Cash Flow & Working Capital
Forecasting, timing, and the working-capital decisions that keep cash predictable.
Premium Advisory
Fractional CFO services in Pensacola.
Senior financial leadership without a full time executive hire, for businesses across Pensacola and the Gulf Coast. Ongoing CFO level guidance on cash, margins, reporting, and the decisions that shape the company.
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What It Covers
The decisions behind the numbers.
Budgeting & Forecasting
Budgets, forecasts, and variance review that get used rather than filed.
KPIs & Management Reporting
A monthly reporting package built for owner and leadership decisions.
Margins & Profitability
Pricing, service-line and product margins, and where profit is actually made.
Banking & Financing
Lender reporting, covenant tracking, and support through financing conversations.
Growth & Transactions
Acquisitions, expansion, partner changes, and post-close integration.
Operator Experience
Advisory shaped by operating experience.
Dansby CFO+ is CPA-led, with former CEO and CFO operating experience across a multi-location healthcare organization, acquisitions, financial systems, and executive decision-making. The advisory work reflects operating experience, not theory.
About the firm Industries we serveCommon Questions
Fractional CFO advisory.
What is a fractional CFO?
A chief financial officer you engage for part of the week instead of hiring full time. You get the reporting, forecasting and decision support a CFO provides, scaled to what the business needs and what it can carry.
Is a part time CFO or an outsourced CFO different?
No. The three names describe the same arrangement from different angles: the share of a CFO, the schedule, or the fact that the role sits outside your payroll. The work is the same.
How much does a fractional CFO cost?
It is billed hourly or as an ongoing monthly engagement and quoted after a short call, because scope drives it: entities, the state of the accounting, reporting frequency, and whether a lender, a board or a transaction is involved. You get a written scope and fee before work begins.
What does a fractional CFO actually do?
Builds and runs the reporting owners use to make decisions: cash flow forecasting, budgets and KPIs, margin and profitability review, lender and banking support, and owner compensation and distribution planning.
How is this different from my CPA relationship?
Tax and accounting answer what happened. Fractional CFO advisory is about what to do next, on an ongoing basis, with reporting built for decisions rather than compliance.
Will a fractional CFO replace our bookkeeper?
No. The bookkeeper keeps doing the day-to-day work. The fractional CFO adds oversight, reporting, and decision support above it.
When does a business actually need one?
Common signals: cash feels tighter than the income statement suggests, reporting is late or hard to use, growth is adding complexity, a lender or partner needs better reporting, or a major decision is approaching.
Same Role, Three Names
Fractional, part time or outsourced CFO.
People search for all three, and they usually mean the same arrangement: a chief financial officer for part of the week instead of a salary on the payroll. The difference is in how the time is bought.
Fractional CFO
A recurring share of a CFO, usually a set number of days or hours a month against an agreed scope. This is the arrangement most Gulf Coast owners mean when they call.
Part time CFO
The same work described by the schedule instead of the share: set days in the business, often while a company grows toward a full time hire.
Outsourced CFO
The emphasis is that the role sits outside the company, with the firm carrying the reporting and the tooling rather than the owner hiring and managing it.
What does not change
The work: cash flow, forecasting, budgets, KPIs, margins, lender and banking support, owner economics, and the monthly reporting the decisions run on. Whichever word you searched, that is what you get here.
What It Costs
Hourly, or an ongoing engagement.
Fractional CFO work is billed hourly or as an ongoing monthly engagement, quoted after a short call. What moves the number is scope: how many entities, how clean the accounting is, how often you want reporting, and whether a bank, a board or a transaction is involved.
Every engagement gets a written scope and fee before work begins, and the first conversation is a free consultation with our firm.
Based in Pensacola and working across Gulf Breeze, Navarre, Pace, Milton, Perdido and South Alabama, in person or remote.
How pricing worksNot Sure Yet?
Take the two-minute fit check.
Ten questions and a plain-language result on whether CFO-level support makes sense for your business right now.
Next Step
Discuss the decisions ahead.
A consultation on cash, reporting, and what the business is working through.
Individual tax prep online: 850 Tax (opens in a new tab). 850 CFO Online (coming soon).