Pilot keeps your books clean. Bridges builds the finance infrastructure to close your next round.

Key takeaways

  • Purpose-built for vertical SaaS, B2B payments, and FinTech with complex billing operations — usage-based billing, transaction revenue, and hybrid GTM models
  • Seasoned payments CFO Tim Salikhov leads every engagement, supported by experienced controllers and financial analysts to deliver accurate financials by the 10th business day
  • Bridges leverages its operating experience to help leaders in payments raise capital, grow, and prepare for exit

Choose Pilot for clean books at seed. Choose Bridges when the strategic questions get hard.

Pilot is the right choice if you're pre-seed or seed and your primary finance problem is accurate bookkeeping at a fair price. Bridges is right once you've crossed $3M ARR and the questions get harder — which bets to make with your runway, whether the revenue model works at scale, and how to build the finance infrastructure your next round depends on.

Bridges vs. Pilot: Side-by-Side

ComparisonPilotBridges
Primary positioningSoftware-enabled bookkeepingStrategic finance for vertical SaaS
Industries servedStartupsVertical SaaS, B2B payments, FinTech
Target ARRPre-seed to Seed$3M–$30M
Funding stagePre-seed to Series ASeed to Series B
Who does the workRotating teamsTim Salikhov on every engagement
Accounting includedCore productAdditional service
Books finalized by15th–20th business day10th business day
Pricing$6,000–$12,000/mo (fractional CFO and bookkeeping) (1)$1,750–$2,750+ (accounting) + $10,000–$15,000(2) (fractional CFO)
Fee modelTiered by transaction volumeFlat monthly fee
Onboarding fee$10,000–$20,000None. Setup and chart-of-accounts rebuild included.

(1) Pilot's published prices start at $999/month for bookkeeping for companies with $150,000+ in monthly expenses, and $5,250 per month for custom fractional CFO support. These are published prices as of October 22, 2026.

(2) Strategic Finance starts at $10,000 per month. Fractional CFO, which includes Strategic Finance plus board and investor reporting, starts at $15,000 per month.

How Pilot Works

Pilot uses software to categorize transactions, paired with a bookkeeper team for human review. Founders get clean monthly financials at a predictable price without a full-time accounting hire.

Pilot's CFO services include budgeting, forecasting, and investor reporting. Their fractional CFOs follow a standardized framework, and the majority have never worked inside a company. The service is better at describing what happened last month than shaping what should happen next.

Pilot is best for

  • Pre-seed and seed companies under $3M ARR
  • Founders who need accurate books at a predictable, accessible price
  • Companies where bookkeeping is the primary finance problem
  • Teams not yet ready for a full CFO engagement

Watch out for

  • CFO service follows a standardized framework — not built for complex revenue models
  • Limited depth in vertical SaaS, payments, or usage-based billing
  • High staff turnover means rotating teams and lost continuity

How Bridges Works

Bridges is a boutique strategic finance firm. Tim Salikhov serves as CFO on every engagement, supported by controllers and financial analysts. Concurrent engagements are kept to 10 to 15 at any time — to optimize for outcome, not volume.

Every member of the Bridges team spent 10–20 years operating inside vertical SaaS, B2B payments, and FinTech companies — as VP Finance, Controllers, and Strategic Finance leads. Bridges takes on clients post-seed, supports them through Series B, and ensures a clean transition to an in-house VP Finance when the time comes.

The first 4–6 weeks are the most intensive. Bridges rebuilds the financial infrastructure from the ground up — billing operations, payment processing, data labeling, account mapping, and connecting all financial systems to a single source of truth. Concurrently, Bridges builds the strategic finance infrastructure: financial model, unit economics analysis, and go-to-market review informed by CRM data and operator experience.

Bridges is best for

  • B2B SaaS at $3M–$30M ARR in vertical markets
  • Companies with payments, usage-based billing, or hybrid revenue models
  • Founders who need strategy and financial operations under one roof
  • Companies heading into a Series A or Series B raise

Watch out for

  • Not the right fit for pre-seed companies whose primary need is bookkeeping
  • Bridges does not work with horizontal SaaS, e-commerce, biotech, or hardware
  • Bridges keeps concurrent engagements to 10 to 15 — availability is limited

Choose a Fractional CFO With Experience in Your Industry

Pilot serves startups across any sector. Bridges only works in verticals where the team has spent careers. Generic SaaS benchmarks don't capture businesses with payment layers, usage-based billing, or enterprise contracts. A CFO applying standard frameworks to a payments-enabled platform is giving advice built for a company you're not running.

ComparisonPilotBridges
Industries servedStartupsVertical SaaS, B2B payments, FinTech
Funding stagePre-seed to Series ASeed to Series B
ServicesBookkeeping, outsourced operations, CFO servicesCFO advisory, strategic finance, controller

Track Record That Matters When Hiring a Fractional CFO Firm

Pilot serves over 1,000 clients across startups, small businesses, and professional services firms but publishes no outcome data. Bridges keeps engagements small enough that each one moves the needle — and publishes the numbers because they're worth publishing.

ComparisonPilotBridges
Companies served1,000+31
P&L managedNot disclosed$950M
Fundraising supportedNot disclosedOver $400M
Exit value supportedNot disclosed$1.1B

Team Stability Is the Foundation of a Successful Fractional CFO Engagement

At Pilot, you're assigned a bookkeeper team and a CFO team. Pilot employs 300+ people and turnover is high. Based on first-hand experience as a Pilot client, it's common to cycle through four different teams in 15 months. Every transition means lost context and a finance partner who doesn't know your business.

At Bridges, Tim Salikhov is the CFO on every engagement. Controllers and financial analysts support the work, but Tim is the point of contact throughout — from onboarding through transition.

ComparisonPilotBridges
ExperienceCPAsSaaS operators: VP Finance, Strategic Finance, Controllers
Who does the workRotating teamsTim Salikhov on every engagement
Accounting supportCore offeringAdditional service
Tax supportThrough partnersThrough partners

What to Expect After You Hire a Fractional CFO

Bridges reaches steady state in 4–6 weeks and delivers finalized books by the 10th business day. The first weeks are spent rebuilding billing operations, mapping accounts, and connecting all financial systems to a single source of truth — so the reporting that follows is accurate from the ground up.

Based on first-hand experience as a Pilot client, Pilot typically closes books between the 15th and 20th business day and takes 2–4 months to reach steady state.

ComparisonPilotBridges
Time to steady state2–4 months4–6 weeks
Finalized books by15th–20th business day*10th business day

*Based on first-hand experience as a Pilot client.

Great Fractional CFOs Set a Clear Communication Standard

Pilot runs a proprietary categorization platform with human review layered on. Bridges operates as a boutique — 10 to 15 engagements at a time — with official partnerships with Stripe, Rillet, and Tabs, and custom automation built on Claude.

ComparisonPilotBridges
Tech stackProprietary platformStripe, Rillet, Tabs (official partner)
Custom automationBasicYes
Communication cadence72+ hours24-hour guarantee (1 hour in practice)

The Best Fractional CFOs Price for Outcomes, Not Hours

Pilot's published starting prices are $999/month for bookkeeping for companies with $150,000+ in monthly expenses and $5,250/month for custom fractional CFO support, as of October 22, 2026. For an average engagement, Pilot charges $6,000–$12,000/month for monthly fractional CFO and bookkeeping services, on a quarterly commitment. CFO services are priced separately on top of that. Pilot also typically charges an onboarding fee of $10,000–$20,000.

Bridges charges $1,750–$2,750+/month for accounting and $10,000–$15,000+/month(2) for fractional CFO on a flat monthly fee, with strategic finance and accounting under one roof. No onboarding fee. Three-month initial commitment, then month-to-month.

ComparisonPilotBridges
Fee modelTiered by transaction volumeFlat monthly fee
Pricing$6,000–$12,000/mo (fractional CFO and bookkeeping) (1)$1,750–$2,750+ (accounting) + $10,000–$15,000(2) (fractional CFO)
Contract flexibilityQuarterly commitment3-month initial, then month-to-month
Onboarding fee$10,000–$20,000None. Setup and chart-of-accounts rebuild included.

(1) Pilot's published prices start at $999/month for bookkeeping for companies with $150,000+ in monthly expenses, and $5,250 per month for custom fractional CFO support. These are published prices as of October 22, 2026.

(2) Strategic Finance starts at $10,000 per month. Fractional CFO, which includes Strategic Finance plus board and investor reporting, starts at $15,000 per month.

Choosing Bridges or Pilot depends on your goals

Choose Pilot if…

  • You're pre-seed or seed and need accurate books at a fair price
  • Bookkeeping is the primary finance gap right now
  • You're watching burn carefully and not ready for a full CFO engagement
  • Your board isn't yet asking hard strategic questions

Choose Bridges if…

  • Bridges runs a B2B SaaS company at $3M+ ARR in a vertical market
  • Revenue includes payments, usage-based billing, or hybrid models
  • The strategic questions are harder than the bookkeeping
  • Accounting and strategic finance under one roof is the priority
  • Targeting a Series A or Series B raise

Talk to a partner, not a sales rep

A 15-minute call is enough to tell you which firm is actually right for your stage and model. If Pilot is the better fit, we'll say so.

Book a Call

Frequently Asked Questions

Which fractional CFO is better for B2B SaaS founders - Bridges or Pilot?

Choose by the work you need, not funding stage alone. Bridges offers Cash Management below $3M ARR for Series A preparation, Strategic Finance above $3M ARR, and Fractional CFO for post-Series A board accountability. If bookkeeping is your main need, compare the accounting scope separately.

What does Bridges offer that Pilot does not?

Bridges is first and foremost a CFO advisory and strategic finance firm. Bridges exists so that companies can achieve a specific outcome — raising capital, scaling operations, navigating a transition, or pursuing an exit. Pilot exists for general monthly reporting.

Pilot markets CFO services as a core offering, but their fractional CFOs follow a standardized framework, and the majority have never actually worked inside a company. The Bridges team has 10–20 years each of operating experience inside B2B SaaS companies. That difference shows up in the quality of the advice — and in the outcomes.

Bridges also fixes broken systems at the source. The most common problem found when opening the hood on a new client is that billing architecture was built for cash accounting — Stripe payouts reconciled to the bank, with actual revenue left untracked. Bridges fixes that. Pilot reports what's there.

Does Pilot just close the monthly books, or can it actually help the business?

Pilot's CFO services provide budgeting, forecasting, and investor reporting support. For a seed-stage company, that's often sufficient. The limitation shows up once the board starts asking harder questions — about unit economics, runway scenarios, or whether the growth plan is coherent.

Pilot's CFO service follows a standardized framework built on top of a bookkeeping-first infrastructure. It's better at describing what happened last month than at shaping what should happen next.

What is the pricing difference between Bridges and Pilot?

Pilot's published starting prices are $999/month for bookkeeping for companies with $150,000+ in monthly expenses and $5,250/month for custom fractional CFO support, as of October 22, 2026. For an average engagement, Pilot charges $6,000–$12,000/month for monthly fractional CFO and bookkeeping services, on a quarterly commitment. CFO services are priced separately on top of that. Pilot also typically charges an onboarding fee of $10,000–$20,000.

Bridges charges $1,750–$2,750+/month for accounting and $10,000–$15,000+/month for fractional CFO on a flat monthly fee, with strategic finance and accounting under one roof. No onboarding fee. Three-month initial commitment, then month-to-month.

What is the difference between Bridges and Pilot?

Bridges focuses on vertical SaaS, B2B payments, and fintech. Cash Management fits companies below $3M ARR preparing for Series A; Strategic Finance fits companies above $3M ARR; Fractional CFO fits post-Series A board accountability. Tim leads every engagement. Fractional CFO starts from $15,000/month and includes Strategic Finance.

Which fractional CFO firm is better for B2B SaaS companies raising capital?

Bridges. The team has supported over $400M in fundraising across 31 companies, working directly with founders and boards to build the financial models, unit economics, and investor narratives that hold up under due diligence. Every member of the Bridges team spent 10–20 years as an operator before doing this work. They've been through the fundraising process from the inside.

Pilot can prepare financial statements and provides some fundraising guidance through webinars and office hours. Fundraising support is not a core competency the way it is at Bridges.

Who actually does the work at Bridges? At Pilot?

At Bridges, Tim Salikhov is the CFO on every engagement, supported by controllers and analysts. Clients work directly with Tim from onboarding through transition, not whoever was assigned after the contract was signed. Based on first-hand experience as a Pilot client, it is common to cycle through four different teams in 15 months - repeated onboarding, lost context, and a finance partner who does not know your business.

When should I choose Pilot over Bridges?

Compare Pilot when bookkeeping is the main need. Being below $3M ARR does not exclude you from Bridges: Cash Management is built for that stage when you are preparing for Series A. Bridges controller services are separately priced, and one-off modeling and financial diligence are also available.