Fractional CFO

A fractional CFO is an experienced finance executive who works with a business part time or on a defined scope, providing CFO-level planning and oversight without a full-time salary.

What a fractional CFO is

A fractional CFO is an experienced chief financial officer who works with a business part time, for a set number of hours or a defined scope, instead of as a full-time employee. Businesses get CFO-level planning and oversight at a lower cost than a full-time hire.

What a fractional CFO typically does

Builds budgets, forecasts and cash flow forecasts.
Reviews financial statements and key performance measures with leadership.
Prepares the business for lenders, investors, audits and acquisitions.
Improves accounting processes and internal controls.

Why it matters for cannabis businesses

Cannabis operators deal with complex taxes, cash-heavy operations, tight margins and limited access to capital. Many are too small for a full-time CFO but need that level of financial judgment, especially when raising money, expanding into new markets or planning around federal tax changes.

What to look for

Experience with cannabis tax rules, including 280E.
A clear scope, schedule and fee structure.
Ability to work with your existing bookkeeping and accounting team.

How Safe Harbor helps

Safe Harbor offers fractional CFO and CFO-level advisory through its strategic finance services.