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
| Comparison | Pilot | Bridges |
|---|---|---|
| Primary positioning | Software-enabled bookkeeping | Strategic finance for vertical SaaS |
| Industries served | Startups | Vertical SaaS, B2B payments, FinTech |
| Target ARR | Pre-seed to Seed | $3M–$30M |
| Funding stage | Pre-seed to Series A | Seed to Series B |
| Who does the work | Rotating teams | Tim Salikhov on every engagement |
| Accounting included | Core product | Additional service |
| Books finalized by | 15th–20th business day | 10th 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 model | Tiered by transaction volume | Flat monthly fee |
| Onboarding fee | $10,000–$20,000 | None. 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.
| Comparison | Pilot | Bridges |
|---|---|---|
| Industries served | Startups | Vertical SaaS, B2B payments, FinTech |
| Funding stage | Pre-seed to Series A | Seed to Series B |
| Services | Bookkeeping, outsourced operations, CFO services | CFO 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.
| Comparison | Pilot | Bridges |
|---|---|---|
| Companies served | 1,000+ | 31 |
| P&L managed | Not disclosed | $950M |
| Fundraising supported | Not disclosed | Over $400M |
| Exit value supported | Not 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.
| Comparison | Pilot | Bridges |
|---|---|---|
| Experience | CPAs | SaaS operators: VP Finance, Strategic Finance, Controllers |
| Who does the work | Rotating teams | Tim Salikhov on every engagement |
| Accounting support | Core offering | Additional service |
| Tax support | Through partners | Through 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.
| Comparison | Pilot | Bridges |
|---|---|---|
| Time to steady state | 2–4 months | 4–6 weeks |
| Finalized books by | 15th–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.
| Comparison | Pilot | Bridges |
|---|---|---|
| Tech stack | Proprietary platform | Stripe, Rillet, Tabs (official partner) |
| Custom automation | Basic | Yes |
| Communication cadence | 72+ hours | 24-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.
| Comparison | Pilot | Bridges |
|---|---|---|
| Fee model | Tiered by transaction volume | Flat 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 flexibility | Quarterly commitment | 3-month initial, then month-to-month |
| Onboarding fee | $10,000–$20,000 | None. 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