Make Eight-Figure Decisions With Real Numbers.
Fractional CFO services for $1M–$50M revenue businesses that have outgrown a bookkeeper but aren’t ready for a $250K full-time hire.
A bookkeeper tells you what happened. A CFO tells you what to do next. We embed senior finance leadership at a fraction of the cost — cash flow forecasting, unit economics, fundraising prep, pricing strategy, and the monthly operating rhythm that turns founders into operators.
Based in Fort Lauderdale. Serving Florida, US, and international founders.
- $50M+ identified in client savings
- 21,700+ returns filed
- 500+ five-star reviews
- 98% client retention
At $1M+ Revenue, Gut Feel Becomes Expensive.
The decisions change as you scale. A bookkeeper tells you what your sales looked like last month. A controller closes the books. A CFO decides whether to hire the sales rep, whether to raise prices, whether to take the SBA loan, whether to accept the acquisition offer. Without that layer, founders make eight-figure decisions on a mix of instinct and Saturday-night spreadsheets.
You don’t need a full-time CFO at $250K/year. You need senior finance leadership embedded in your business, with a fraction of the cost and all of the decision horsepower. How many eight-figure decisions can you afford to make on instinct?
Book a Fractional CFO CallA business can grow itself into insolvency. Payroll, inventory, and AR grow faster than cash comes in, and by the time the P&L shows stress, the bank balance is already in the single digits. A CFO sees it coming 90 days out.
Most founders leave pricing on the table for years. Unit economics, elasticity, and positioning data get lost in the weeds — a CFO runs the math and makes the call backed by numbers, not anxiety.
Investors and banks ask for 3-statement models, cap tables, and a defensible forecast. DIY versions get rejected. A CFO builds the model, tells the story, and coaches the founder through the room.
Cash burn, runway, gross margin, CAC, LTV, CAC payback — the metrics that actually matter at scale rarely show up on a QuickBooks P&L. A CFO builds the dashboard.
Clean financials, clean tax returns, and clean KPIs increase sale multiples by 20–40%. Most founders start cleaning up 6 months before the data room. Too late.
Your accountant answers tax questions. A CFO answers business questions, with financial discipline baked in. The two are not the same hire.
Built in South Florida, by real tax pros.
SMAART Company was founded by Ray Dominguez to be the back office for small and mid-sized businesses — accounting, tax, and CFO-level strategy under one roof.
Fractional CFO work is the natural endpoint: clients who start with bookkeeping outgrow it, ask for strategy, and want senior finance leadership without hiring a $250K executive. We built the fractional CFO practice to fit exactly that seat.
Today, our fractional CFO clients include service agencies, e-commerce brands, SaaS startups, restaurants, and multi-entity holding structures. Over $50M in total identified client savings. 98% retention across the whole practice because the numbers keep earning their keep.
A few faces from the team.
Senior finance leaders, IRS Enrolled Agents, and corporate accountants who’ve sat in CFO seats at companies from $2M to $100M+ in revenue. You work with the same CFO every month, backed by the firm’s full accounting and tax team.
- Credentials
- EA · USTCP · RIA
- Languages (6)
- EN · ES · FR · HT · PT · IT
- Combined experience
- 20+ years
- Home office
- Fort Lauderdale, FL
If your books only tell you what happened, you’re already behind. Real accounting shows you what to do next.
Operations is where strategy either works or quietly falls apart. We make sure the work actually happens on the dates we promised.
Your P&L should tell the truth every single month, not once a year when it’s already too late to act on it.
Plus controllers, FP&A analysts, and corporate accountants across our Fort Lauderdale office.
Florida-based. Global operators.
Our fractional CFO engagements run remotely via monthly / bi-weekly strategy sessions and on-demand advisory. Clients in Florida, 30+ US states, and several countries. One CFO assigned, same face every call.
Fractional CFO Work for Real Founders.
Across our client base we’ve identified over $50M in savings, earned 500+ five-star reviews, and maintain a 98% retention rate. Here’s what CFO-level work looks like in practice.
“Our bank bounced two rounds of financials before we came to SMAART. They rebuilt the 3-statement model, reconciled 18 months of books, and walked us through the SBA package. Approved at $1.2M in 45 days.”
“We were pricing on gut feel and our gross margin was bleeding. SMAART ran the unit economics SKU-by-SKU, killed three products, and reset pricing on the winners. Margin up 28 points in two quarters without losing the customer base.”
“Our pitch deck and cap table were not investor-ready. SMAART built the 3-statement model, ran scenario analysis on the cap table, and coached us through the room. Term sheet in 8 weeks, $6M closed the following quarter.”
“We were about to hire a $140K operations director because our same-store sales looked off. SMAART built a monthly board deck, dug into the unit economics per location, and showed the real problem was ticket mix — not management. Fixed it without the hire.”
Trusted by Founders Across the US.
507 five-star Google reviews. Founders and operators who swapped a full-time finance hire for senior fractional CFO leadership.
“Ray and his staff are worth every penny I spent. Thank you Ray for saving me so much money on my taxes.”
“Lisa’s professional and efficient approach has been invaluable in helping us clarify doubts, find solutions, and make strategic decisions. Her dedication and expertise make a real difference.”
“Lisa is very knowledgeable, easy to work with, and tries her best to find ways to save you money when possible.”
“Especially Lisa and Katie. I’ve known them for so many years. They are very professional and knowledgeable. They know what they’re doing, and I’m very happy to be their client.”
Built for Growth, Decisions, and Clean Exits.
Senior finance leadership embedded in your business, priced to make sense at $1M–$50M in revenue.
Or call (305) 819-3675 to talk with our team today.
Financial Strategy & Forecasting
Three-statement model (P&L, balance sheet, cash flow), 13-week cash forecast, annual budget, and the monthly variance conversation that keeps founders honest.
- 3-statement financial model
- 13-week rolling cash forecast
- Annual budget + monthly variance reviews
Pricing, Unit Economics & KPIs
Gross margin analysis by product / service, CAC / LTV modeling, pricing strategy, and a KPI dashboard that tells you what’s working — and what to kill.
- Unit-economics and pricing analysis
- CAC, LTV, payback modeling
- Monthly KPI dashboard
Fundraising & Loan Readiness
Investor-grade financial models, cap tables, SBA loan packages, and founder coaching through the room. We sit in the call with you when it matters.
- Investor-grade 3-statement models
- Cap table and scenario analysis
- SBA / bank loan package prep
Exit & M&A Advisory
Quality-of-earnings prep, due-diligence room setup, multiple optimization, and coordinated tax planning with our corporate tax team so the sale actually nets what the headline says.
- Exit-readiness financial cleanup
- Due-diligence and QofE prep
- Tax-coordinated M&A structuring
Built for Founders at the CFO Threshold.
Our fractional CFO clients are typically $1M–$50M in revenue, past a bookkeeper’s range, and not yet ready for a full-time finance executive.
Not sure if a fractional CFO is the right hire? Book a free 30-minute call and find out.
Book a Fractional CFO CallService agencies at $1M–$20M in revenue.
E-commerce brands scaling past solo founder capacity.
SaaS startups pre-Series A / Seed extension planning.
Restaurant and hospitality groups with 2+ locations.
Construction and trades companies with project-based cash flow.
Multi-entity holding structures needing consolidation.
Founders fundraising or pursuing SBA loans in the next 6 months.
Owners preparing for an exit, recap, or management buyout.
Founders Choose SMAART Company.
Fractional CFOs are a crowded market. Here’s what makes a SMAART engagement different.
Our fractional CFO engagements are deep and sticky — clients stay because the work compounds every quarter.
CFO + accounting firm, under one roof.
Your CFO isn’t a solo consultant. They sit alongside our bookkeepers, tax preparers, EAs, and USTCPs — so the strategy actually connects to the ledger, the return, and the cash.
One CFO assigned. Same face every call.
Not a rotating bench. The CFO who joins your first strategy session is the one running your monthly review in month 24.
Tax strategy is baked in.
Every financial decision has a tax consequence. Our CFO works hand-in-hand with IRS Enrolled Agents and USTCPs so strategy and tax are one plan, not two.
Fundraising and exit experience.
Our CFOs have sat across the table from VCs, banks, strategic acquirers, and private-equity groups. You get the calibration a founder doesn’t.
Flat-rate pricing. No billable-hour games.
Fractional CFO engagements typically run $3K–$10K/month, scoped up front by business size, session frequency, and whether fundraising or exit prep is in scope. A fraction of a full-time CFO’s $200K–$400K loaded cost, with no hourly surprises and no ad-hoc advisory meter.
21,700+ returns. 20+ years of experience.
Depth of a full-service firm, with the agility and senior attention of a boutique CFO practice. The combination is rare, and it shows.
A Simple Process to Embed a CFO.
From first call to fully-embedded CFO, a clear path that respects your time and the financial complexity already on your plate.
Free 30-minute CFO call.
A senior CFO walks through your situation, reviews recent financials, and identifies the top three moves. You leave the call with a clear picture of what the engagement would look like.
Scoped monthly engagement.
We write down the deliverables (model, cash forecast, KPI dashboard, monthly strategy session, ad-hoc advisory hours) and agree on a flat monthly fee. No hourly surprises.
Embed, build, decide.
Month 1: build the model and the dashboard. Month 2 onward: monthly strategy sessions, quarterly board / lender updates, and on-demand advisory when decisions show up on your desk.
Fractional CFO Questions, Answered.
Common questions founders ask on discovery calls. Want something specific? Book a free review.
Or call (305) 819-3675 to talk with our team today.
Your Business Deserves a Finance Strategist.
30 minutes with a senior CFO. We’ll review your current financials, identify three specific moves worth making, and tell you whether an engagement makes sense. No pressure, no hard sell.
- A senior CFO, not a salesperson
- A review of your most recent financials
- A written, flat-rate proposal — if we're a fit
- Zero pressure if we're not
Tell us where you stand.
Drop your details and a senior accountant will reply within one business day. You'll get specific answers on your situation, not a pitch. No spam, no hard sell.