Your Fractional CFO
– without the six-figure hire.
Most founders are guessing – revenue's up, but the real profit and where the cash actually went are a mystery. We hand you the exact numbers every month, in plain English, plus the moves to grow them.
No sales pitch · Month-to-month · A real CFO, not a chatbot
Hear it straight from the founders we work with.
What a Fractional CFO actually delivers in week one — and the numbers behind the practice.
If any of these hit – you're flying blind.
Sales are up – but you can't say what you actually earned last month.
Money in the bank isn't profit – and the gap costs you.
Which product, channel or client really makes you money? Most founders guess.
Payroll week shouldn't be a surprise. Cash gaps catch you off guard.
You need CFO-grade thinking – not a six-figure salary and a three-month hire.
Book a Free ConsultationFounder Finance:
finally understand your own numbers.
A free email course for founders who were never taught finance. One short lesson a day. By the end of week one, you'll know exactly where your money is – and how to grow it.
The fractional CFO who ends the guesswork.
Every month you get the real numbers – your true profit, where the cash went, and what's driving both – explained in plain English, with the specific moves to improve them. Not a report you file away. A working session that tells you exactly what to do next.
The three reports every founder needs – set up right and updated monthly.
Explore Fractional CFOMore ways to get certain about your numbers.
Financial Model
Current profit, a 12-month forecast, and growth scenarios in one place.
Fundraising / Investor-Ready Finance
A data room, model, and metrics that pass due diligence.
Management Reporting
Clean monthly reporting and KPI dashboards you'll actually read.
How healthy are your business finances – really?
Answer 6 questions and unlock an instant score across Cash, Profit and Control – plus three concrete fixes our CFOs would prioritize first.
- Instant 0–100 score across 3 dimensions
- Tailored Top-3 fixes from real CFOs
- Benchmark vs founders at your stage
- Build a 13-week cash forecast
- Separate gross margin by channel
- Close monthly books by day 10
Three levels of financial leadership – pick your stage.
Month-to-month. No lock-in. Every plan is scoped to your business on a free call – the inside is what you get.
Essential Finance
Get your numbers in order and make confident decisions.
Early-stage founders who need clarity, not chaos.
$0–3M annual revenue
Core Dashboards
- Cash flow, P&L & OPEX dashboards
- Unit economics – margins, LTV, CAC, ROAS
Monthly Close & Reporting
- Month close – P&L, cash flow, balance sheet
- Monthly strategic CFO report
- Financial health check
Decision Support
- Decision matrix for key business choices
Communication
- 2 scheduled calls / month
- Unlimited ad-hoc calls
- Unlimited email & chat
Strategic CFO
Scale profitably with data-driven strategy and forecasting.
Growing brands ready to optimize margins, pricing and channels.
$3–15M annual revenue
Advanced Analytics
- Department efficiency – marketing & sales
- Assortment, capacity, margin & cohort analysis
- Channel performance (Meta, Google, etc.)
- Competitor analysis
Forecasting & Planning
- 13-week rolling cash forecast
- Weekly cash flow report
- Budget vs actual tracking
- Stock forecast & scenario analysis
Pricing & Strategy
- Pricing & discount strategy + research
- Corporate structuring (financial)
- Investor & shareholder reporting
Communication
- Up to 4 scheduled calls / month
- Same-day priority ad-hoc calls
- Shared workspace, unlimited chat
CFO Executive
Capital, M&A and board-level financial leadership.
Mature brands preparing for fundraising, M&A or scale-up.
$15M+ annual revenue
Capital & Governance
- Working capital management
- Capital allocation strategy
- Financial policies & controls
- KPI tracking & weekly business review
Fundraising & M&A
- Data room preparation & support
- Due diligence support
- Valuation dashboard + football field
- Acquisition & investor structuring
Strategic Projects
- 1 new project calculation / month
- Product strategy support
- Coordination with legal, investors, auditors
Communication
- Dedicated CFO availability
- Direct line, unlimited ad-hoc
- CFO + analyst + partners on chat
Four steps from first call to monthly clarity.
Book a free call.
We learn your business and your biggest money question.
Free financial diagnostics.
We review your current numbers and show you exactly what's missing.
Meet your CFO.
You meet the person who'll run your finances – and decide together if it's a fit.
Monthly CFO partnership.
Reports, forecasts, and a working session every month – clear actions, not just spreadsheets.
You walk away with a roadmap – the specific moves that improve cash and profit.
The businesses we know cold – and what their founders say.
"Killed two unprofitable lines, grew margin 11pts in 2 months."
Founder, DTC beauty
"Our LTV:CAC story finally made sense to investors."
Co-founder, B2B SaaS
"We see utilization & profit per project for the first time."
MD, agency
"Inventory turnover up 38% – same revenue, less cash tied up."
CEO, multi-store retail
"Closed our round in eight weeks. Data room held up first try."
Co-founder, marketplace
"True cost per SKU – we re-priced 40% of the catalogue."
CFO, manufacturer
"13-week cash forecast saved us during a closing delay."
Principal, dev firm
"Investor-grade model in 3 weeks. Saved months of work."
Founder, early-stage
Real businesses. Real outcomes.
18+ engagements across e-commerce, SaaS, manufacturing, marketplaces and real estate.
From cash crunch to $700K raise – and 150% Amazon growth.
Despite strong market traction and a growing brand presence, Remilia Hair faced a severe liquidity crisis. The business was burdened by numerous high-interest, short-term loans (QuickBooks, ClearCo, PayPal) that drained monthly cash flow. Operational challenges included long production lead times (120–150 days) and high minimum order quantities (MOQs) that tied up limited capital. A complex existing owner-loan structure was also acting as a deterrent for new, large-scale equity investors.
Two months from bankruptcy to six times the runway.
Huntli was facing significant financial challenges, with discrepancies in its financial reports revealing a troubling cash flow gap. The company was at risk of bankruptcy within two months if immediate action was not taken.
Turned an unpredictable order book into weekly cash certainty.
Despite strong sales, cash flow was unpredictable due to misalignment between client advances and supplier payments, non-standard supplier terms, lack of cash timing visibility in reporting, large orders distorting forecasts, and VAT impact not tracked. The issue was not profitability – it was cash timing.
From fragmented systems to one consolidated margin view.
Despite strong revenue activity, management lacked clear financial visibility. Operations were spread across multiple systems (Zoho Books, Salesforce, Bench, Trello) and several legal entities, making it difficult to understand true margin by service and geography, partner payment obligations, recurring revenue and follow-up services, and short-term cash exposure.
Found stable €20–27K monthly profit hiding in fragmented data.
The founder lacked clear visibility into monthly financial performance and could not reliably determine net profitability. Operations were heavily dependent on manual inventory management, leading to frequent stockouts. Strategic decisions – such as international expansion to Romania and the launch of pop-up stores – were being considered without data-driven financial support.
Diagnosed a hidden returns leak that was draining the bank.
Despite strong sales and a solid order pipeline, N1 Home faced unexpected cash flow pressure, limiting the company's ability to plan future growth or attract external funding. While revenues appeared strong on paper, liquidity was deteriorating due to increasing refund volumes and working capital strain.
Founders in 12+ countries trust us with their numbers.
Multi-currency, cross-border, IFRS and US-GAAP – natively. From Riga and London to New York and Dubai.
What our clients actually say.
"25% more people in the pool – and more profit too."
We've been working with John Galt for a while, and their insights into pricing and scheduling helped us significantly. At Mežaparks Sports Village, we had an imbalance in traffic – some hours were overcrowded, others empty. They restructured it and the numbers followed.
"Turned my business around and found real growth opportunities."
Over three months with John Galt Finance, we conducted a full financial review – from P&L analysis to evaluating patient LTV and optimizing our cost structure.
"A smart investment with tangible results."
John Galt Finance helped me scale my business through a custom financial model and strategic guidance. Their communication was excellent – we had weekly calls with a dedicated manager, and responses were always quick.
In-house CFOVSJohn Galt Finance
- Salary + taxes + bonuses + benefits
- Months to hire – and months more to ramp
- One person, one set of blind spots
- Knowledge walks out if they leave
- Senior CFO experience from week one
- An outside view that catches what insiders miss
- Pay only for what you actually need
- A whole team behind your account
A full-time CFO runs €120K+ a year. Get the same caliber of decision-making for a fraction.
Built by CFOs. Yours, free.
Read the kind of finance content founders actually share.
Cash Forecasting for E-commerce Brands: The 13-Week Model Explained
Why P&L profit doesn't equal cash, how the 13-week direct cash forecast actually works, and the template every DTC operator should run weekly.
The 13-Week Cash Flow Forecast Every DTC Brand Needs
Why 13 weeks is the right horizon for e-commerce cash forecasting, what goes in each row, and how to update it in under 30 minutes a week.
When to Hire a Fractional CFO: Revenue Thresholds, Signals & ROI Math
The honest guide to when an outsourced CFO actually pays for itself, the warning signs you've waited too long, and the math behind the decision.
Questions founders actually ask us.
Stop guessing. Start deciding on facts.
Book a free call with a real CFO. 20 minutes, no pitch – just a clear read on where your money is and what to do next.
No sales pitch · Month-to-month · A real CFO, not a chatbot