The finance department your business needs — without the headcount.
Bookkeepers record what happened. Accountants file your taxes. Credecta does what neither does — it runs your numbers and drives the decisions, from day-to-day accounting through forecasting and strategy, for one predictable fee instead of four salaries.
Most finance help stops where the real questions start.
A bookkeeper records the past. An accountant keeps you compliant. Neither tells you what to do next. Here's exactly where Credecta fits.
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| Bookkeeper | Tax accountant | Full-time CFO | Credecta | |
|---|---|---|---|---|
| Records & closes the books | ✓ | — | — | ✓ |
| Tax filing & compliance | — | ✓ | — | With your CPA |
| Monthly reporting & KPIs | — | Limited | ✓ | ✓ |
| Forecasting & scenarios | — | — | ✓ | ✓ |
| Pricing, margin & strategy | — | — | ✓ | ✓ |
| Sits in decisions & executes | — | — | ✓ | ✓ |
| Typical cost | Low | Per filing | $250k+ / yr & equity | One flat monthly fee |
Most clients keep their tax CPA and hand everything else to Credecta.
Your whole finance function, in one partner.
You don't need to build a department — a bookkeeper, then a controller, then an analyst, then a CFO. Credecta is all of it: from the day-to-day books, up through reporting and strategy, to actually putting the plan to work.
See the decision before you make it.
The work happens in a forecast, not a rearview mirror. We turn your numbers into a clear picture of what's ahead — modeled three ways, so a new hire, a price change, or a slow quarter never catches you off guard.
- A driver-based forecast tied to how your business actually earns and spends
- Better, expected, and worse scenarios for every big move
- A monthly check-in comparing the plan to reality, then adjusting the path
Everything a CFO owns, delivered fractionally.
Engage one service or the full finance function. Each is run by a senior practitioner and built to hand back to your team.
Fractional CFO
A dedicated finance leader in your corner — owning the numbers, sitting in on key decisions, and translating strategy into a financial plan you can run on.
Forecasting & scenario planning
Budgets and rolling forecasts modeled three ways — better, expected, and worse — so you can see how today's decisions play out before you commit to them.
Cash flow & working capital
13-week cash forecasts, runway visibility, and disciplined management of receivables, payables, and inventory — so you never get surprised by the bank.
Profitability & pricing
Where you actually make money — by product, channel, and customer — so you can price with confidence, protect margin, and put effort where the return is.
Reporting & KPI dashboards
A monthly insight report and a live dashboard of the numbers that matter — clean closes and board-ready financials you can actually read and act on.
Finance systems & automation
The right accounting stack, ERP, and automations wired together — replacing spreadsheet sprawl with a finance operation that scales as you grow.
We speak the numbers that drive your business.
Different models live or die by different metrics. We focus on the ones that move yours.
SaaS & subscription
MRR, churn, CAC payback, and runway — so you know which growth is actually profitable and how long your cash really lasts.
Ecommerce & DTC
Margin by SKU and channel, cash tied up in inventory, and true ad ROAS — so you scale what makes money, not just revenue.
Agencies & professional services
Utilization, project margin, and the gap between billings and cash — so growth doesn't quietly starve your bank account.
Products & light manufacturing
Unit economics, landed COGS, and inventory planning — so pricing and production decisions rest on real numbers, not hunches.
A clear path, from first call to compounding results.
No long lock-ins. We start where you are, prove value fast, then expand only where it pays off.
Discovery & review
A focused look at your numbers, systems, and goals. You leave the first calls with a clear read on what's working and what's costing you money.
Plan & model
We build the forecast, the reporting cadence, and a prioritized roadmap — agreed with you before any retainer begins, scoped to your stage.
Run the function
Your CFO works on a regular cadence — closes, forecasts, board prep, and decision support — as a true extension of your leadership team.
Compound & hand off
As you grow, we deepen capital strategy, strengthen the team, and prepare a clean handoff to in-house finance whenever you're ready.
Built for the businesses between a bookkeeper and a boardroom.
If your finances have outgrown a spreadsheet but a full in-house team is a stretch, you're exactly who Credecta is for.
See if we're a fit ↗How clearly can you see your business?
Six things every founder should be able to answer "yes" to. Tick the ones that are true for you today.
Pricing, built around your business.
No rigid packages. We scope one predictable fee to your size and the work that actually moves the needle — with no long lock-ins. Every engagement includes:
- Books closed & reconciled every month
- Management report + live KPI dashboard
- Rolling forecast with better / expected / worse scenarios
- A monthly strategy call with your finance lead
- Your finance lead on call between meetings
The things founders ask us first.
Is Credecta outsourced accounting, or just advice?
How is this different from hiring finance staff in-house?
Do you work with our existing accountant and tools?
What size businesses do you work with?
How does pricing work?
Is our financial data kept secure and confidential?
Let's pressure-test your numbers.
On a free 30-minute review we'll look at your numbers, flag the two or three things costing you the most, and tell you honestly whether we can help. No pitch, no obligation — you'll leave with something useful either way.