Accounting — Fractional CFO
A fractional CFO gives your business senior financial leadership — forecasting, board-level reporting, fundraising readiness and cash-flow strategy — on a part-time basis, at a fraction of a full-time hire's cost. FMCA's fractional CFO service is delivered by the same senior team that manages your bookkeeping and IFRS reporting, for UAE and KSA businesses that need CFO-level thinking before they need CFO-level headcount.
Reviewed by FMCA's Senior Accounting Advisory Team — CPAs and former Big Four auditors serving 500+ UAE and KSA SMEs.
Four areas of senior financial leadership, delivered part-time rather than as a full-time hire.
Rolling forecasts and budget-to-actual tracking that catch problems months before they show up in the bank balance.
Board decks and investor updates built on numbers a senior consultant stands behind, not a template filled in by whoever's free.
Active management of receivables, payables and runway — not a monthly report that arrives after the decision was already made.
The financial narrative and model investors and banks actually ask for, prepared before it's requested.
A full-time CFO and a fractional CFO aren't the same spend at different sizes — they're structured completely differently.
Most businesses don't need 40 hours a week of CFO attention — they need the judgment on-call for board prep, a fundraise, or a cash-flow decision that can't wait for the next scheduled review. A fractional arrangement buys that judgment without the six-figure fixed cost of a full-time seat.
A fractional CFO isn't the right next step for every business at every stage.
Our Approach
A fractional CFO is only as useful as their judgment. FMCA's CFO support is delivered by consultants with Big Four backgrounds who've sat inside real finance functions — not generalist consultants adding "CFO" to a service list.
How We Work
Illustrative scenarios based on the kind of work we do — not descriptions of specific named clients.
Board-ready financial reporting and a rolling forecast built from scratch ahead of a scheduled raise, replacing ad-hoc spreadsheets founders were assembling themselves.
Working capital position modeled and corrected weeks ahead of a facility renewal, after management accounts flagged a receivables gap the bookkeeper's monthly report hadn't surfaced.
Explore Further
Dedicated pages covering the full scope of related work — explore each in depth.
Related Insights
FAQ
A full-time CFO in the UAE typically runs AED 120–180K per month all-in (salary, benefits, visa, insurance). A fractional engagement starts around AED 25–35K per month for the same strategic input, scaled to the hours your business actually needs.
Most engagements run 8–30 hours a week depending on stage — lighter for steady-state reporting, heavier in the run-up to a raise, audit, or board meeting.
Yes — financial modeling, investor reporting and data-room preparation are core parts of the role, and FMCA's CFO work connects directly into our fundraising advisory practice.
Alongside — a fractional CFO operates one level above day-to-day bookkeeping and accounting, using the same records rather than duplicating them.
Engagements are typically month-to-month with no long lock-in, and hours can flex up ahead of a fundraise or board cycle, then back down once that period passes.
Tell us where things stand and a senior consultant will get back to you directly — not a call centre.
