As businesses grow, financial management becomes more complicated. Cash flow, reporting, forecasting, compliance, and investor expectations all require oversight beyond basic accounting. A Fractional Chief Financial Officer (CFO) provides that oversight, offering senior-level financial leadership on a part-time or project basis.
With TYM Business Consulting, you get access to experienced, dual-licensed CPAs who bring technical accounting expertise and practical business insight from both the U.S. and Canadian markets. Our role is not to replace your accountant or bookkeeper, but to provide financial structure, visibility, and strategy across your organization. We help founders and executives make informed decisions based on accurate financial data and not assumptions.
When you work with TYM Business Consulting, you get hands-on financial leadership from dual-certified CPAs with U.S. and Canadian business experience.
Our fractional CFO engagements are structured to provide clear financial insight, improve operational efficiency, and prepare your business for long-term growth or key financial events such as fundraising, audits, or acquisitions. Here’s what’s typically included:
Essential accounting for small businesses with clean books and monthly reports
2 Financial Accounts
Up to 100 Monthly Transactions
Transaction Categorization Review
Monthly Financial Statements
Advanced bookkeeping, built for growing companies with more transaction volume
Up to 4 Financial Accounts
Up to 300 Monthly Transactions
Full-Cycle Bookkeeping Service
AR/AP Processing (up to 50/month)
Premium Email & Phone Support
Full-service accounting for scaling businesses, with AR/AP oversight and dedicated support
Up to 6 Financial Accounts
Up to 500 Monthly Transactions
AR/AP Processing (up to 100/month)
Monthly Cash Flow Forecast
Dedicated Bookkeeper
Our fractional CFO model is built to integrate seamlessly into your organization and deliver measurable results. Each engagement begins with a 30-60 day onboarding and financial assessment phase, where we review your current systems, define priorities, and design a roadmap with clear deliverables. From there, we establish a reporting cadence, typically monthly, based on leadership needs and operating rhythm. Services are delivered on a fixed monthly retainer or as a defined project, depending on scope and timelines. All engagements include clear KPIs, documentation, and direct access to senior advisors.
Whether you're strengthening internal controls, optimizing cash flow, or preparing for a transaction, our model delivers flexibility, rigor, and the financial leadership needed to support executive decisions and unlock growth.
Many companies manage their finances based on historical data and static annual budgets, which do not provide sufficient insight to support rapid decisions on hiring, capital investment, or market expansion. Without real-time visibility into cash availability, timing of inflows and outflows, and future funding needs, businesses risk facing preventable shortfalls, delayed growth, or overextension.
TYM Consulting builds dynamic financial models and reporting frameworks that replace guesswork with precise, future-oriented analysis. Our work provides leadership teams with accurate forecasts of cash availability, working capital changes, and investment runway over the next 6 to 12 months, and beyond when required.
We develop and maintain rolling forecasts, scenario plans, and liquidity-tracking systems that are frequently updated and tied directly to operational drivers such as revenue mix, payment terms, cost structure, and headcount planning. These tools support meaningful decision-making on when to hire, when to spend, and how to prepare for a range of potential outcomes, from growth acceleration to unexpected revenue shifts.
What We Provide:
Forecasting & Cash Flow Management
Reporting & Analysis
Strategic Planning Support
Recent Outcome
A multi-location services company in Austin transitioned from static annual budgeting to dynamic forecasting. Within 90 days, they increased model accuracy by 27% and identified $85,000 in preventable shortfalls related to receivables timing, allowing them to reallocate resources and plan expansion without new financing.
How We Work
Book a discovery call to review your current forecast and identify opportunities for improvement.
Improving profitability requires more than expense reductions. It starts with understanding how each product line, customer segment, and operational activity contributes to earnings. Many companies lack visibility into true unit economics and struggle to assess which parts of the business drive profit and which drain resources.
TYM Consulting performs detailed financial and operational analysis to isolate the factors affecting profitability. We review revenue composition, delivery costs, customer and product-level margins, and internal cost allocations to identify structural issues and areas for improvement. This approach goes beyond traditional cost-cutting by addressing pricing strategy, cost efficiency, and resource deployment.
Our work enables leaders to see which offerings generate positive cash flow, which clients or channels may be unprofitable, and where operational inefficiencies are eroding margins. With this insight, organizations can make targeted adjustments that increase profitability while preserving or accelerating growth.
What We Deliver
Margin & Unit Economics Review
Cost Structure & Efficiency
Profitability Reporting
A logistics provider in Chicago expanded into three new markets but struggled with declining profitability. Within the first 90 days of engagement, our analysis revealed margin discrepancies tied to operating costs and underpriced routes. By reallocating costs and updating pricing structures, the company reduced overhead by 18% and restored healthy margins while continuing to scale.
Accurate financial reporting is essential for operational credibility, regulatory compliance, and external review. Many companies struggle to maintain consistent reporting across entities, jurisdictions, and accounting systems, especially when operating in both the U.S. and Canada.
TYM Consulting provides financial statement preparation and oversight led by licensed CPAs. We produce fully reconciled, GAAP-compliant reports and maintain standardized financial documentation across all reporting cycles. For businesses with cross-border operations, we ensure alignment with both IRS and CRA requirements, including tax reporting, entity structure considerations, and consolidated reporting.
Our team manages every reporting stage, from period close and account reconciliation to audit preparation and investor reporting. All statements are reviewed by experienced CPAs for completeness, accuracy, and audit-readiness, ensuring a predictable, compliant reporting process.
GAAP-Compliant Financial Reporting
Audit and Review Preparation
Cross-Border Reporting
A New York-based company undergoing its first external financial review passed with no adjustments after implementing TYM’s CPA-reviewed reporting process, including clean reconciliations, full workpapers, and GAAP-compliant statements.
Securing investment requires more than a strong product or growth story. Investors expect reliable financial reporting, defensible valuations, and a clear view of how capital will be deployed to drive returns. Many early- and growth-stage companies struggle to present this level of clarity without dedicated financial leadership.
TYM Business Consulting supports founders through every stage of fundraising preparation, from financial model development to investor communication. We structure your financial data, validate assumptions, and translate operational plans into investor-ready materials, reducing uncertainty and increasing credibility during negotiations.
We have helped clients streamline financial infrastructure, prepare for due diligence, and present clear financial narratives to venture capital, private equity, and strategic investors. In one Ontario engagement, a tech startup secured $2.4 million in funding after TYM rebuilt its financial model, standardized reporting, and equipped leadership with board-ready investor materials.
Valuation and Deal Preparation
Investor and Board Communication
Financial Governance Post-Funding
Operating across the U.S. and Canada introduces additional complexity in financial reporting, tax compliance, payroll, and entity structure. Differences between IRS and CRA requirements, combined with multiple accounting standards and residency rules, often create confusion and increase the risk of filing errors or avoidable tax exposure.
TYM Business Consulting provides coordinated cross-border accounting support managed by CPAs experienced in both jurisdictions. We align reporting, structure, and tax compliance across entities, ensuring consistency and efficiency in financial management, whether your parent company, subsidiary, or operations are in the United States, Canada, or both.
Dual Reporting and Accounting Standards
Tax and Corporate Structuring
Operational Support
A Vancouver-based company operating in both countries experienced repeated issues with misaligned filings and inconsistent reporting. After implementing a unified cross-border reporting structure through TYM, the business completed IRS and CRA filings without adjustments and streamlined its internal financial controls.
Delayed financial data leads to reactive decisions and preventable risks. Many companies rely on manual reporting processes that take days or weeks to complete, slowing down performance reviews, cash visibility, and operational accountability.
TYM Business Consulting builds automated financial systems using cloud-based accounting platforms such as QuickBooks, Xero, and Sage, combined with custom KPI dashboards that pull live data from multiple sources. This gives leadership teams immediate access to key financial and operational metrics, without waiting for month-end results. Our clients typically reduce reporting time by 30-40% after implementation, while gaining real-time visibility into cash flow, revenue performance, unit margins, and expense trends.
System Integration and Automation
Custom KPIs and Dashboards
Ongoing Support and Oversight
Hiring a full-time Chief Financial Officer is often not feasible for early-stage or mid-sized companies, as total compensation can exceed $200,000 annually when including salary, bonuses, and benefits. A Fractional CFO offers access to the same level of financial expertise and leadership at a significantly lower cost, with the flexibility to scale support as business needs change.
TYM Business Consulting provides Fractional CFO services through engagement models designed to match your current stage and priorities:
Engagement Options
Monthly Retainer
Ongoing financial leadership and reporting support for companies that need consistent oversight of cash flow, budgeting, and performance tracking.
Project-Based Engagements
Structured support for specific initiatives such as fundraising preparation, system migrations, financial modeling, or audit readiness.
Interim CFO Services
Short-term leadership to bridge executive transitions, fill gaps during hiring, or support rapid scaling.
Typical Range and ROI
Fractional CFO retainers typically cost a fraction of a full-time hire, with fees based on scope and complexity. Many clients see measurable returns within 60-90 days through cost restructuring, cash flow improvements, or enhanced investor readiness.
TYM Business Consulting delivers senior-level financial leadership with the flexibility of a fractional model. Our team is led by CPAs certified in both the United States and Canada, providing deep expertise in cross-border accounting, tax strategy, and financial operations. We work closely with founders, operators, and finance teams to turn financial data into actionable strategy while ensuring full compliance and operational clarity.
We combine strategic finance and hands-on operational support to help businesses install scalable financial systems, increase margins, and prepare confidently for investors, audits, and growth.
Let’s discuss your financial priorities and determine the right support model for your business. Book a consultation to explore next steps.
Whether you're a startup, an established business, or somewhere in between, we understand that every situation is unique. Let’s explore tailored packages or custom services that align with your goals and budget.
