Financial Reporting & Close
- Month-end close oversight and review
- Accurate, lender-ready financial statements
- KPI dashboards built around your business
- Monthly owner and board reporting package
Fractional CFO & Capital Advisory
CFO-level leadership, without the full-time hire.
Stonewood Advisors serves as the fractional CFO for founder-led and lower middle market businesses: accurate numbers, a forecast you can manage to, a lender relationship that works, and a finance partner in the room for every major decision.
- 01 Fractional CFO
- 02 Capital Advisory
- 03 Transaction Support
Fractional CFO
A seasoned finance leader in your business, for a fraction of the cost.
Most growing companies outgrow their bookkeeper long before they can justify a full-time CFO. We fill that gap. We own the finance function alongside you on an ongoing basis, so you get the discipline, reporting, and strategic judgment of a CFO, scaled to the size and stage of your business.
What your fractional CFO handles
Budgeting & Forecasting
- Annual budget and operating plan
- Rolling 13-week cash flow forecast
- Integrated three-statement financial model
- Scenario and sensitivity planning
Cash & Profitability
- Cash management and working capital
- AR, AP, and inventory discipline
- Pricing, margin, and product-line analysis
- Cost structure and overhead review
Banking & Capital
- Lender relationship management
- Covenant compliance and borrowing base reporting
- Refinancing and new credit facilities
- SBA and equipment financing
Systems, Controls & Team
- Accounting system setup and cleanup
- Internal controls and approval workflows
- Oversight of bookkeeping and accounting staff
- Coordination with your CPA on tax and audit
Strategy & Decision Support
- Capital expenditure and ROI analysis
- Growth, hiring, and expansion planning
- Acquisition and exit readiness
- Succession and ownership transition planning
When it makes sense
- You're making big decisions without timely, reliable numbers.
- Revenue is growing but cash always feels tight.
- Your lender is asking for better reporting, or covenants are getting close.
- The books are behind, inconsistent, or hard to trust.
- You're preparing for financing, an acquisition, a sale, or a succession.
- You need CFO judgment but not a full-time CFO salary.
Ways to engage
Ongoing
A monthly retainer with a set cadence of hours, reporting, and meetings. The core fractional CFO relationship.
Project
A defined scope with a clear deliverable: a budget, a financial model, a lender package, or a books cleanup.
Interim
Full CFO coverage through a transition, leadership vacancy, or critical event.
Advisory Services
For the moments that call for more than the monthly numbers.
Capital Advisory
Debt and equity strategy, lender negotiation, capital placement.
- Capital structure design
- SBA and conventional debt placement
- Lender packages and negotiation
- Credit and covenant review
Transaction Support
Acquisition, recapitalization, succession and restructuring support.
- Buy-side diligence and valuation
- LOI and deal structuring
- Recapitalization and succession
- Restructuring and turnaround
Strategic Advisory
Financial and operational structuring for growth and transition.
- Entity and ownership structuring
- Operational and reporting diagnostics
- Business plans for lenders and investors
- Growth and exit planning
Our Philosophy
Three convictions guide every engagement.
-
I
Capital should be structured to endure.
We favor durable structures over the cheapest money, so the business can weather a bad year as well as enjoy a good one.
-
II
Advice should be independent.
We aren't paid to sell a loan, a fund, or a deal. Our only interest is the right outcome for the owner.
-
III
Partnership should be long-term.
The best work comes from knowing a business over years, not just across a single transaction.
How We Work
A clear process, from first call to close.
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01
Understand
A confidential conversation about the business, the owners, and what needs to happen.
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02
Diagnose
We review the financials, structure, and obligations to find the real constraints and options.
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03
Structure
We build the plan, model, and capital structure, and prepare materials lenders and partners can act on.
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04
Execute
We take ownership of the work: monthly reporting, lender conversations, and deals, and stay in the seat as your finance partner.
Who We Work With
Owners, operators, and the capital behind them.
Founder-led businesses
Owners planning growth, a transition, or a first outside capital raise.
Lower middle market operators
Established companies that need institutional rigor without institutional overhead.
Private capital partners
Investors and searchers who need diligence, structuring, and operating insight.
Regional lenders
Banks and lenders who need credit analysis and borrower-side clarity.
Contact
Let's talk about what's next for your business.
Every engagement starts with a confidential, no-obligation conversation. Tell us a little about your situation and we'll follow up promptly.