Your NYC Business Is Growing - Your Financials Are Falling Behind
If you're past $3M in revenue and still relying on Excel to make six-figure decisions, you're flying blind. A fractional CFO gives you control, clarity, and confidence - without a $250K salary.
Outsourced CFO and fractional CFO services for New York City businesses, led by Ben Cohen, former PwC Senior Manager and founder of Visionary Arc Finance.
Confidential. No obligation.
Typically working with NYC businesses doing $2M–$15M in revenue
Supporting growth-stage companies across New York and the U.S.
Outsourced CFO Services in New York City
The $5M company trying to scale to $15M hits a wall. Not a sales problem. Their financial infrastructure can't tell them which projects are actually profitable.
You're spending $85K/year on a controller who's great at closing the books. But when you ask, "Should we take this contract at these terms?" or "Can we afford to open that second location?" you get a shrug and a spreadsheet. That's the gap a part-time CFO consultant fills.
Strategic financial leadership (not just bookkeeping)
Real-time cash flow visibility
Data-backed decision support
Investor & board-ready outputs
The difference between a bookkeeper, a controller, and a CFO isn't title. It's whether they can answer the question: "What should we do next?"
How a Fractional CFO Helps NYC Companies Scale Without Financial Chaos
You're about to sign a $180K contract with payment terms spread over 18 months. Before working with a CFO, you'd check your bank balance, feel good, and sign.
Now? Your CFO has modeled the cash impact already. They've flagged that months 4-6 have a payroll crunch. They've suggested either negotiating 30% upfront or arranging a line of credit. You sign the deal, but you're not blindsided three months later.
Best Virtual CFO Services for Startups and Growing Companies
You're a strong fit if:
- Revenue is $2M to $15M+
- You've outgrown basic bookkeeping
- Spreadsheets can't answer 'Are we making money?'
- Investors or advisors are asking harder questions
- Major decisions feel too expensive to guess
Common Client Profiles
Serving New York City and businesses nationwide through virtual delivery.
Who This Is Not For
- Pre-revenue startups burning through runway
- Businesses needing daily bookkeeping
- Companies looking for a low-cost controller replacement
Fractional CFO services are designed for leadership teams making high-impact financial decisions.
What Your Virtual CFO Handles
Strategic Financial Planning & Forecasting
- Cash position visibility 3 months out
- Real gross margins by client
- Budgeting & scenario modeling
- Profitability analysis by product/client
Cash Flow Management & Working Capital
- Weekly cash forecasting
- Payment term restructuring
- Line of credit arrangement
- 90-day cash runway visibility
Financial Reporting & KPI Tracking
- Project-level profitability
- Burn rate and runway tracking
- Revenue per employee metrics
- Customer acquisition cost analysis
Fundraising & Capital Strategy
- Investor pitch deck financials
- Financial projection models
- Due diligence preparation
- Data integrity for investor questions
Business Advisory & Strategic Decisions
- Lease vs. buy equipment analysis
- Debt vs. equity evaluation
- Hiring strategy analysis
- Contract term negotiation support
Fractional CFO vs Full-Time CFO
Cost
Commitment
Expertise
ROI
A full-time CFO in NYC runs $200K–$350K annually, plus benefits and equity.
At $8K/month, that's $96K annually for senior-level strategic guidance without the overhead.
No 30-Page Proposals. Here's What Actually Happens.
I don't believe in long sales cycles. The goal is visibility before strategy.
Discovery
We meet (video works fine), you tell me what's keeping you up at night financially, and I tell you honestly if I can help.
Assessment
I review your current financials to understand where you actually are, not where you think you are.
Infrastructure
We set up proper reporting: fixing chart of accounts, implementing tracking systems, building dashboards that actually matter.
Partnership
Monthly strategic reviews, weekly cash monitoring during critical periods, and immediate access for major decisions.
I'm available when you're negotiating that lease, deciding whether to bring on a partner, or evaluating an acquisition opportunity. I work remotely for most engagements and fly into New York when in-person meetings make sense for board presentations, investor meetings, or major strategic decisions.
Why New York Companies Choose This Practice
I spent nearly 20 years in global finance. I started offering fractional CFO services because I kept seeing companies that couldn't justify a $250K full-time CFO but desperately needed that level of financial leadership.
New York isn't generic. Your CFO needs to understand that real estate costs here affect cash flow differently than in other markets. That when you're competing for talent against funded startups, your compensation strategy matters.
Background includes:
That cross-industry experience matters because business challenges are surprisingly similar across sectors. Cash flow problems don't care if you're SaaS or manufacturing. Profitability analysis works the same whether you're professional services or e-commerce.
They needed someone who'd been in the room when things went sideways.
You work with senior leadership. Period.
Outsourced CFO New York: FAQs
Guides for New York Business Owners
Fractional CFO vs Full-Time CFO in New York
A full-time CFO in New York is one of the most expensive hires you'll make. A former PwC Senior Manager on how to tell whether you need one yet.
Read the guidePreparing Your Financials to Sell a Business in New York
Deals rarely die on performance. They die on numbers nobody can explain. Written by a CFO who ran buy-side diligence at Johnson & Johnson.
Read the guideProfitable on Paper But No Cash in the Bank
Profit is calculated, cash is counted. A New York fractional CFO on the five places money hides and the cost-cutting move that ends companies.
Read the guideInvestor-Ready Financial Reporting in New York
Investors don't reject models for being wrong. They reject them for being unexplainable. A CFO with public-company IR experience on what survives scrutiny.
Read the guideFractional CFO for Professional Services Firms in New York
Agencies, law firms and consultancies fail on cash, not profit. A New York fractional CFO on utilisation, work in progress, and partner distributions.
Read the guideReady to Talk?
If you're frustrated with financial reporting that arrives too late to be useful, if you're making gut-feel decisions about six-figure contracts, or if you just have that nagging sense your numbers aren't telling you the whole story - let's talk.
I personally respond to every inquiry within 24 hours.
No sales team. No automated funnels. Just a conversation.