We are growing, but cash is tight
Sales are up and the P&L looks fine, yet the bank account stays under pressure. Working capital eats the growth.
Fractional CFO for ambitious companies
CFO-level expertise exactly when you need it.
In a Fractional CFO model — flexibly matched to your current challenges — I put your financial structure in order, optimise liquidity and profitability, and prepare the business to scale, raise financing or go through an M&A process.
- Experience
- 20+ years
- Environment
- Capital groups
- Working model
- Fractional
banking and finance
Poland and abroad
without a full-time cost
The goal
Decision-making calm, backed by numbers
Stable liquidity, predictable results, reliable management reporting and decision support on the key initiatives: financing, cost optimisation and strategy.
I don't sell a ready-made template. The scope is defined after the zero audit — within the agreed time and price ranges.
Does this sound familiar?
The situations where we usually meet
Nobody knows what actually earns
The company is profitable “overall”, but no one can point to which product, client or channel is losing money.
Reports that say nothing
Accounting closes the month, data sits in several files, and the board still decides on gut feeling.
A conversation with a bank or investor
You need a financial model, numbers and arguments — and the materials get built in a rush at the last minute.
No plan going forward
Instead of a budget and a liquidity forecast — reacting after the fact, once the problem has already materialised.
A CFO is needed, but not full time
The company is not big enough for a full-time finance director, yet financial decisions already carry serious weight.
Services and areas of support
Four areas of work
Liquidity and cash flow management
- Building and maintaining a 13-week and an annual cash flow model
- Monitoring and optimising the cash conversion cycle
- Working capital management
Reporting, budgeting and management KPIs
- Annual operating and financial budget
- Monthly Master Dashboard with KPIs, unit economics, CAC and LTV
- Budget-vs-actual variance analysis with recommendations for the board
Financing and external relations
- Preparation for debt financing
- Financial model and investment teaser for VC, PE and business angels
- Representing the company in talks with banks, auditors and funds
Strategic advisory and cost optimisation
- Profitability analysis of products, services, clients and sales channels
- Identifying and implementing savings in fixed and operating costs
- Support in company valuation, M&A processes and exit strategy
Engagement packages
Three levels of involvement
Basic
approx. 10–15 h / month
- Cash flow model review
- Monthly performance report
- 1 strategic meeting per month
Price set individually
Growth
approx. 25–40 h / month
- Margin and cost optimisation
- Participation in board meetings (2× per month)
- Support in banking relationships
Price set individually
Strategic / Scale
approx. 50+ h / month or dedicated interim
- Raising an investor or debt financing
- Process restructuring and oversight of the accounting team
- On-demand access for the CEO
Price set individually
Final pricing is set individually based on the analysis of the scope and specifics of the assignment.
Onboarding process
From the zero audit to ongoing work
Stage 1week 1–2
Zero audit and quick alignment
Review of reports, costs, contracts and the accounting model, plus identification of quick wins.
Stage 2week 3–4
Tools and reporting architecture
Financial model in Excel / Google Sheets / BI, a liquidity forecast and KPIs tailored to your industry.
Stage 3from month 2
Ongoing strategic management
Regular board meetings, budget execution control, representation towards external parties and day-to-day decision support.
Specialisations
Where I am strongest
Liquidity and working capital
Cash conversion cycle, inventory, receivables and payables arranged so growth does not end in a cash squeeze.
Debt and equity financing
Preparing the data, the model and the narrative, and leading conversations with banks, funds and investors.
Unit economics
Margin per product, client and sales channel, including CAC and LTV — a real basis for pricing decisions.
Valuation, M&A and exit
Getting the finances in order before the process, plus support in valuation, the transaction and the exit strategy.
Over 20 years of management experience in banking and finance, gained within leading capital groups in Poland and abroad.
Ortus Finance runs on a partner model: you work directly with me, not with a rotating team of juniors.
Contact
The first conversation is free and to the point
30–45 minutes about your situation. You leave with an opinion on what to fix first — whether or not you decide to work together.