No equity. No board seat. No exit required.
Private Equity Expertise. On the Owner's Side of the Table.
A fractional CFO seat for owner-operated companies. Real margin by contract, a cash view you can trust, and one senior CFO accountable for what the business keeps.
Accreto
Monthly Package
Margin by contract
- Contract A
- Contract B
- Contract C
- Contract D
Cash view
What moved and why
- Owner-Operated
- $1M+ Revenue
- No Board of Directors
- Owners Who Want to Keep More
The Distinction
They teach you to run a better company.
We run the playbook a buyer would run, so you keep more of what it earns.
Better operations are a means, not the goal. Every number the seat touches, pricing, margin, cash, reporting, is built around a single question: what would make this business earn more, and keep more of it, whether or not you ever sell.
The Problem
Gut feel isn't a financial strategy.
Most owner-operated companies run the same way they did at half the revenue: the owner makes every real financial call alone, with no one accountable for what those calls do to the company's value. The business can run fine like this for years. It just isn't built to keep much of what it earns.
Decisions made on gut feel
Seven and eight-figure calls, on pricing, hiring, and cash, get made without real numbers behind them because there's no one in the business whose job is the numbers. Every one of those calls either protects margin or quietly erodes it.
Pricing
Rates set by what feels fair, not by margin data, so the business quietly underprices its best work.
Hiring
Headcount added to relieve pressure in the moment, without a model for what the role needs to return.
Cash
Runway tracked by bank balance, not by a forecast, so problems surface only once they're urgent.
The business can't run without you
If every key relationship, decision, and piece of financial knowledge runs through the owner, the business carries risk that never shows up on a P&L, and it stalls the moment you step away.
No clear view of margin by contract
Revenue looks healthy, but without margin by contract it is hard to say which work earns its keep and which quietly drags the business down, and so hard to know where to reprice.
The Analyst
A monthly package that does the analysis you never had time for.
The Analyst is the working layer under the CFO seat. It turns your books into a short monthly package built around the decisions an owner actually has to make.
Margin by contract
Which work earns its keep and which quietly drags the business down, so pricing stops being a feeling.
A forward cash view
Hiring, capital, and large purchases tested against what the business can carry before the decision is made.
What moved and why
A plain-language read on the month, reviewed by your CFO before it reaches you.
The Playbook
One seat. Everything a CFO does. Nothing to choose between.
Pricing and Margin
Financial strategy and forecasting built around one question: what makes this business earn more, and keep more of it. Pricing, scenario modeling, and the calls that used to get made on gut feel now get made against what they do to margin.
Visibility
Real financial visibility that closes the gap between what you think the business earns and what the numbers actually show, and reduces how much of that picture lives only in your head.
Cash
A cash view that looks ahead, so hiring, capital, and big purchases get tested against what the business can carry before the decision is made.
The seat, at a glance
Who It's For
Built for one kind of company, not every kind.
The seat is designed around a specific profile. If this sounds like your business, it's almost certainly a fit.
Owner-Operated
You own and run the business day to day. This isn't built for teams reporting to outside investors.
$1M+ Revenue
The business has outgrown a bookkeeper alone but doesn't need a full-time CFO on payroll year-round.
No Traditional Board
Decisions run through you, not a board of directors or investor committee.
Growth-Minded Owners
You want to know which work earns its keep and what the business can carry, whether or not a sale is anywhere on the horizon.
How We Work
From diagnosis to a fully staffed seat in four moves.
- 01
Diagnose
We review your financials, systems, and cash position to find exactly where margin is leaking today, and where the business depends too heavily on you.
Next step: Install - 02
Install
We set up the visibility, forecasting, and reporting your business has been missing, starting with margin by contract and a forward cash view.
Next step: Operate - 03
Operate
You have a CFO in the seat: real financial visibility, decisions measured against margin and cash, and a standing line to counsel that isn't just closing the books.
Next step: Prepare - 04
Prepare
We build toward whatever is next, growth, a raise, or a sale, with financials a buyer or lender can trust.
Why Owners Choose Accreto
Measured by what you keep.
We don't hand you a dashboard and disappear. We sit in the seat alongside you, every month, until the numbers behind your biggest decisions are no longer a guess.
- Built specifically for owner-operated companies, not repurposed enterprise finance frameworks
- Every decision is measured against what it does to your margin and cash, not just this month's books
- You get one senior CFO, not a rotating bench of analysts or juniors
- No menu of add-on services to upsell into: one accountable seat, one flat price
The Founder
Matthew Unger, MBA
Matthew founded Accreto Growth Partners on a simple premise: plenty of coaches will teach you to run a better company, but almost no one is accountable for what the business earns and keeps. Accreto installs one senior seat, financial strategy, real reporting, and a cash view you can trust, built around those numbers every month.
The Real Cost of Hiring
A full-time CFO costs more than the salary line suggests.
Benefits, payroll taxes, a bonus target, and a recruiting fee typically add fifty to eighty percent on top of base salary before the seat is even filled. Adjust the base salary to see what a full-time hire actually costs against a fixed monthly retainer for the seat.
See the retainer- Base salary$175,000
- Benefits & payroll taxes (25%)$43,750
- Target bonus (30%)$52,500
- Recruiting fee (20%)$35,000
The seat
Fixed monthly retainer, quoted on the call
No recruiting fee, no bonus, no benefits load. Typically a fraction of the full-time hire total above.
Figures are directional, not a quote. They exclude the 90 to 120 day ramp period most full-time hires need to reach full productivity, and any severance or turnover risk if the hire doesn't work out.
Investment
A flat retainer, not a menu of add-ons.
One fixed monthly retainer per tier, agreed before we start. Tiers move as your company grows, not as we decide to charge you more for the same work.
Installation
Fixed monthly retainer, quoted on the call.
The first ninety days a buyer would run: real margins on every contract, a pricing reset, a 13-week cash view, and your baseline against the best in your industry.
The Analyst
Best for $1M to $3.5M. You have the numbers; we make them easier to read.
The engine, installed and running. It surfaces the numbers; you decide what to do with them.
- Monthly package: margin by contract, KPIs, what moved and why
- 13-week cash view, updated weekly
- Outbound that runs every week without you
- Everything the engine produces, unfiltered
CADENCE
Monthly package by day 10, async access
The Seat
Best for $3.5M to $10M, repricing, hiring, or talking to a lender
Everything in the Analyst, plus the decisions. You know your numbers; now you know what to do with them.
The fractional CFO seat, with the same CFO in it every month.
- One decision call a month, every option run against the numbers
- Pricing and repricing, contract by contract
- Hiring and capital tested against the cash view before the offer goes out
- Benchmarked against the best in your category
- Every package checked by a named analyst before it reaches you
CADENCE
One call a month, async access in Slack
The Seat, Strategic
Best for $10M+, or taking on a lender or investor inside 12 months
Everything in the Seat, at board cadence, with the reporting institutional lenders and investors expect to see.
- Weekly leadership meeting, priority response
- Institutional lender and board reporting package
- Annual budget and quarterly reforecast
- Capital readiness: growth debt, a line, or a partial recapitalization
CADENCE
Weekly, with priority response
- Flat pricing, agreed before we start
- No percentage-of-results or commission pricing
- No products to sell you, ever
- Nobody pays us but you
- Tiers move as the company grows
- Three-month minimum on every tier
A flat retainer for every owner-operated company we work with, quoted on the call.
Questions
Answers before you book a call.
The most common questions owners ask before bringing on the seat.
Free Resource
The Owner's Edition
The framework Accreto installs in every engagement, condensed into a guide you can read in one sitting: how to read margin by contract, and the levers that move what the business keeps.
Free for owner-operators doing $1M+ in revenue.
Get Started
Let's talk about what your business is worth.
Schedule a strategy call with the Accreto team. We'll look at where your financial visibility and owner dependency stand today, and map exactly where the seat would start closing the gap.
Pick a time that works for you
Book directly on our calendar. No back-and-forth, just pick an open slot.