Bridges Advisory Group
Stripe Partner

Fractional CFO at the Moments That Matter

Senior finance leadership for fundraise, growth phase, turnaround, and exit – for founders building in vertical SaaS, B2B payments, and FinTech.

See resultsHow we work

Founders bring us in when the next decision is one they cannot afford to get wrong

From fundraise to exit, through hyper growth and turnaround. We’ve supported founders in the board room and beyond.

“Tim navigated Kabbage through near-zero runway — bringing financial discipline and analytical rigor — and prepared us for a premium exit.”
Rob FrohweinRob FrohweinCo-Founder & CEOKabbage
“Tim brought financial clarity that let us scale profitably, grow the team, invest in sales & marketing, and move fast without worrying about cash or risk.”
Levon BrutyanLevon BrutyanCo-Founder & CEOCollectly · Healthcare SaaS
“We expanded too fast, but underestimated our cash needs. Tim modeled our options which helped get our investors back on board.”
Nick SteeleNick SteeleCFOStimLabs · Life Sciences SaaS

When a SaaS CFO just won’t cut it

Addressing credit risk, raising debt facility, negotiating Stripe contract. SaaS experience isn’t enough for companies processing payments.

Influence decisions

In hypergrowth or a turnaround, the Payments CFO knows whom to hire and when, aligns the team, and shapes decisions rather than only informing them.

Negotiate a premium

Investors discount payments companies as risky. The Payments CFO builds the narrative that frames that risk as a strength, which takes deep industry knowledge.

Raise debt

Lenders underwrite payment volume, losses, and advance rates, so the Payments CFO builds the facility model around how they think.

Senior finance judgment for the decisions that are hard to undo

Fractional CFO for vertical SaaS, B2B platforms, and fintech

A CFO who has been through the moments that decide a company, working beside you on the decision in front of you.

Confidence in decisions

We translate what the model shows into the hiring, spending, and pricing decisions that shape the business, and stay to see them through.

Board and investors

Quarterly board preparation and participation, plus investor reporting, so directors and investors hear one story backed by the same numbers.

Compelling story

We position the company the right way for the outcome you want, whether that is a raise, a turnaround, or a sale.

Starting from

$15,000

/month (includes strategic finance services)

Explore Pricing

Four weeks from first model to a term sheet on a $100M facility

Case study

How pre-revenue fintech Keep Financial negotiated a $100M credit facility at 88% advance rate

Keep Financial, a fintech platform helping employers attract and retain talent through vesting bonuses, needed to raise a credit facility to fund its loan book. Tim modeled unit economics, GTM efficiency, and risk-adjusted cash flow scenarios to de-risk the facility and support favorable terms with lenders.

Read the case study

$100M

credit facility

88%

advance rate

4 weeks

start to term sheet

Tim Salikhov, The Payments CFO

The Payments CFO who helped fintech founders raise over $400M in debt and equity and deliver $1.1B in exit value.

Tim Salikhov, CFA

The Payments CFO

Meet the team

Four moments when finance decides the outcome

A CFO's job is to steer the company toward the outcome it came for. These are the moments where that matters most.

Moment 1 · Fundraise

Be ready before investors ask

The CFO prepares the company for the raise, then supports it as investors come back with questions and terms.

Keep Financial

$9M in seed, plus $100M credit facility, with a term sheet in 4 weeks.

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Moment 2 · Hypergrowth

Demand is outrunning the plan

The CFO keeps hiring, spend, and cash in step with demand, so growth does not push the business off the rails.

Collectly

3X growth over two years, with a 1-person finance team.

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Moment 3 · Turnaround

Cash is falling, so decide fast

The CFO shows runway and options in plain terms, so hard decisions get made quickly, with confidence, before cash runs out.

Activate the Magic

From negative cash flow to $50k in monthly profit – in 9 months.

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Moment 4 · Exit

Know how buyers will see you

An experienced CFO has been through exits and knows how buyers think, and brings that judgment to readiness and diligence.

Kabbage

From $50M MRR to zero, through Covid, to a $1B exit to Amex.

Read more →

Embedded, not advisory

We don't hand over a deck and check in next quarter. We work inside your company, next to you.

Side by side

We work alongside you and your team through the situation you're in – the raise, the growth sprint, the hard quarter. A seat at the table, not a call on the calendar.

Always in rhythm

Weekly working sessions to move real work, async in between. Questions get answered when they come up, not when the calendar allows.

Scales with the moment

Engagement scales up when the work is intense – a raise, a diligence cycle – and back down when it isn't. You pay for the intensity you actually need.

Bring in a CFO before the moment arrives

If a raise, a surge, a cash crunch, or a sale is coming, book a call and we will talk through what it takes.

Book an Intro Call

What founders ask before bringing in a fractional CFO

What does an embedded fractional CFO do differently?
An embedded CFO joins team and board discussions, owns follow-through, and works between meetings rather than stopping at recommendations. Here, that means weekly working sessions and async access, with Tim leading the work alongside controllers and analysts.
Should we use a fractional CFO or hire full-time?
Use a fractional CFO when you need senior judgment for planning, funding, or board decisions, but not a daily executive owner. Hire full-time when the role needs day-to-day leadership across the company; the decision is about responsibilities, not an ARR threshold.
What does a fractional CFO do in a fundraise?
In the Fractional CFO engagement, the fractional CFO owns the financial story, board and investor reporting, data-room readiness, and diligence support. Cash Management and Strategic Finance cover the models and analysis at their respective depths. A defined readiness project can be purchased separately.
What can a CFO do when cash is running out?
The first job is a clear view of runway and the options in front of you. From there the CFO helps you make cost, hiring, and funding decisions fast, with the evidence to back them. Speed matters most, because every week of delay costs cash you cannot recover.
Can a fractional CFO help with selling the company?
Yes. Exit readiness, data-room preparation, and diligence support are part of the Fractional CFO engagement, which includes Strategic Finance. A one-off data room readiness engagement is another option for a defined project.
How much does a fractional CFO cost?
Fractional CFO starts from $15,000/month and includes Strategic Finance. It is never a standalone or add-on service. Terms are three months, then monthly, billed on the 1st. After the initial term, cancel with 30 days' notice. Initial model and chart of accounts/accrual rebuilds are included; no onboarding fee.