What is a Fractional CFO?
A fractional CFO provides full CFO-level financial leadership — working capital structuring, MIS reporting, board presentations, and lender negotiations — on a part-time retainer. Unlike a full-time hire at ₹50L+ annually, you engage for specific outcomes at 20–40% of that cost. The difference with Ryan: every engagement includes building the Python and VBA systems to automate what you agree to — so results compound.
What's Included
Working Capital & Liquidity Management
DSO reduction strategies, trade credit facility structuring, 13-week cash-flow forecasting, and bank limit negotiations. Clients have reduced their cash conversion cycle by 18–35 days within the first two quarters.
Board-Ready MIS & Automated Reporting
Monthly reporting packs designed for board and lender consumption — P&L, balance sheet, cash-flow, variance analysis, and KPI dashboards. All built in Python or VBA so future runs take minutes, not days.
Capital Raising & Debt Restructuring
Financial models for lenders and investors. Debt restructuring proposals, term-sheet review, working capital loan applications. $35M+ structured across engagements in India and East Africa.
Finance Automation — Built Into Every Engagement
Python scripts and VBA macros that automate payroll processing, GSTR reconciliation, invoice ageing, and ERP data extraction. This isn't a bolt-on — it's how the CFO advisory is delivered.
Statutory Compliance Oversight
GST, TDS, advance tax, and ROC compliance tracked and filed on time. ASMT-10 and other GST scrutiny notices handled with data-backed responses. Zero-penalty track record maintained.
Who This Is For
Fractional CFO engagements work best for companies in a specific growth band — too large for a bookkeeper, not yet ready for a full-time CFO hire.
₹5Cr – ₹100Cr Revenue
Mid-market companies where a full-time CFO is 12–18 months away but the finance function needs shaping now.
Fundraising or Restructuring
Companies approaching lenders, equity rounds, or undergoing debt restructuring who need a credible CFO voice in the room.
Operations-Heavy Businesses
Manufacturing, trading, and service companies with high invoice volume where automation unlocks immediate efficiency gains.
India & East Africa
Remote engagements pan-India. On-site or remote for Kenya and Tanzania. Most MIS and automation work is delivered digitally.
Typical Retainer
MIS automation + compliance oversight
Full CFO scope + Python automation
Capital raising + board representation
Most clients start with a 3-month scoped engagement — enough time to stabilise reporting, automate one or two key processes, and demonstrate measurable working capital improvement before committing to a longer retainer.
Common Questions
A CA firm handles compliance — filing returns, audits, statutory work. A fractional CFO sits at the strategy layer: structuring how capital flows through the business, building the financial architecture for growth, and making sure the board sees the numbers they need to make decisions. Ryan does both — compliance is included, not outsourced.
Typically 15–40 hours per month depending on the tier. Entry engagements are 15–20 hours focused on MIS and compliance. Full-scope engagements run 30–40 hours and include lender calls, board meetings, and hands-on automation development. Hours are tracked and reported monthly.
Yes. Most ongoing CFO advisory and automation work is delivered remotely, pan-India. Engagements in Kenya and Tanzania are handled remotely with occasional on-site visits for forensic audit or ERP work. The Python and VBA deliverables are cloud-compatible and work regardless of geography.
After an initial call to scope requirements, most engagements start within 5–7 working days. The first two weeks are a diagnostic phase — reviewing the current finance function, identifying the highest-leverage automation opportunities, and agreeing on the Month 1 deliverable set.
Need a CFO voice in the room?
Share your current situation — revenue range, what's broken, what you're building toward. Ryan will respond with a scoped engagement proposal within 24 hours.
WhatsApp Ryan → +91 95384 16161