Fractional COO and CFO

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Benefits of a Part-Time (Fractional) COO

Streamlining Daily Operations

Many lawncare companies start with just one truck and a few workers, but as demand grows, chaos often sets in. Crews overlap routes, jobs run late, and customers complain about missed services. As a part-time COO, I step in on-site weekly to organize schedules, streamline routes, and set up systems so crews know exactly where to be and when. This reduces wasted time and improves customer satisfaction.

Building Processes That Scale

Too often, everything depends on the owner—answering calls, quoting jobs, dispatching workers. I help create standard operating procedures (SOPs) that make the business run smoothly, even when the owner isn’t there. With clear steps for quoting, billing, and service delivery, the company can grow without burning out the leadership team.

Managing Teams and Tracking Performance

Employee turnover is a constant challenge in lawncare. I work directly with staff and managers to improve accountability, training, and communication. By tracking key performance indicators—like customer retention, job completion times, and average revenue per route—we know what’s working and where to improve.

Turning Plans Into Action

Most lawncare owners want to expand into landscaping, add trucks, or service more neighborhoods. My role as COO is to take those ideas and turn them into action steps—budgeting for new equipment, hiring the right staff, and making sure expansion happens profitably.

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Benefits of a Part-Time (Fractional) CFO

Managing Cash Flow with Rolling Budgets

Construction businesses face a unique challenge: cash inflows rarely match cash outflows. You might collect a deposit today but won’t see the next payment until major milestones are hit—while payroll, materials, and subcontractors demand cash weekly. As a part-time CFO, I build rolling cash budgets that give owners a clear, forward-looking view of their money.

Rolling Budgets vs. Static Budgets

A static annual budget is almost useless in construction because project timelines change constantly. A rolling cash budget updates every month (or even weekly), adjusting for actual inflows and expenses. This keeps the owner aware of whether they’ll have enough cash in 30, 60, or 90 days to keep projects moving.

Improving Profitability and Funding Readiness

With detailed forecasts, I help owners spot when projects will hit tight spots and recommend actions—such as delaying equipment purchases or renegotiating vendor terms. These financial models are also valuable when applying for lines of credit or bank loans, since lenders want proof the company understands its cash position.

Driving Confident Growth

By visiting on-site weekly, I work directly with the owner and project managers to align financial planning with real-world operations. Instead of reacting to cash shortages, the business can proactively manage projects, pay bills on time, and take on new opportunities with confidence.

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Transcript: Fractional CFO Services

Introduction

Hey all, Dr. Paul Borosky here. I am the owner of Quality Business Plan. And for this video, what I'd like to talk about is my fractional CFO services.

The way the video is going to play out is first and foremost, I’ll give you a little bit of background about me—who I am, what I do, and why I do it. Then, we’ll dive into some of my fractional CFO services that I offer startups as well as small businesses looking to expand, grow, or optimize.

About Dr. Paul Borosky

As promised, a little bit about me. Again, Dr. Paul Borosky, MBA. I am a professional business writer—specifically a business plan and strategic plan writer. I’ve been doing that for about 11 to 12 years now, working with small businesses, startups, and even midsize businesses.

I’m also a published author of numerous business and finance books. My dissertation is also published—it focused on motivation in the trucking industry. Finally, I am a subject matter expert and adjunct professor for business and finance, a role I’ve held for about 13 years. So, I’ve got both academic and real-world experience in business and finance.

Service 1 – Financial Models and Pro Forma Projections

My most popular fractional CFO service involves creating pro forma financial projections and custom financial models.

These include:

• Cash Flow Statements that project your business’s cash position 30, 60, 90, or 365 days ahead—something standard accounting software rarely provides.

• Customized Profit and Loss Statements tailored to your business and industry, ideal for both internal analysis and investor presentations.

• Pro Forma Income Statements and Balance Sheets for the next three to five years—excellent tools for business planning and executive decision-making.

Service 2 – Budgeting and Forecasting

The second service I offer as a fractional CFO is budgeting and forecasting.

Every business needs a clear budget—covering expected revenues, expenses, and allocations for advertising and payroll. However, most small businesses overlook variance analysis—comparing actual results to the budget.

My CFO services include:

• Annual Budgets

• Rolling Budgets (updated monthly or quarterly)

• Variance Identification and corrective planning to keep your business financially aligned.

Service 3 – Key Performance Indicators (KPIs)

The third popular CFO service I provide involves identifying and developing Key Performance Indicators (KPIs).

A KPI tracks what truly drives your business—whether that’s website visitors, conversion rates, or production efficiency. I help clients define, document, and monitor these KPIs to ensure performance targets are met and growth goals are achieved.

For example, if you sell bicycles, a KPI might be tracking the number of website visitors needed to reach a desired sales volume. We’ll establish the metrics, track them, and adjust strategies as needed.

Closing Remarks

Hopefully, this information was helpful. If you’d like to learn more about my Fractional CFO Services, feel free to reach out. My contact number is right here, and you can also visit my website for pricing and detailed explanations of each CFO service.

As always, go out there, have a great day, and make a little bit of money. Thank you.

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About the Author: Dr. Paul Borosky, MBA.

Hey All, Dr. Paul Borosky, MBA, DBA here. As the founder of Quality Business Plan, I specialize in working directly with small business owners on-site, one day a week or more, as a part-time (fractional) COO and CFO. My role is to strengthen daily operations, integrate AI into daily business usage, build financial models, manage cash flow, and help owners make confident, data-driven decisions.