What is a Fractional CFO?
A fractional CFO is a part-time chief financial officer who provides executive-level financial strategy without the full-time salary. For healthcare clinics generating $3M–$50M in annual revenue, a fractional CFO delivers monthly financial reviews, profitability analysis by location and provider, cash flow forecasting, and strategic guidance — typically for $4K–$8K per month vs. $195K–$320K+ base salary for a full-time hire (often $250K–$400K fully loaded).
Fractional CFO for Outpatient Clinics
Grow your practice without working more hours. Strategic financial leadership without the $250K–$400K fully loaded cost.
At a glance
The Real Problem
You already have an accountant. You get reports every month. But here's the question nobody asks:
Are they telling you what to do with your numbers — or just showing them to you?
Most clinic owners we meet are working harder than ever. Revenue is up. But take-home pay? Flat. Practice value? Unknown. Exit timeline? “Someday.”
You didn't go to business school. You went to medical school. And nobody taught you how to read a financial model, evaluate an expansion, or know if your practice is actually worth what you think it is.
Highly profitable clinics aren't working harder—they're just making different choices.
We give you the playbook to make them.
Is This Right for You?
This service is for clinic owners who:
Generating under $3M? Our Accounting Service may be a better fit.
How We're Different
Your Accountant Reports. We Lead.
| Your Accountant | Fractional CFO | What You Get |
|---|---|---|
| Sends monthly P&L | Builds 3-year financial model | A roadmap, not a rearview mirror |
| Reports what happened | Forecasts what's coming | Decisions before problems hit |
| Generic advice | Healthcare-specific benchmarks | Context that actually matters |
| Answers questions | Challenges your assumptions | A partner, not a yes-man |
| Available when you call | Proactive monthly strategy sessions | Someone thinking about your business when you're not |
The Seven Figure Practice Playbook
Four Systems That Separate Profitable Clinics From Everyone Else
Most practices are stuck in the “see more patients” trap. You're working 60+ hours a week and still not taking home what you should. The most profitable clinics run differently. Here's what they have that you don't—yet:
Strategic Financial Model
A living 3-year forecast tied to your actual goals: expansion timelines, provider additions, exit valuation targets. Not a static budget that sits in a drawer—a decision-making tool you use every month.
Cash Flow Command Center
Rolling 90-day cash forecast. Early warning on tight months. Confidence to make investments without lying awake wondering if you can make payroll.
Location-Level P&L
Know exactly which clinics print money and which ones drain it. Stop subsidizing underperformers. Double down on winners.
Executive Decision Support
Vendor negotiations. Debt restructuring. Hiring decisions. Expansion analysis. The strategic thinking a full-time CFO would do—without the $250K–$400K fully loaded cost.
What's Included
Monthly Deliverables
Ongoing Support
What's Not Included
We work alongside your accountant. If yours isn't delivering accurate, timely financials, we'll help you find one who will.
See Where Your Practice Stands
A 4-minute financial test your accountant hopes you skip.
Results
| Metric | Typical Outcome |
|---|---|
| EBITDA lift | Six-figure range within ~180 days |
| Annual expense savings | Five-figure range identified |
| Time saved | 20+ hours/month |
| Visibility | Per-location profitability |
| Confidence | Clear roadmap for growth or exit |
Illustrative Scenario
Multi-Location Practice
The situation:
An owner running a growing multi-location practice. On paper, things looked fine. In the weekly review:
- •No clean view of which locations were profitable
- •Debt payments approaching with no refinancing strategy
- •Needed to hire an operations director but nervous about the cash impact
- •Incumbent accountant sending reports with no guidance
What the engagement builds:
- •Location-level financial reporting, in many cases the first clean view of true clinic profitability
- •A multi-year strategic growth model with expansion scenarios
- •A debt refinancing strategy that typically frees up mid-four-figures of monthly cash flow
- •Executive compensation analysis so owners can hire key staff with the cash impact modeled
Representative outcomes in 180 days
Annual expense reduction range (accounting firm switch alone typically accounts for the bulk)
EBITDA lift range
Freed for ownership
Key operations hires made with cash impact already modeled
A clear expansion roadmap with projected ROI for each new location
The takeaway
The pattern we see: owners move from guessing to knowing. Once location-level P&Ls, a refinancing plan, and a hiring model are in place, the strategic decisions that used to feel risky become just arithmetic.
Think your practice has similar potential?
Frequently Asked Questions About Fractional CFO Services
Curious what a CFO would find in your financials?
Take the 4-minute financial assessment quiz Your Accountant Hopes You Skip—and find out where your practice stands.