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Fractional Financial Controller

Know your numbers.
Own your growth.

The financial clarity your business has been missing.

Most small business owners work hard, keep their books clean, and still feel financially in the dark. I help you change that — with monthly financial reporting, deep analysis, and the kind of insight that turns numbers into decisions.

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Why You Need This

You're Running a Business. But Are You Really Running the Numbers?

You know your revenue. But do you know the full story behind it?

"Am I actually profitable, or just busy?"
"Can I afford to hire someone right now — or will it break me?"
"Why does my bank account never seem to reflect what I'm earning?"
"Which part of my business is making me money, and which part is quietly draining it?"
"Will I have enough cash next month to cover payroll and vendors?"
"Where did all my profit go?"

These aren't small questions. They're the questions that determine whether your business grows, stalls, or struggles — and most small business owners don't have anyone helping them answer them. That's exactly what I do.

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82%
of small business failures
are tied to cash flow problems
The #1 Reason Businesses Fail

It's Not Lack of Revenue.
It's Cash Flow.

Not bad products. Not lack of customers. Not even lack of profit. A business can be growing, busy, and profitable on paper — and still run out of cash at exactly the wrong moment.

Most small business owners don't see it coming until it's already a crisis. I make sure you always see it coming. Monitoring your cash flow — where it's going, when it's tight, and what's ahead — is one of the most important things I do for every client, every single month.

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What I Do

What a Fractional Financial Controller Does — And Why It Matters

Your bookkeeper records what happened. A CFO sets your long-term strategy. A fractional financial controller does the critical work in between.

I take your financial data and turn it into insight. I tell you what your numbers actually mean, where your business is strong, where it's leaking, and what you should do about it.

"Fractional" means you get my full expertise without paying a full-time salary. Most small businesses don't need a fractional financial controller 40 hours a week. They need 8–15 focused hours a month from someone who genuinely knows what they're looking at. That's exactly what I offer.
What's Included

Every Month, All Month

Every engagement includes a clear, organized, customized monthly report delivered to you every month. But it doesn't stop there. Throughout the month, I'm available for questions, additional analysis, and anything that comes up financially as you run your business. You're not just buying a monthly report. You're getting a financial partner who's in your corner all month long.

01
Profit & Loss Analysis
A thorough review of your income statement: revenue trends, gross margin, net profit margin, and operating expenses. I flag what changed, what's concerning, and what's moving in the right direction.
02
Balance Sheet Review
A snapshot of your financial health: cash position, what you're owed, what you owe, and whether your business foundation is solid. I track your current ratio and working capital so you always know where you stand.
03
Cash Flow Analysis & Planning
I separate what you earned from what you actually collected — because they're not the same thing. I flag any upcoming cash gaps and make sure you're never caught off guard.
04
KPI Tracking & Trend Analysis
I track the numbers that actually tell the story of your business — gross margin, net profit margin, accounts receivable aging, cash on hand, revenue vs. prior month, expenses as a percentage of revenue, month-over-month growth rate, and more. You'll always know where you stand and where you're headed.
05
Profitability Breakdown by Service, Product, or Client
I go deeper than the overall P&L to show you exactly which parts of your business are driving profit and which aren't. Which service is your strongest? Which product is underperforming? Which client takes the most time but brings the least return?
06
Budget vs. Actual Report
How did your real results compare to the plan? I identify where you overspent, where you came in under, and what it means going forward.
07
On-Demand Reports
Come to me with anything, anytime throughout the month. Need a quick cash flow check before a big purchase? Want to know how a specific expense is affecting your margin? Just ask — I'm here all month, not just when the report drops.
08
Custom Financial Analysis
Tailored deep-dives into specific business decisions: expansion, new service lines, hiring, pricing changes. Whatever you're considering, I'll give you the numbers to back it up.
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Is This Right for You?

Who I Work With

This is for you if...

  • You have clean or near-clean books but don't know how to read or use the results
  • You're making important decisions without solid financial data to back them up
  • You want to understand not just your overall numbers, but what's driving them
  • You're ready to grow — and want the numbers to guide you

Probably not the right fit if...

  • You're primarily looking for bookkeeping services
  • You need tax preparation, audit, or compliance services
  • You don't yet have any bookkeeping in place

If you've ever looked at your financials and thought "I know the story is in here somewhere, I just don't know how to read it" — this is for you.

Why Work With Me

Meet Goldy Lichter

Goldy Lichter — Fractional Financial Controller
Goldy Lichter
Fractional Financial Controller
📊
Real, hands-on experience.
I've spent years building financial reports, profitability analyses, and management dashboards for real businesses across multiple industries.
✦
Reports built for your business.
I don't send generic templates. Every report is tailored to what actually matters for your industry, your size, and your goals.
📅
Available all month.
Not just when the monthly report arrives. I'm here throughout the month for questions, on-demand reports, and anything that comes up financially as you run your business.
🌿
Genuinely invested in your growth.
You're not a ticket number. I'm genuinely motivated by helping businesses understand their numbers and reach their full potential.
Packages & Pricing

Simple, Transparent Packages

Every package includes a customized monthly financial report with the option to schedule a follow-up call anytime. See the services section above for full details on each deliverable.

Essentials
Clear, reliable monthly financial oversight
✦
Profit & Loss AnalysisRevenue trends, margins, and operating expenses reviewed and explained
✦
Balance Sheet ReviewCash position, receivables, payables, and key financial health indicators
✦
Cash Flow Analysis & PlanningWhat you earned vs. what you collected, and what's coming
✦
KPI SummaryYour most important financial metrics, tracked and delivered every month
Most Popular
Growth
For businesses actively making decisions and planning ahead
Everything in Essentials, plus:
✦
Profitability BreakdownExactly which services, products, or clients are making money — and which aren't
✦
Budget vs. Actual ReportReal results vs. the plan, with clear explanations of what changed and why
✦
KPI Tracking & Trend AnalysisDeeper, growth-focused metrics and month-over-month pattern spotting
Signature
The complete financial picture, every month
Everything in Growth, plus:
✦
On-Demand ReportsAny report or analysis you need, whenever you need it throughout the month
✦
Custom Financial AnalysisDeep-dives into specific decisions: hiring, expansion, new service lines, pricing changes
✦
First-Priority ResponseAs a Signature client, your requests move to the front of the line
Compare Packages at a Glance
ServiceEssentialsGrowthSignature
Profit & Loss Analysis✓✓✓
Balance Sheet Review✓✓✓
Cash Flow Analysis & Planning✓✓✓
KPI Summary✓✓✓
Profitability Breakdown by Service, Product, or Client—✓✓
Budget vs. Actual Report—✓✓
KPI Tracking & Trend Analysis—✓✓
On-Demand Reports——✓
Custom Financial Analysis——✓
First-Priority Response——✓

Packages start at $400/month. Book a free discovery call to find out which package is right for your business.
Any report or analysis not included in your package is available for an additional fee.

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The Process

Getting Started Is Simple

01
Complimentary
Discovery Call
A 15–30 minute conversation to understand your business, your books, and what you're trying to accomplish. We'll figure out together whether this is the right fit.
02
One Time
Onboarding
I review your existing financials, get set up in your books, establish your KPIs and reporting templates, and align on what a successful engagement looks like for your specific business.
03
Every Month
Ongoing Engagement
Every month you receive a complete, customized financial package — clearly explained and tailored to your business. Review it on your own time, reach out with any questions, and schedule a follow-up call whenever you'd like. Throughout the month, I'm available for any additional analysis or reports you need.
FAQ

Questions I Hear Most Often

Do I still need a bookkeeper?
Yes — and a good one makes everything work better. Your bookkeeper keeps your financial records accurate and up to date. I take those records and turn them into analysis, reporting, and insight your business can actually act on. The two services work hand in hand. If you don't have a bookkeeper, I'm happy to help you find one.
How is this different from my CPA?
Your CPA looks backward — they file your taxes and tell you how last year went. I work with you every month, looking forward, so you always know where you stand and can plan ahead.
What if my books aren't in great shape?
It happens more than you'd think. I'll assess what we're working with during onboarding and get things to a clean starting point before the monthly work begins.
How much of my time does this take?
Very little. Each month you receive a complete financial package to review at your own pace. I'm also available throughout the month for any questions or additional reports. Think of it less like a monthly service and more like having a financial expert in your corner all month, every month.
How do I know if I'm ready?
If you're generating consistent revenue, making decisions that feel like guesses, and want to grow with confidence — you're ready.
Let's Connect

Choose What Works Best for You.

Send a Message

Have questions first? I'm happy to connect over email before anything else.

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or

Schedule a Call

Ready to talk through your numbers? Book a free 15–30 minute discovery call and let's figure out if we're a good fit.

📞
Free Discovery Call
15–30 minutes · No commitment
✦We'll review your current financial setup
✦I'll answer any questions you have
✦We'll find the right package for your business
Book a Discovery Call →

Or reach me directly at

goldy@goldenfinancialpartners.com