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Fractional CFO
Services

At Midwest CPA, we offer fractional CFO services to give your business expert financial support without the need for a full-time CFO. This is perfect for small to mid-sized companies looking for help with budgeting, cash flow, financial planning, and reporting. 

Our fractional CFOs provide high-level financial guidance and support when you need it, helping you make smart decisions and drive growth, all while keeping costs manageable. With Midwest CPA, you get tailored financial expertise that fits your specific needs and budget.

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How We Help

Acquisition entrepreneurs, founders, and private equity firms partner with a fractional CFO from Midwest CPA for help navigating key points in the life of their businesses. Whether it be periods of high growth, uncertainty, or M&A transactions Midwest CPA has you covered. 

Manage Cash Flow

Manage cash proactively to ensure liquidity and plan for growth.

Plan for the Future

Define success and create a financial plan towards achieving key objectives.

Improve Reporting

Strengthen financial understanding for key stakeholders.

Better Decision Making

Make smarter decisions with better data and stronger planning

Why Hire a Fractional CFO Instead of a Full-Time CFO?

As an acquisition entrepreneur, business owner, or leader in a private equity firm, you juggle numerous responsibilities. Midwest CPA offers a cost-effective and flexible solution with our fractional CFO services, providing top-tier financial expertise without the high costs of a full-time hire.

Here are some of the benefits of a fractional CFO vs a full time one:

  • Cost Efficiency
  • Flexibility and Scalability
  • Immediate Expertise
  • Access to Specialized Skills
  • Customized Solutions
  • Focus on Core Business Activities
From acquisition to exit, Midwest CPA helps entrepreneurs prosper. 
 

Our fractional CFO services can help you obtain 80% of the value of a full time CFO at a fraction of the cost.

Recent Articles From Midwest CPA

The Risk Most SBA Buyers Don’t Put in the Model

SBA 7(a) financing has made business ownership accessible to thousands of acquisition entrepreneurs. It can provide meaningful leverage, long amortization, and a capital structure that would be difficult to replicate with conventional financing.

That can create extraordinary upside for the right operator buying the right business.

But the same structure comes with an important tradeoff: the personal guarantee.

Buyers often spend weeks diligencing normalized earnings, customer concentration, working
capital, margins, capex, and debt service coverage. They should put the same rigor into
understanding what a failed deal could mean for their personal balance sheet.

A good acquisition model should show both sides of the distribution: what success could create
and what failure could cost.

Read More »
September 29, 2026

Using an SBA Loan to Buy a Business? You Need Due Diligence!

In a recent episode of the EntreLeadership podcast with Dave Ramsey, a caller shared a cautionary story that every aspiring business buyer needs to hear. The caller had taken out an SBA loan to expand their daycare business and open a second location. But what seemed like a smart move quickly turned disastrous.

Read More »
April 26, 2026

First Year Business Owner Tax Tip: Convert Your 401(k)

Here’s something most young entrepreneurs don’t realize:
The year you buy a business is often one of your lowest taxable income years, which creates a rare tax planning opportunity.
Instead of just surviving year one, you can use it strategically, potentially reducing your lifetime tax liability by making one smart move: a Roth conversion.
Let’s break it down.

Read More »
February 26, 2026
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