Fractional CFOs · IFRS + US-GAAP · Month-to-month

Know exactly how much money your business is really making.

Most founders are guessing — revenue's up, but the real profit and where the cash actually went are a mystery. We're the fractional CFO who hands you the exact numbers every month, in plain English, plus the moves to grow them. No full-time hire.

Your real profit, every monthKnow where the cash goesDecide on facts, not gut

No sales pitch · Month-to-month · A real CFO, not a chatbot

Monthly CFO Report — November
Net Profit
€186K
+18%
Cash on Hand
€412K
+€44K
Runway
14 mo
+2 mo
Cash flow — 13 weeksHealthy
Most profitable channel
Direct → Shopify (42% GM)
Hidden leak
FX losses €4.2K/mo
30+
clients worldwide
€2M+
in cash flow protected
10+ yrs
senior CFO experience
IFRS + US-GAAP
multi-entity & cross-border ready
Featured & accredited byForbesSSE StockholmLatvian Banking AssociationTrustpilot
Sound familiar?

Recognize any of these?

Sales are up — but you still can't say what you actually earned last month.

Money in the bank isn't profit.

We make the difference obvious — before it costs you.

Which product, channel, or client actually makes you money?

Most founders are guessing. You shouldn't have to.

Payroll week shouldn't be a surprise.

We see cash gaps coming weeks out — and help you avoid them.

You need CFO-grade thinking — not a six-figure salary and a three-month hire.

Book a Free Consultation
The core offer

The fractional CFO who ends the guesswork.

Every month you get the real numbers — your true profit, where the cash went, and what's driving both — explained in plain English, with the specific moves to improve them. Not a report you file away. A working session that tells you exactly what to do next.

Cash Flow
P&L
Balance Sheet

The three reports every founder needs — set up right and updated monthly.

Explore Fractional CFO
Monthly CFO Report — November
Net Profit
€186K
+18%
Cash on Hand
€412K
+€44K
Runway
14 mo
+2 mo
Cash flow — 13 weeksHealthy
Most profitable channel
Direct → Shopify (42% GM)
Hidden leak
FX losses €4.2K/mo
Free Health Check

How healthy are your business finances?

Answer a few questions and get an instant score across cash, profitability, and financial control — plus the three things to fix first. Free, takes 2 minutes.

Start Free Health Check
72
/ 100
Cash84
Profit68
Control62
Top fixes
  • Build a 13-week cash forecast
  • Separate gross margin by channel
  • Close monthly books by day 10
Why John Galt Finance

The CFO partner built for founders who weren't trained in finance.

Senior operators, not juniors.

You work with experienced CFOs trained at SSE Stockholm — strategy, not just bookkeeping.

Plain-English reporting.

You don't need to read a balance sheet. We translate the numbers into clear next moves.

Built for international & multi-entity businesses.

Multi-currency, cross-border, IFRS and US-GAAP — handled natively.

Month-to-month. Cancel anytime.

No long lock-in contracts.

Full immersion.

We embed in your business and your tools, not just your spreadsheets.

Your numbers stay private.

Confidentiality is written into every contract.

How we work

Four steps from first call to monthly clarity.

01

Book a free call.

We learn your business and your biggest money question.

02

Free financial diagnostics.

We review your current numbers and show you exactly what's missing.

03

Meet your CFO.

You meet the person who'll run your finances — and decide together if it's a fit.

04

Monthly CFO partnership.

Reports, forecasts, and a working session every month — clear actions, not just spreadsheets.

You walk away with a roadmap — the specific moves that improve cash and profit.

Industry expertise

Senior finance for the businesses we know cold.

E-commerce / DTC
SaaS
Professional Services
Retail
Marketplaces
Manufacturing
Real Estate
Startups
Where our clients are

Founders in 12+ countries trust us with their numbers.

Multi-currency, cross-border, IFRS and US-GAAP – natively. From Riga and London to New York and Dubai.

World map showing John Galt Finance clients across EU, UK, US, MENA and APAC
18+
EU
5+
UK
4+
US
3+
MENA & APAC
Founder voices

What our clients actually say.

We finally know what's profitable — and what isn't.

"Within two months we had a real P&L by channel. We killed two unprofitable lines and grew margin 11 points."

Founder, DTC brand

Payroll week stopped being terrifying.

"The 13-week cash forecast alone changed how I run the business. No more Sunday-night dread."

CEO, B2B SaaS

Investor calls are easier now.

"Our data room and metrics held up to due diligence on the first try. We closed our round in eight weeks."

Co-founder, marketplace
Rated on Trustpilot by real clients
Why fractional

In-house CFO vs John Galt Finance

In-house CFO
  • Salary + taxes + bonuses + benefits
  • Months to hire — and months more to ramp
  • One person, one set of blind spots
  • Knowledge walks out if they leave
John Galt Finance
  • Senior CFO experience from week one
  • An outside view that catches what insiders miss
  • Pay only for what you actually need
  • A whole team behind your account

A full-time CFO runs €120K+ a year. Get the same caliber of decision-making for a fraction of that.

Free tools

Built by CFOs. Yours, free.

Free Financial Model Template

The spreadsheet our CFOs use to plan a year ahead.

Get it free

Live Calculators

Runway, unit economics, break-even — instant results, no email needed for these.

Get it free

Founder's Finance Toolkit

Cash-flow, P&L, payment calendar templates in one zip.

Get it free
Free 7-day email course

Founder Finance: finally understand your own numbers.

A free email course for founders who were never taught finance. One short lesson a day – profit vs. cash, the three reports, how to spot a cash gap, the five numbers to watch – each with a plain-English template. By the end, you'll know exactly where your money is.

  • Profit vs. cash, explained
  • The three reports every founder needs
  • How to spot a cash gap weeks early
  • The five numbers to watch monthly

7 emails · one a day · unsubscribe anytime

FAQ

Questions founders actually ask us.

A fractional CFO gives you senior experience from day one, no payroll overhead, and an outside view — at a fraction of a full-time salary.

Stop guessing. Start deciding on facts.

Book a free call with a real CFO. 20 minutes, no pitch – just a clear read on where your money is and what to do next.

No sales pitch · Month-to-month · A real CFO, not a chatbot