SERVICE

Public-company obligations. No CFO in the seat. That gap is risk.

Fractional CFO leadership for NYSE American, Nasdaq small-cap, and OTCQB/OTCQX companies — board reporting, capital strategy, treasury, and close discipline from someone who has spent ten years in the SEC-reporting seat at US-listed public companies.

Already have a CFO? Many engagements run under one — see Public Company Support for senior bench strength, not a replacement.

Engagement model
Outcome-based engagement
Scope
Defined together in a scoping call
Who does the work
Founder. Every deliverable.

THE PROBLEM

Your accountant keeps you compliant. Compliance is not strategy.

The gap between where your finance function is and where a listed company needs it to be is not an accounting gap. It is a leadership gap — and at small-cap scale, the full-time hire math rarely works.

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The decisions have changed; the finance function hasn't. Two years ago the questions were bookkeeping questions. Now they're dilution, runway, raise timing, and what to tell the board — and nobody in the building has carried those decisions at a public company before.

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The cash forecast is a spreadsheet, not a strategy. A real forecast shapes hiring, product investment, and raise timing. If yours is rebuilt from scratch the week before each board meeting, it's reporting history, not steering the company.

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Board packages report; they don't inform. Directors get a trial balance in slide form. What they need is the three numbers that changed, why they changed, and what management proposes to do about it.

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A full-time CFO doesn't pencil. An empty seat doesn't either. The market for executives who have actually run public-company finance is priced beyond most small-caps — so the seat stays empty, and the risk compounds quietly every quarter.

WHAT WE DO

A CFO in the room, not a consultant on a call.

Embedded in your leadership team on a part-time cadence sized at Gate 1. Diagnostic first, then build what's missing, then hand over a function that runs without dependency. These are the building blocks.

Diagnostic in the first 30 days. Business model, cash dynamics, team capability, and strategic priorities — mapped before anything gets built. You get a written read on what's missing and in what order it matters.

Cash flow forecasting and working capital. A rolling forecast tied to operating drivers — one document that answers runway, raise timing, and hiring capacity, refreshed on a cadence the board can rely on.

Board and investor reporting. Packages built for governance decisions: what changed, why, and the management recommendation — written by someone who presents to an audit committee in his own seat every quarter.

Capital strategy and fundraising support. Raise structure, instrument trade-offs, dilution math, and lender or investor materials — grounded in $50M+ raised in public-market transactions.

FP&A and management reporting framework. A planning process and monthly reporting rhythm that informs real decisions — capital allocation by data, not gut feel — built for your business, not imported from a template.

Treasury and close discipline. Banking structure, cash controls, and a close calendar that produces numbers the auditor and the board both trust — SEC-grade discipline applied at fractional cost.

Team capability building. The build targets a function that runs with clear ownership and reliable reporting within the first months. The goal is to grow your internal finance leader, not to make the engagement permanent.

WHY US

Pattern-matching from a live seat, not a slide library.

$50M+
Raised in public-market transactions
Zero
Restatements, late filings, or audit qualifications
10
Years inside US-listed public companies, in the filing seat

How we work: every engagement passes the 4-Gate model — document intake, source reconciliation, independent cross-check, deliverable review — before anything reaches your auditor or your board. The founder, a US CPA with an MBA from IIM Ahmedabad, is someone who has spent ten years in the SEC-reporting seat at US-listed public companies — with zero restatements, zero late filings, zero audit qualifications. See the model.

QUESTIONS

Common questions about fractional CFO engagements

How is this different from an outsourced accounting firm?
An outsourced firm processes transactions and produces statements — necessary, but it's the floor. A fractional CFO sits in your management meetings, translates operational reality into financial strategy, and owns the board narrative. If what you need is bookkeeping or basic compliance only, we'll tell you that in the first reply and point you to a better-fit provider. Unfolding Values is not an audit firm and provides no attest services — we work on your side of the table.
Will we eventually need a full-time CFO anyway?
Possibly — and the engagement is built to make that transition clean, not to prevent it. The first months are diagnostic and build; after that the emphasis shifts to capability: clear ownership, reliable reporting, and an internal finance leader who grows into the role. Some companies graduate to a full-time hire; others find the fractional model holds for years. Dependency is a failure mode, not a business model.
How much of your time do we get, and what does it cost?
Cadence is sized to your situation at Gate 1 — a company heading into a raise needs more hours than one stabilizing its close. Fees are fixed to the outcome, not the hour. You see the full scope, deliverables, and fee in writing before any work begins. And because the founder does every deliverable personally, we take a maximum of two new engagements per quarter.
You hold a full-time finance seat. What happens when your 10-Q week is my 10-Q week?
Fair question — it's the first one we'd ask. Engagements are capped at two new per quarter, and your filing calendar is mapped against existing commitments at scoping. Filing deadlines are knowable months ahead; if the peaks collide, we build the buffer into the timeline or we don't take the engagement.
START HERE

The empty CFO seat costs more than the fractional one.

Email rohit@unfoldingvalues.com with your company name, ticker, and one sentence on the pain point. You'll hear back from Rohit — not a junior, not a form-response — within one business day.

Email rohit@unfoldingvalues.com