Fractional CFO Services

The Strategic Partner Your Business Actually Needs

Most business owners are making major financial decisions — hiring, expansion, pricing, loans, with incomplete information and no one in their corner who understands the numbers deeply enough to challenge them.

That's not a personal failing. It's a structural gap. A full-time CFO costs $150,000–$250,000 a year. Most growing businesses can't justify it. But operating without strategic financial guidance costs more in the long run — in missed opportunities, poor pricing, and growth that drains cash instead of building it.

PCS Fractional CFO services close that gap. You get senior-level financial strategy — without the full-time price tag.

Our CFO team brings backgrounds in law, actuarial science, and software — not just accounting. We've built and run businesses ourselves. We don't just read your numbers. We understand what they mean for your future.

What Our Fractional CFO Does for You

1.

Financial Performance Analysis — Know What's Really Driving Your Results

Revenue feels good. But is it the right revenue? Are your margins actually healthy, or are certain clients, products, or jobs quietly losing money?

We dig into your numbers and give you a clear, honest picture: what's working, what's not, and what to do about it.

For E-Commerce Businesses

E-commerce profitability is complex. Platform fees, return rates, advertising spend, and shipping costs can turn what looks like a strong revenue month into a negative-margin nightmare. We build the financial models that make your true unit economics visible — so you can make product, pricing, and channel decisions with real data.

• True margin analysis by product, channel, and customer segment

• Customer acquisition cost vs lifetime value — are your ad dollars actually working?

• Inventory investment vs cash flow — are you tying up cash in the wrong SKUs?

• Cross-border expansion planning — tax implications, landed costs, and break-even

modeling

Trades & Construction Businesses

In trades, profit lives and dies in the details. Labour productivity. Material waste. Change order

management. Jobs that looked profitable when quoted and weren't when invoiced. We help you

build the financial discipline that separates the firms that grow from the ones that stay stuck.

• Job profitability analysis — see profit per project, not just overall

• Overhead allocation — are you pricing work to actually cover your true costs?

• Crew productivity benchmarking — which jobs, crews, and clients are most profitable?

• Bonding capacity and financial statement preparation for larger contracts

2.

Cash Flow Forecasting & Management

Cash flow is where most growing businesses get hurt. Revenue is growing, the business looks healthy — and then a slow month hits and payroll is suddenly uncomfortable.

We build 13-week and 12-month cash flow forecasts that show you exactly what's coming. No more surprises. No more making decisions by gut feel when the numbers could tell you.

3.

KPI Development & Benchmarking

We define the metrics that actually matter for your business and benchmark them against industry standards — locally and nationally. You'll know not just how you're doing, but how you compare and where the biggest leverage points are.

4.

Budget, Planning & Scenario Modeling

Thinking about hiring? Expanding to a new location? Taking on a major contract? We model the financial scenarios — best case, realistic, and stress test — so you can commit with confidence, not hope.

5.

Lender & Investor Readiness

PCS prepares the financial packages, projections, and supporting materials that banks and lenders need to say yes. We know what they're looking for — and we present your business in the strongest possible light.

MEET THE FOUNDER & CEO

What Makes PCS CFOs Different

We've run businesses

not just advised them. We know the difference between theory

and the decisions you face on a Tuesday afternoon.

Multidisciplinary backgrounds:

law, actuarial science, software, and entrepreneurship.

We bring a perspective that a traditional accounting firm simply can't.

10+ years across multiple industries:

including e-commerce, trades, healthcare, and

transport. We know what good looks like in your sector.

BDC-recognized:

we deliver Cash Flow Coaching™ in partnership with the Business

Development Bank of Canada.

Partner With PCS to Maximize Your Firm’s Profitability

Don’t let messy books or unclear numbers hold your firm back. At PCS, we help professional services firms across Canada streamline operations, protect margins, and plan with confidence.

Book your free consultation today and see how professional‑grade accounting can support your next level of performance.