Finzanza Finance

One of the most frustrating moments for founders is realizing their business is clearly growing—sales are up, the team is busy, activity is high—and yet cash in the bank always seems tighter than it should. At first, it’s easy to brush it off. Just a timing issue. A big invoice outstanding. A seasonal dip. But when that tightness becomes the norm, month after month, it starts to weigh on everything. Growth Doesn’t Always Mean More Cash The truth is, revenue growth and cash flow don’t always...

One question we get often: “Okay, but what does a fractional CFO actually do in those first few months?” The honest answer: They help sharpen the entire picture of the business, so you can lead it with more confidence. The First 30 Days: Listening and Diagnosing This phase is mostly about absorption. We dive into the existing financials—cash flow patterns, current reporting, forecasts (if they exist), and where decisions tend to get stuck. But it’s not about rushing in with changes or...

Founders often frame the CFO decision purely as a cost comparison. “How much will this person run me?” But in reality, it’s more of a capital allocation choice—where you’re deploying limited resources for the biggest return. A full-time CFO’s base salary is just the starting point. Factor in equity (often 1–5% or more), health benefits, 401(k) matching, payroll taxes, and the months it takes for them to fully grasp your business model. And if the hire doesn’t work out? The opportunity cost...