The Process

Four steps to structured financial leadership

Senior financial leadership sized to the stage your business is in, with a clear path from first call into a working partnership. The early read on the books happens fast, and the engagement keeps adjusting as the business does.

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Discovery call

Share your challenges and goals. We listen, assess fit, and outline potential engagement.

30 min · Free · No commitment

Financial assessment

Deep dive into financials, operations, and growth levers. Identify quick wins.

1-2 weeks · Diagnostic report

Custom scope

Tailored engagement plan with clear deliverables, cadence, and success metrics.

Flexible hours · Month-to-month

Embedded partnership

Your fractional CFO integrates with your team, driving results from day one.

Ongoing · Measurable ROI

Four Steps

Discovery to partnership in four steps

A clear process designed for speed and results.

Discovery Call

A short, free conversation. One of us picks up, you describe the business and what is currently in front of you, and we talk through whether a fractional CFO seat would actually move the needle. No pitch, no sales pressure. If the fit is wrong, we say so directly.

Financial Assessment

Both of us read the books, the current reporting, and the cash position together. You walk away with a candid summary of where the financials are working, where the seams are, and the two or three priorities that should move first. Hidden margin tends to surface during this read.

Custom Scope

From the assessment we propose an engagement shape that matches the work in front of you. A lighter monthly partnership, a deeper weekly cadence, or a defined project for one clear question. You approve the scope before any ongoing work starts.

Ongoing Partnership

We become part of how financial decisions get made. We sit inside the monthly leadership review, answer the question that lands between meetings, and stay accountable for the financial result the business posts each quarter. Tax, cash, and reporting move forward together inside the services embedded in your operations.

Your Financial Partner

Your CFO, embedded in your day-to-day operations

Embedded means we are present where the financial decisions actually happen. In the leadership review when capex comes up, on the call when a customer payment slips, looking ahead with you instead of reporting on what already happened. Meet the partners behind the numbers and the work each of us leads.

SBA Accounting & Tax Solutions partners working alongside an owner-led business in Fresno

Why Fractional

Same expertise. Smarter model.

Senior financial leadership without the headcount of a full-time hire. The model flexes with the business, scales up when the calendar gets heavy, scales back when the work settles, and keeps the same partner team on every read. See our engagement levels and how each one fits.

Day-one expertise without the hiring process
Flex hours up or down each quarter
No recruitment or onboarding overhead
Consistent advisor across all financial areas
Works inside your business rhythm

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SBA Accounting & Tax Solutions › Cash Flow 13-Week

Cash Position $0 0%

AR Outstanding $0 0%

AP Due $0 0%

Runway 0 0

Cash Forecast 13 weeks

Working Capital

Receivables 45% Payables 30% Operating 25%

Monthly Burn

Liquidity

85% Quick Ratio

72% Current

91% Coverage

The Approach

Not an outside advisor. A financial partner embedded in your business.

Month after month, the engagement runs on a real working rhythm. Reviews land on the calendar, the dashboard reflects what happened in the operating month, and the questions that come up between meetings get answered the same week. Tax, cash, and reporting stay on the same page because the same partners read all three.

Structured CFO meeting cadence
Financial dashboard you actually use
Direct access via phone and email
Monthly financial review sessions
Integrated tax and cash flow strategy

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KPI scorecard

KPI	Target	Actual	Δ
Revenue	$210K	$224K	+6.7%
Margin	32%	34.2%	+2.2pp
Cash flow	$28K	$31K	+10.7%
AR days	30	38	+8d
Utilization	80%	72%	-8pp

Monthly narrative

What changed? Revenue up 6.7%, AR crept to 38 days

Why does it matter? Cash conversion slowing despite growth

What should we do? Tighten collections, review payment terms

Next review

✓ KPI scorecard

✓ Cash forecast

✓ Narrative drafted

— Feb action items

Decisions logged 14 this quarter

AR alert 38d → 30 target

3 of 5 KPIs on target

Partnership

Working alongside you, not handing down a report

Hiring us is not hiring a consultant who delivers a deck and disappears. Both partners read every engagement at intake, and the partner whose strengths fit the work leads it. The cadence and the working rhythm are clear from the first week.

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Two partners reviewing financial dashboards together at a Fresno workspace

Your Fractional CFO

The people behind the numbers

Cindy Leddicotte

Managing Partner, Fractional CFO

Cindy is the firm’s managing partner on the financial-systems and turnaround side. She spent decades as a Controller and business consultant before co-leading SBA Accounting & Tax Solutions, with deep expertise in accounting, financial management, and operational improvement. Her track record includes turning around struggling businesses across construction, nonprofit, and manufacturing, and finding more than $750,000 in recovered revenue for clients. She’s a QuickBooks ProAdvisor known for getting books reconciled, dashboards working, and owners back in control of their numbers.

George Leddicotte

Managing Partner, Fractional CFO

George Leddicotte is a seasoned business consultant and serial entrepreneur with a diverse background spanning the military, corporate leadership, and management consulting. As Co-Founder of SBA Accounting & Tax Solutions, he works directly with business owners to improve performance, strengthen operations, and drive profitable growth. Since launching the firm in 2009, George has helped build a full-service advisory practice focused on accounting, tax strategy, and business consulting solutions. Known for his strategic insight and hands-on approach, he is committed to helping businesses overcome challenges and achieve long-term success.

Common Questions

About the process

How quickly does the engagement ramp up?

The first weeks are about getting current. We pull access to the books, the operating systems, and the current reporting, sit with the team to learn how things actually run, and set the meeting cadence before the first review. The first working session lands inside the first month, with real numbers and a short list of priorities tied to your business. If something is already on the calendar that cannot wait, we structure the early scope around it.

Who does the fractional CFO interact with on our side?

Owner first, then whoever else needs to be in the conversation. That tends to be the bookkeeper for the monthly close, the filing CPA on tax timing and entity questions, and any operations or sales leader whose decisions touch the financial picture. We connect the work across the team rather than duplicate it, so the bookkeeper and the CPA keep doing what they do best.

Do you work with businesses in my industry?

Probably yes. Industry experience between us spans construction, nonprofit, manufacturing, and a long roster beyond that, and we adapt the engagement to your business once we have read it. The discovery call and the written assessment give us full context before we recommend a single thing, so the work fits where you actually are rather than a generic playbook.

Can I adjust the engagement after the first quarter?

Yes. After the first quarter, sit-downs to right-size the engagement become routine. If the work has gotten heavier, we lift the cadence; if a stretch settles, we pull back. The shape changes as the business does, without a fight over the contract.

SBA Accounting and Tax Solutions is the best accounting company I have ever worked with. They have helped my business successfully navigate through the COVID Pandemic and come out even stronger than before. Staff are always available to answer my questions and offer any assistance requested. I highly recommend this wonderful company.

Karen Wilson

Executive Director

George is very helpful, reliable & my experience with George and his team is always great!

Bert

I have been a customer of SBA Accounting for 8 years. Cindy reconciles four business bank accounts for me each month. I have found their work to be quick, reliable, and accurate, even when my data entry errors make the job more difficult. I am a very satisfied customer who highly recommends SBA Accounting & Tax Solutions.

Brad Kendall

I have been a customer for several years. It has been a pleasure to work with SBA Accounting. They are very professional and their customer service is excellent. I definitely recommend this firm!

Naomi Tan

We are so happy to have found George and Cindy at SBA Accounting & Tax Solutions to help us navigate our personal taxes but especially our business taxes when we were first starting our business. I can honestly say we couldn’t have done it without them!

Colby Carmicheal

Business Owner

I have been with SBA Accounting for over 6 years and they have been very attentive to my needs. As my business has grown they have provided suggestions to minimize the tax implications. Cindy always returns my calls and emails promptly and their customer service is excellent

Michael Andes

Business Owner