Fractional CFO, DTC / Subscription Ecommerce

Overview

This fractional CFO role is hands-on and end-to-end: owning the organization’s finances from cash flow and payments to monthly close, taxes, forecasting, budgeting, and credit facilities that fund growth. The role supports about 1–2 days a week (approximately as needed) and is fully remote.

The organization generates $50M+ in annual revenue and is scaling to $100M+. Responsibilities focus on preventing financial surprises while ensuring the books close on time each month, payments and filings are accurate and on schedule, and credit lines remain well-managed.

Responsibilities

• Own cash flow and forecasting, including maintaining a current 13-week cash flow weekly and identifying the cash trough.
• Time supplier, purchase order (PO), freight, and other payments to align with the cash plan.
• Run and manage the monthly close process with an outside bookkeeper, including reviewing the P&L against budget with the CEO.
• Ensure all payments are correct and executed on time, including:
  • Contractor pay (twice a month)
  • Supplier and freight bills
  • Software and card expenses
  • Affiliate and creator payouts
• Forecast subscriptions, subscription cohorts, and the cash conversion cycle; flag risks or variances to plan the week they appear.
• Manage sales tax and corporate tax filing processes in coordination with the CPA; ensure all filings are correct and submitted on time.
• Own financial reporting and ensure accurate monthly finance updates, including a monthly finance report to the CEO.
• Manage credit and capital strategy, including:
  • Growing credit lines
  • Setting up and managing an asset-based lending facility
  • Ensuring the next two quarters of POs are funded
• Maintain strong controls and audit readiness, including:
  • Two-person approval on every payment
  • Monthly reconciliations across accounts
  • Ensuring the books are audit-ready
• Maintain and manage bank and lender relationships; keep lender reporting clean.
• Support controls, structure, and automation for finance operations (AI finance stack and automations), including ownership of finance agents and related workflows.
• Manage currency exposure on supplier payments (RMB, USD, CAD), as applicable.

Outcomes (Success Looks Like)

• Cash flow, subscriptions, and the cash conversion cycle are projected clearly with no surprises (projections vs. actuals) and cash does not fall below the minimum balance.
• Books are accurate and closed on time each month, with no corrections needed after CEO P&L review.
• Contractors, bills, and payouts are paid correctly and on time.
• Fixed costs remain within budget (monthly fixed costs vs. budget).
• Credit and capital are sufficient to fund growth, including credit availability vs. cash needed for the next two quarters of POs.
• Money is controlled and books are audit-ready, with second approvals on payments and monthly account reconciliations.

Requirements

• Finance leadership experience: CFO or VP of Finance for at least one DTC ecommerce brand doing $30M+ a year.
• Hands-on execution: ability to run the work end-to-end (not only advise), including:
  • 13-week cash flows
  • Monthly closes with an outside bookkeeper
  • Contractor and supplier payments handled directly
• Ecommerce finance experience, including reconciliation of Shopify and Amazon payouts and understanding nCPA, MER, LTV, COGS, and inventory cash cycles.
• Strong forecasting capability, including cash flow, subscription cohort, and cash conversion cycle projections that hold up against actuals.
• Credit and capital experience: set up and/or managed an inventory- or receivables-backed credit facility and kept lenders confident with clean reporting.
• Tax and controls:
  • Sales tax experience alongside a CPA
  • Experience running one clean payment process with approvals and reconciliations
• Attention to detail: ability to catch wrong amounts, duplicate payments, and missed filings before money moves.
• Discretion and trustworthiness with contractor pay, bank access, and owner finances.
• Responsiveness when cash or payment issues arise, even outside the scheduled days.
• Fluent in English.
• Strong cultural fit with the role’s values (speed, accountability, data-driven decisions, and a focus on improving close, forecasting, payments, and filing processes).

Preferred Qualifications

• Experience with an inventory-heavy brand importing from China.
• Cross-border experience (e.g., US and Hong Kong).

Compensation & Benefits

• USD $7,000 to $10,000 per month, paid as a retainer for about 1–2 days a week (approximately as needed).

Location

• Fully remote.