Fractional CFO

Overview

This role is for a hands-on Fractional CFO to take ownership of end-to-end financial operations for a profitable DTC pet products brand. Work is approximately 1–2 days per week (about 1–2 days a week approx. as needed), ongoing, as a contractor.

The organization generates $50M+ in annual revenue and is scaling to $100M+. Responsibilities include running cash flow, managing the monthly close process, overseeing payments and tax compliance, budgeting, and owning credit lines that fund growth.

Responsibilities

• Own finance operations end to end, including:
  • Cash flow and forecasting (keep a 13-week cash flow current weekly, including before the Monday leadership meeting)
  • Monthly close process (close the books on time with an outside bookkeeper)
  • Payments management (contractor pay, supplier and freight invoices, software/card expenses, and affiliate/creator payouts)
  • Tax compliance (sales tax and corporate tax filing coordination with the CPA)
  • Budgeting and financial planning (set and track annual and monthly budgets)
• Provide weekly and monthly financial reporting:
  • Share the cash picture with leadership and flag cash risks or plan deviations when they show up
  • Send the CEO a monthly finance report and review P&L vs budget with the CEO
• Manage subscriptions and cash conversion performance:
  • Project subscriptions, subscription cohorts, and the cash conversion cycle
  • Ensure projections hold up against actuals (track projections vs actuals)
• Oversee credit and capital strategy:
  • Grow credit limits and lines
  • Set up and run an asset-based lending facility to ensure the next two quarters of purchase orders are funded
  • Own lender relationships and keep lenders confident with clean reporting
• Maintain financial controls and accounting readiness:
  • Implement and manage two-person approvals on every payment
  • Ensure monthly reconciliations for every account
  • Keep books audit-ready
• Coordinate operational details for payments and compliance:
  • Time supplier and PO payments according to the cash plan and identify the cash “trough”
  • Ensure all payments and filings are correct and on time

Outcomes (Success Looks Like)

• Clear, accurate cash flow, subscription, and cash conversion cycle projections (projections vs actuals; cash never below the minimum balance)
• Books close on time each month with no post-P&L-review corrections needed after the CEO review
• Contractors, bills, and payouts are paid correctly and on time
• Fixed costs stay within budget (monthly fixed costs vs budget)
• Credit and capital are sufficient to fund growth (credit available vs cash needed for the next two quarters of purchase orders)
• Financial controls keep records audit-ready (second approval for each payment; all accounts reconciled monthly)

Requirements

• Finance leadership experience: CFO or VP of Finance for at least one DTC ecommerce brand doing $30M+ a year
• Hands-on operational ownership:
  • Experience running 13-week cash flows
  • Experience running monthly closes with an outside bookkeeper
  • Experience personally managing contractor and supplier payments
• Ecommerce finance expertise:
  • Reconciliation of Shopify and Amazon payouts
  • Understanding of nCPA, MER, LTV, COGS, and inventory cash cycles
• Forecasting strength:
  • Ability to build cash flow, subscription cohort, and cash conversion cycle projections that hold up against actuals
• Capital and lender experience:
  • Experience setting up or managing an inventory- or receivables-backed credit facility
  • Experience keeping lenders confident through clean reporting
• Tax and controls:
  • Sales tax experience alongside a CPA
  • Experience running a clean payment process with approvals and reconciliations
• Detail orientation:
  • Ability to catch incorrect amounts, duplicate payments, and missed filings before money moves
• Trust and responsiveness:
  • Discreet and trustworthy with contractor pay, bank access, and owner finances
  • Responsive when a cash or payment issue comes up, even outside set days
• Communication:
  • Fluent in English
• Cultural fit with a hands-on, fast-moving team and values centered on accuracy, speed, smart work, and overdelivering

Preferred Qualifications

• Inventory-heavy brand experience, including importing from China
• Cross-border experience (e.g., US and Hong Kong)
• Experience managing currency exposure on supplier payments (RMB, USD, CAD)
• Experience owning an “AI finance stack” approach, including finance automations and agents

Compensation & Benefits

• USD $7,000 to $10,000 per month, as a retainer for about 1–2 days a week (contractor, invoiced monthly)

Location

• Fully remote