that actually move your business
  • A written plan + a working session
  • Credited toward an ongoing tier (refundable)
Book the Cash Map
Quarterly
Light-touch oversight
from $495/mo
  • Quarterly strategy session
  • Forecast refreshed each quarter
  • KPI dashboard maintained
  • A CPA on call between sessions
Get a quote
Foundation
Most growing businesses
from $1,750/mo
  • Monthly strategy call + reporting
  • Rolling 13-week cash forecast
  • KPI dashboard + variance review
  • The big-decision models when you need them
Get a quote
Growth
Scaling or raising
from $3,500/mo
  • Everything in Foundation
  • Board-ready reporting + lender/investor packs
  • Deeper modeling (scenarios, unit economics)
  • More time, faster turnarounds
Get a quote

Bigger mandate? The Strategic tier runs from $6,500/mo for businesses that want a CFO close to full-time. A one-off CFO session is $695, ad-hoc advisory is $395/hr, and cross-border adds 20-25%.

Clean, current books are a prerequisite (we can get you there first). A 3-month minimum start, then month-to-month. We never promise a number of hours; the deliverables and outcomes are what we commit to.

A fraction of the cost

CFO judgment, without the full-time salary

Most growing businesses need the thinking, not a $200k hire on the payroll. Here is what each one costs you.

The full-time hire

A CFO on payroll

More capacity than most growing businesses need, at a salary to match.

  • Base salary$180k to $250k
  • Benefits, bonus, payroll tax+25 to 35%
  • Recruiting and a 3-month rampmonths lost
  • A CPA who knows your booksnot day one
  • Right-sized to your stagerarely
All in, per year~$220k+
VS
Blue Cloud fractional CFO

The judgment, not the headcount

The forecast, the reporting, and the big calls, sized to your stage.

  • Rolling 13-week cash forecastincluded
  • Board-ready reporting + KPIsincluded
  • The big-decision modelsincluded
  • A CPA who already has your booksincluded
  • Month-to-month after the startincluded
Fixed monthlyfrom $1,750

Most growing businesses need CFO judgment, not a full-time salary. You get the forecast, the reporting, and the big calls for a fraction of the cost, from a CPA who already knows your numbers.

How we work

No hours sold, no lock-in

We don't bill by the hour or tie you to a year. We commit to the forecast, the reporting, and being in the room, written into a simple monthly engagement.

  • Books first, or not at allA forecast is only as good as the numbers underneath. If the books aren't clean, we say so and fix that first, rather than forecasting on sand.
  • One price, no lock-inA flat monthly fee for your tier, quoted up front. A 3-month start to build the foundation, then month-to-month.
  • Outcomes, not hoursWe never sell you a number of hours. We commit to the forecast, the reporting, and being in the room for the decisions that matter.
Monthly EngagementBlue Cloud CPA
What we commit to

The 13-week forecast, board-ready reporting, and a CPA in the room for the big calls. Month-to-month after the 3-month start.

Yarik Yarosh
CPA (US · Canada)
✓Signed
✓No lock-in
✓Outcomes, not hours
Who you work with

A CPA who has run finance functions

Yarik Yarosh, CPA, fractional CFO
Licensed CPAUS + Canada
Run finance functionsNot a junior analyst

Your forecast and the big calls are made with Yarik Yarosh, a CPA licensed in both the United States and Canada who has actually run finance functions, not a junior analyst working off a template. He has guided companies back from the edge of bankruptcy to successful exits, and helped others double or triple in a short span. Because the same firm also keeps your books and files your taxes, every forecast sits on numbers we already trust, with cross-border handled in-house when you need it.

LicensureCPA (US) · CPA (Canada)
MembershipsAICPA · CPA Canada
FirmFlorida-licensed CPA firm
ProfileLinkedIn
Real work

What that looks like in practice

Services · cash crunch

The tight week, seen weeks early.

A growing services firm kept getting surprised by payroll weeks. A rolling 13-week forecast turned those into a plan, with a small line of credit sized correctly instead of in a panic.

✓
ResultNo more payroll scares, and financing arranged on calm terms.
SaaS · fundraise-ready

Numbers a board could trust.

A founder needed reporting an investor would take seriously: clean metrics, a defensible model, and a runway number that held up to questions.

✓
ResultA board-ready pack and a model that survived diligence.
E-commerce · margin fix

Profit hiding behind revenue.

Sales were up but cash was not. Unit-economics work found the products and channels that actually made money, and the ones quietly losing it.

✓
ResultA repriced lineup and a real margin where there had been guesswork.

Client engagements of the firm. Details anonymized.

What clients say

Owners who finally know their numbers

G★★★★★ 5.0 from clients on Google
★★★★★

"The 13-week forecast paid for the plan the first time it kept us out of a cash crunch we never saw coming."

Sample client
Services firm
★★★★★

"Finally numbers a lender takes seriously. We got the line of credit approved on calm terms instead of in a panic."

Sample client
Growing company
★★★★★

"A CPA in the room for the big calls, not a junior analyst. The hire was modeled before we committed to it."

Sample client
E-commerce brand

Sample layout. Real client reviews drop straight into this section once collected.

How it works

From a diagnostic to a monthly rhythm

June2026
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Cash-clarity call
Tue · 10:00 AM
Thu · 2:00 PM
Book now

A cash-clarity call

Fifteen minutes. We show you what a CFO would flag in your numbers, and whether it's time.

13-week cashCashP&L
wk 9low point
✓On track

Your forecast, built

A 13-week cash forecast and the KPI dashboard that matter, refreshed from your books each month.

Yarik Yarosh, CPA
Your CPA
Yarik Yarosh, CPA
✓Monthly call

A monthly rhythm

A standing strategy call with a CPA, a variance review, and the forecast rolled forward, every month.

Hire a manager?MODEL
Added cost-$96k
Breakevenmonth 5
Decisionclear
✓Modeled first

The big calls, modeled

A hire, a price, a raise, or a sale, run through the numbers first so you decide with them in front of you.

Questions owners ask

Honest answers, up front

How is a fractional CFO different from my bookkeeper or accountant?
A bookkeeper records what happened; a tax accountant files the return. A CFO looks forward: cash, forecasting, pricing, financing, and the big decisions. We do all three under one roof, so the forecast is built on books we trust and a return we file.
What does it cost?
A 13-Week Cash Map is $995 (credited toward an ongoing engagement). Monthly tiers run from $495 (Quarterly) and $1,750 (Foundation) to $3,500 (Growth) and $6,500 (Strategic). All fixed, quoted before we start.
Do I have to sign a long contract?
No. We ask for a 3-month start so there is time to build the forecast and reporting properly, then it is month-to-month. No annual lock-in.
Do my books need to be clean first?
Yes. A forecast is only as good as the books underneath it. If yours are not current, we will get them there first (or fold bookkeeping in), rather than build on bad numbers.
Is this a real CPA, or an analyst?
Your strategy calls and the judgment are with a licensed CPA. The numbers are built to a professional standard, and the person advising you has actually run finance functions.
How do we start?
A free cash-clarity call to see if it is a fit, then the Cash Map. You will have a real forecast in hand before committing to anything ongoing.
Not sure if it's time yet?A free call will tell you what a CFO would flag first.
Book a cash-clarity call

Let's get clarity on your cash

A free call with a CPA. We will tell you honestly what a CFO would flag in your numbers, and whether it's time.

  • ✓A free cash-clarity call with a CPA
  • ✓An honest read on what to fix first
  • ✓A fixed monthly price, no lock-in
  • ✓No payment until after the call
A CPA in the room, not a junior analystYour forecast and the calls are with a licensed CPA who has run finance functions.
13-week forecastFixed monthlyMonth-to-month

Book a cash-clarity call

Two quick steps, then pick a time. A short call with a CPA.

No payment until after the call. Prefer the phone? 786-952-6621

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