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As 2025 winds down, small and medium-sized businesses (SMBs) face a critical window: the opportunity to build a clear, KPI-driven financial plan for 2026 before the new year begins. Too many businesses wait until January—or later—to begin their budgeting process, only to start the year reacting instead of leading. A thoughtful budgeting and forecasting process is more than a finance requirement. It’s a strategic advantage that shapes hiring, marketing, operations, and long-te

Introduction In the shifting economic landscape of 2025, business leaders are deeply focused on agility, cost efficiency, and data-driven decision making. One of the most commonly searched questions in the finance and startup world today is: “When should I hire a fractional CFO?”  This reflects a growing recognition that accessing high-level financial leadership doesn’t always require a full-time hire — especially when the business environment remains uncertain, capital is ti

Introduction: The Unseen Risk That Kills Businesses — Cash Flow Many businesses fail not because they’re unprofitable, but because they run out of cash . In 2025’s volatile environment—rising costs, supply chain disruptions, tighter credit—cash flow is more than just a metric; it’s a survival tool. Yet, many small and mid-size companies operate on hope, static budgets, or spreadsheets that are outdated the moment they’re built. That’s an unnecessary risk. Here’s the good news

In today’s uncertain economy, businesses are realizing that financial strategy isn’t just about growth—it’s about resilience. The new...

In 2025, we're seeing a surge  in demand for fractional CFO services — especially among mid-market businesses that need high-level...

By Derek Harwood, CPA — Founder, Fractional CFO Partners Introduction: Scaling Without Losing Control As businesses grow, one of the...