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Home/Fractional CFO
Fractional CFO & Virtual CFO

CFO-level finance
without the full-time hire.

A fractional CFO gives you the financial strategy, investor reporting, cash flow forecasting and board-ready numbers of a senior CFO — at a fraction of the cost. For startups approaching their next funding round, businesses managing multi-entity structures, or founders who are tired of running finance on intuition.

Talk to us → Full CFO service detail
SEARCH FOR FRACTIONAL CFO?
Fractional CFO and Virtual CFO refer to the same engagement model — a senior finance professional working part-time on a retainer. Khetanca provides both.
13-week cash flow forecast
Know your bank balance 90 days out. AR ageing, AP schedule, payroll and committed spend all factored in. Updated weekly.
Burn rate and runway
Current burn calculated from actual spend. Runway projected under base, conservative and optimistic hiring scenarios. Updated every close.
Investor-ready board pack
Monthly board pack with P&L, cash position, key metrics, budget vs actual commentary and forward-looking narrative. Delivered by day 5.
Fundraising financial model
Three-year financial model built from your actuals. Revenue assumptions, headcount plan, unit economics, use of funds and cap table impact — investor-ready.
What a fractional CFO actually does

A bookkeeper records what happened.
A fractional CFO tells you what to do about it.

Bookkeeper / accountant
→
Records transactions and closes the books monthly
→
Produces P&L and balance sheet — tells you what happened
→
Answers questions about what already happened
→
Does not build financial models or forecast cash
→
Cannot prepare investor materials or advise on funding structure
Fractional CFO (Khetanca)
✓
Closes the books AND tells you what the numbers mean
✓
Forecasts cash 13 weeks out — you know before the surprise
✓
Prepares board packs and investor reporting every month
✓
Builds financial models for fundraising and strategic decisions
✓
Advises on pricing, hiring cadence and capital allocation
When to hire a fractional CFO

Six signals that bookkeeping
is no longer enough.

🚀
Approaching a funding round
Investors will ask for a three-year financial model, cap table, unit economics, and a data room of historical financials. A bookkeeper produces historical numbers. A fractional CFO prepares the forward-looking package that gets the meeting.
💸
Cash surprises happening regularly
If you are regularly surprised by how little cash is in the account, the problem is not that you need to check the bank more often. The problem is that nobody is forecasting forward. A 13-week cash model updated weekly eliminates cash surprises.
🏗️
Managing multiple entities
US parent, India subsidiary and UAE branch — each with different accounting standards, currencies and compliance requirements. A fractional CFO manages the consolidated view that the founder needs, not three separate P&Ls that never reconcile.
📊
Board needs financial reporting
Once you have investors or a board, monthly reporting is expected — not just financial statements but commentary, variance explanation, and forward metrics. A fractional CFO writes the narrative that turns numbers into decisions.
⏰
Founder is doing finance
If the founder is reviewing expense reports, approving invoices, chasing the accountant for month-end numbers, and manually building cash forecasts in a spreadsheet — that is a fractional CFO problem, not a founder problem.
🔍
Preparing for audit or acquisition
Auditors and acquirers look at the same things: revenue recognition, working capital cycles, related party transactions, and historical accuracy. A fractional CFO prepares the books and the narrative before the review starts — not during it.

Frequently Asked Questions

What is the difference between fractional CFO and virtual CFO?+
In practice, they refer to the same thing — a senior finance professional working on a part-time retainer basis. "Virtual CFO" emphasises the remote delivery model. "Fractional CFO" emphasises the part-time engagement structure. In the Indian startup ecosystem, both terms are used interchangeably. Khetanca provides both as the same service.
How many hours per month does a fractional CFO work?+
Typically 10 to 20 hours per month for a growing business. This covers: reviewing the monthly close, preparing the board pack, updating the cash forecast, one strategy call with the founder, and responding to ad hoc financial questions. Engagements that include fundraising model work require more time and are typically scoped separately.
Do you need a bookkeeper AND a fractional CFO?+
Yes — a fractional CFO works from accurate, closed books. If bookkeeping is late, inaccurate or incomplete, the CFO layer cannot function. Khetanca provides both: the same team closes your books in Zoho Books or QuickBooks and provides the fractional CFO layer. There is no disconnect between the data and the analysis.
Can Khetanca provide fractional CFO services for a US or UAE business?+
Yes. We provide fractional CFO services for businesses in India, UAE, USA, UK, Australia and the Cayman Islands — remotely. For US businesses, we work under GAAP. For UAE, under IFRS. For businesses with entities in multiple countries, we provide consolidated reporting across all entities. The engagement model is the same: monthly retainer, monthly close review, board pack and strategy call.
Related services

The full finance team.

📊
Virtual CFO
Full details on our CFO service — scope, deliverables, what a typical month looks like, and who it is for.
Explore → 📈
FP&A in QuickBooks
Financial planning and analysis built from your QuickBooks data. P&L variance, cash forecasting, KPI dashboards.
Explore → 🏠
Your Finance Team
Bookkeeping plus fractional CFO — one monthly retainer that covers the full finance function from transaction to strategy.
Explore →
Get in touch

Tell us your
situation.

One conversation is usually enough to understand your setup and tell you honestly what we can fix, how long it takes, and what it costs. No obligation.

Phone & WhatsApp +91 94045 42550
Email piyush@khetanca.com
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