Many organizations need sophisticated financial strategy but aren't at the stage to justify a full-time CFO. Zentrust Financial provides experienced fractional CFO services — senior financial leadership engaged part-time, on retainer, or on an interim basis.
A fractional CFO is an experienced chief financial officer who works with your organization on a part-time or project basis — providing strategic financial guidance, board-level reporting, and rigorous analytical support typically reserved for much larger enterprises.
Zentrust Financial brings an unusual background to this role. Most fractional CFOs come from startup finance or accounting. Ours comes from two decades of institutional investment management, actuarial consulting, and plan sponsor leadership — disciplines built on financial precision, long-horizon thinking, and disciplined governance.
The result is a fractional CFO engagement that goes beyond the basics of bookkeeping oversight and financial reporting — one that brings genuine strategic financial thinking, sophisticated modeling, and the credibility that comes from CFA, FSA, and MBA credentials.
"The discipline of institutional finance, applied to the agility that growing organizations actually need."
Our fractional CFO engagements are tailored to the organization's needs and stage. Engagements may cover some or all of the following.
Multi-year financial models, scenario analysis, variance reporting, and KPI dashboards that support informed, documented decision-making.
Cash runway modeling, liquidity planning, banking relationship management, and working capital optimization to ensure financial resilience.
Annual budget design, rolling forecast processes, and the discipline to keep leadership aligned on financial targets through the year.
Clear, credible financial presentations for boards, funders, lenders, or investors — built for the right audience and designed to hold up under scrutiny.
Management of the accounting function, audit preparation, internal controls review, and financial statement presentation — without replacing your bookkeeper or controller.
Financial systems assessment, software selection, and process redesign to build a scalable financial infrastructure that grows with the organization.
Financial review of key contracts, vendor terms, and procurement decisions — with an eye toward long-term cost structure and risk management.
Capital structure, M&A financial diligence, grant strategy, and growth scenario planning — bringing institutional financial rigor to high-stakes decisions.
Full interim CFO coverage during leadership transitions — maintaining continuity, managing the finance team, and supporting board and audit committee relationships.
Fractional CFO engagements are not one-size-fits-all. We structure each engagement around what the organization actually needs — whether that is ongoing strategic support, a focused project, or full interim coverage during a transition.
A defined number of hours per month — typically 10–20 — covering financial reporting, board prep, FP&A, and strategic advisory on an ongoing basis.
A defined project with a clear deliverable: budget build, financial model, audit prep, board reporting package, or systems selection.
Full coverage during a transition — when a CFO departs, during a restructuring, or while a permanent hire is being made. May include part- or full-time hours.
An initial diagnostic of the finance function followed by a structured engagement to build the processes, systems, and reporting the organization needs.
We welcome inquiries from nonprofits, healthcare organizations, and businesses considering fractional CFO support. Initial consultations are confidential and without obligation.
Zentrust Financial LLC. This website is for informational purposes only and does not constitute accounting, legal, or financial advice. Fractional CFO services are advisory in nature and do not constitute CPA or licensed accounting services.