North Carolina Based · Serving Businesses Nationwide
Your Business Is Growing. Your Financials Should Keep Up.
Certum Solutions provides fractional CFO and controller services for businesses in Charlotte, NC and nationwide — senior-level financial leadership, without the full-time cost.
You've built something real. Revenue is coming in, the team is growing, and decisions are getting bigger. But your financials still look the same as they did when you were half this size. That's the gap a fractional CFO fills. At Certum Solutions, we step in as your outsourced financial leadership; handling cash flow planning, forecasting, reporting, and strategic advisory — so you can make decisions based on real numbers, not guesswork.
500+
businesses across Charlotte metro and nationwide
Multi Award Firm
QuickBooks, Clutch, MISys & More
A+
Rated on BBB.com
15+
Years in Business
✔️ Woman-Owned & BBB Accredited
✔️ Accountants Who Speak Tech
✔️ Platform-Agnostic Advisors
✔️ Local Roots, National Reach
The Problem
When You're Running the Business, Who's Running the Numbers?
Most growing businesses hit a point where their bookkeeper can't keep up; and a full-time CFO isn't in the budget. That's where things start to slip.
If any of these sound familiar, you're in the right place:
You're not sure exactly where your cash will be in 60 or 90 days
Your accountant can tell you what happened, but not what's coming
You're making hiring or spending decisions on gut instinct, not projections
A bank loan, investor, or acquisition is on the horizon and your financials aren't ready
You've grown past $1M in revenue and financial reporting still feels like guesswork
Not Ready Yet?
Not quite there yet? If your books need cleanup before you're ready for CFO-level strategy, that's exactly what our bookkeeping and cleanup services are for. We'll get your financials in order — then build from there.
Not sure if you need full fractional CFO support or something lighter? Our Bookkeeping Advisory Add-On offers a monthly check-in and advisory review as a lower-commitment starting point for businesses that aren't ready for a full CFO engagement.
Fractional CFO services from Certum Solutions gives you the financial clarity to make better decisions, without adding a $200,000+ salary to your payroll.
Our Services
Fractional CFO & Controller Services — Built for Growing Businesses
Certum Solutions offers two levels of financial leadership support. Most clients start with one and add the other as they grow.
Fractional CFO Services
Strategic financial leadership for businesses ready to scale with clarity.
Cash flow planning & 13-week rolling forecasts
Annual budget creation and ongoing variance analysis
Financial modeling for growth, pricing, and hiring decisions
KPI dashboard design and reporting
Bank and lender preparation — covenant tracking, financial packages
Board and investor reporting
Guidance on financing, equity, and capital allocation
Strategic advisory on M&A, exit planning, or operational expansion
Fractional Controller Services
Day-to-day accounting management and financial accuracy — handled for you.
Month-end close process management and financial statement preparation
Accounts payable: vendor bill entry, coding, and payment reconciliation
Accounts receivable: invoice tracking, payment posting, and open balance reporting
Payroll accounting: posting payroll summaries, employer taxes, and journal entries from your payroll processor
Sales tax bookkeeping and multi-jurisdiction filing support
Inventory accounting and cost of goods sold reconciliation
Multi-entity bookkeeping and consolidated reporting
Chart of accounts design, cleanup, and optimization
Internal controls review and audit readiness
Coordination with your external CPA or tax preparer; or we handle tax in-house
The Certum Difference
Most fractional CFO providers give you one person. When that person is unavailable, you wait. Certum Solutions works differently. Every CFO engagement is backed by a full internal team:
A senior accountant who reviews your books monthly, not just the CFO
An in-house bookkeeping team handling day-to-day transaction recording and reconciliation
A project manager on every account to keep work moving and nothing overlooked
Tax professionals on staff who handle your business return (1120-S, 1065, 1120-C) and your personal return
ERP & software specialists who can implement or fix your accounting systems when the CFO engagement surfaces a need for better tools
We're also vendor-agnostic. We work in QuickBooks, Odoo, Xero, Intuit Enterprise Suite, and most major systems. We don't push a platform, we recommend what's right for your business. And we serve businesses at every stage, from pre-revenue startups to $30M+ companies. No minimum revenue requirement.
Experienced controllers. Smart decisions. Better business decisions.
Gain visibility into your business performance
Understand profitability, cash flow, inventory movement, and operational trends in real time.
Build systems that scale with growth
Replace disconnected spreadsheets & manual processes with integrated financial and operational workflows.
Make decisions with confidence
Get accurate reporting, strategic guidance, and financial clarity before problems become expensive.
Addtional Services We Offer
You Might Also Need
Before strategy, you need clean books.
We handle the cleanup so your CFO engagement starts right. See our Bookkeeping & Cleanup Services
Your CFO and your taxes should work together.
Integrated tax prep for businesses with complex financials. See Our Business Tax Services
The right software makes CFO work faster.
We implement QuickBooks, Odoo, and Xero — and then support them.
How It Works
How Fractional CFO Engagements Work at Certum Solutions
Step 1: Discovery Call
We start with a free consultation to understand your business, your financials, and what you actually need. No generic sales pitch — we want to know your specific situation before we recommend anything.
Step 2: Financial Assessment
Before we engage, we review your books, reporting, and systems. If your accounting is in good shape, we move straight to CFO-level work. If there's cleanup needed first, we'll tell you that clearly — and we can handle it.
Step 3: Engagement Scoping
We scope your engagement based on what you actually need — not a generic package. Whether you need 5 hours of strategic advisory a month or a more hands-on controller role, we build around your business.
Step 4: Ongoing Support
You get a dedicated financial lead who knows your business, backed by the full Certum team. We're available by phone, email, and scheduled calls — and we integrate with your existing systems and team.
Industries We Serve
Fractional CFO Services Across the Industries We Know Best
Generic financial advice doesn't work when your business has job costing, multi-channel inventory, or complex entity structures. Our team has real experience in the industries that need a CFO who understands how they operate.
Construction & Trades
Pain Point: Job costing is bleeding your margins and you don't see it yet.
Services: job costing, WIP schedules, subcontractor management, bonding requirements
Manufacturing & Distribution
Pain Point: You're producing product but not sure which SKU actually makes money.
Services: cost accounting, inventory valuation, margin analysis, production planning
Retail & eCommerce
Pain Point: Multi-channel revenue looks great on paper. Your margins tell a different story.
Services: multi-channel revenue, COGS management, inventory turnover, platform integrations
Startups
Pain Point: Your runway is finite. Do you know exactly when it ends?
Services: runway modeling, investor reporting, financial infrastructure from the ground up
Fractional CFO Services for Nonprofits
Pain Points: Grant reporting, fund accounting, and audit prep are a full-time job.
Includes: fund accounting, restricted vs. unrestricted fund tracking, grant expense reporting, board financial packages, Form 990 preparation and filing (990-N, 990-EZ, 990 Full Form, and 990-T for UBIT), and SC Annual Financial Report and registration for South Carolina-registered organizations.
We also offer quarterly bookkeeping packages for smaller nonprofits with lighter transaction volume, so you don't pay for more than you need.
Real Results
Fractional CFO Services We've Delivered — Real Businesses, Real Results
“They are transparent and honest. Unlike other companies that will simply nod and say they can do it all, Certum will ensure that the client is aware of limitations or incompatibilities early on, further helping establish expectations before the project is afoot.”
— James Frey, IT Consulting Case Study
4.7/5.0 average client rating on Google | Platinum Partner — Summit Hosting | Featured Partner Profile — QuickBooks.com | Zoho Partner | Xero PartnerYour business deserves more than backward-looking reports
If you're making major decisions on hiring, pricing, growth, investment, or cash flow; without a financial strategist in your corner, you're doing it on instinct alone. Our fractional CFO and advisory services give you executive-level financial guidance without the full-time cost. Tell us what you're navigating right now and let's talk through how we can help.
Prefer to call? (980) 210-6946
Reviews
What Our Clients Say About Working With Certum
Every ERP implementation is different — the platform, the timeline, the data, the team. What stays consistent is how we work: transparent scoping, direct communication, and ongoing support after go-live. Here's what clients across manufacturing, construction, e-commerce, and professional services have said after working with us.
“Top notch group of people, from the owner to the staff we work with on a daily basis. They are always courteous, efficient and forward-looking. We could not ask for a better business partner and highly recommend their services!”
— Rachel B.“Great attention to detail. Friendly staff and quality service. When we first came to Certum Solutions our company was growing faster than our books could keep up. They caught us up to speed and help keep us ahead of the game and out of trouble. Great company and I would recommend them highly.”
— Mike J.“Certum is a very efficient and helpful business in all areas needed. Katherine and Sarah were extremely helpful and knowledgeable! They are very great people! I would recommend them hands down to anyone who needs help with their books and/or business! Certum is a great company!”
— Sherena T.Fractional CFO Business Resources
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A fractional CFO is a part-time or project-based financial executive who provides high-level strategy,
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Frequently Asked Questions About Fractional CFO Services
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A fractional CFO is an experienced Chief Financial Officer who works with your business on a part-time or project basis. Instead of hiring a full-time CFO at $200,000+ per year, you get the same senior-level financial leadership — cash flow planning, forecasting, financial reporting, and strategic advisory — at a fraction of the cost.
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A fractional CFO for a small business handles financial strategy, cash flow forecasting, budget planning, KPI reporting, and guidance on major financial decisions. They fill the gap between a bookkeeper and a full-time executive, giving owners real financial clarity without the full-time salary.
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A fractional controller manages the accounting function — month-end close, financial statements, internal controls, and reconciliations. A fractional CFO operates at the strategic level — cash flow planning, investor reporting, financial modeling, and advising leadership. Certum Solutions provides both and can deliver the right level of support for where your business is today.
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Most small and mid-size businesses invest between $1,500 and $6,000 per month for fractional CFO services — significantly less than the $180,000–$250,000 annual salary of a full-time CFO. Certum Solutions offers custom pricing based on your needs.
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You should consider a fractional CFO when your business is growing past $1M in revenue, when you struggle with cash flow visibility, when you need to prepare for a bank loan or investor funding, when your books are clean but you lack financial strategy, or when major decisions require more than a bookkeeper can provide.
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Yes. Certum Solutions provides fractional CFO and controller services to businesses in Charlotte, NC, Monroe, NC, and the surrounding Charlotte metro area, as well as nationwide. Our team works remotely and on-site depending on client needs.
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Certum Solutions provides fractional CFO services to businesses in construction and trades, manufacturing and distribution, retail and e-commerce, professional services, nonprofits, and startups. We have deep experience in industries with complex financial operations including inventory, job costing, and multi-entity structures.
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Yes. Cash flow planning and forecasting is one of the core services a fractional CFO provides. Certum Solutions builds 13-week and rolling cash flow models that give business owners clear visibility into when money is coming in and going out, allowing for better decisions on hiring, purchasing, and financing.
Ready to Get Your Financials Under Control?
Whether you need strategic CFO-level guidance, a tighter accounting function, or both — Certum Solutions can build the right engagement for where your business is today. Get started with a free consultation. No commitment, no sales pressure — just an honest conversation about what your business needs.
Call Certum 980-210-6946 help@certumsolutions.com