FRACTIONAL CFO FOR MULTI-SITE & SEASONAL BUSINESSES

Financial clarity for Owners who can’t afford to guess

Strategic finance leadership for hospitality groups, government contractors, and seasonal businesses — without the cost of a full-time CFO.

30%
Forecast accuracy improvement
7
States managed
$100M+
Portfolio oversight
10+
Years leadership experience
Who I Work With

Owners who need structure, clarity, and foresight

I partner with growth-minded Owners — from remote resorts to regional government contractors — who want structure in their reporting, clarity in their numbers, and foresight in their next move. Whether you’re facing seasonal swings, multi-site complexity, or preparing a bid, we build a clear financial rhythm for the year ahead.

“I help you make confident decisions that keep you ahead of your cash flow, your competition, and your next move.”

Belflower Finance headshot
Ben Belflower, BelflowerCFO
Services

CFO-level support focused on outcomes

Tools can generate forecasts. What most teams need is a steady rhythm: cash visibility, clear assumptions, owner-friendly reporting, and decision support when it matters.

💧

Cash Clarity Package

13-week rolling cash flow, weekly alerts, and working capital strategies.

📊

Forecast to Action

12-month forecasting with scenario planning and KPI dashboards.

💡

Owner’s Edge

Strategic finance partner with ongoing founder/GM coaching.

📝

Pro Forma & Financial Modeling

Investor/bid-ready models with scenario analysis.

🔧

Financial Reset Intensive

One-time deep dive with an action plan for rapid improvement.

Why Work With Me

AI can give you numbers. I help you make them matter.

Strategic Foresight

I turn forecasts into leadership tools that guide action.

Complexity Simplified

From 180+ P&Ls to seasonal swing planning, I make the messy clear.

Decision Support

I’m your sounding board for pricing, hiring, and investment trade-offs.

Team Empowerment

I coach GMs and Owners to understand and own their numbers.

Industry Expertise

Built for complex, multi-Owner environments

Hospitality Groups
Government Contractors
Multi-Unit F&B Owners
Outdoor Recreation & Tourism
Property Management Firms

Book a Free Financial Quick Look

30 minutes, no strings attached. We’ll review your numbers and identify 2–3 actions you can take right now.

Package Details

Pick the engagement that fits your decision load

Each package is designed to solve a specific financial pain point, with clear outcomes and a fast start.

Owner’s Edge

An ongoing CFO partnership for owners who want clarity, confidence, and better decisions — without adding full-time overhead.

Most owners don’t struggle because they lack financial reports. They struggle because every decision has financial consequences — and no one is pressure-testing those decisions as they’re made.

Hiring too early or too late. Expanding before cash can support it. Delaying price changes because the downside feels unclear. These aren’t spreadsheet problems — they’re decision problems.

Owner’s Edge is designed for this stage. It’s an ongoing CFO-level partnership focused on helping you think clearly through trade-offs, timing, and risk — so you can move forward with confidence instead of second-guessing.

Who Owner’s Edge is for

  • Owners making decisions that affect cash, people, or growth
  • Leaders balancing expansion with financial discipline
  • Businesses that want judgment and context — not just analysis

What this partnership looks like

  • Ongoing oversight of cash flow and forward-looking forecasts
  • Decision modeling for hiring, pricing, capital spending, and expansion
  • Regular working sessions to talk through real decisions as they arise
  • Clear, concise financial insight tied directly to action

The outcome

Fewer surprises. Better timing. Clear trade-offs.

You stop reacting to the numbers and start using them as a leadership tool.

Cash Clarity Package

Stop guessing where cash will be in 30, 60, or 90 days.
Now Weeks 0�1 Near-Term Weeks 2�4 Decision Window Weeks 5�9 Forward View Weeks 10�13
Cash problems don�t appear suddenly � they move through predictable zones.

Cash problems rarely come from bad months — they come from timing gaps no one saw early enough.

This package gives you a simple, reliable cash view so decisions stop feeling risky.

Most operators don’t fail because the business isn’t profitable. They struggle because cash timing is unpredictable.

This package delivers a rolling, reliable view of cash so you can stop reacting week-to-week and start planning with confidence.

Who it’s for:

  • Seasonal or multi-site operators
  • Businesses with cash surprises despite solid P&Ls

What we do:

  • Build a 13-week rolling cash flow forecast
  • Tie cash movement to collections and payables
  • Establish a simple weekly cash rhythm
Outcome: You know what’s coming and what decisions are safe to make — before cash becomes a problem.

Forecast to Action

Turn your forecast into a decision-making tool.

Most businesses have a forecast.

Very few use it to make decisions.

A forecast is only useful if it changes behavior.

If your budget lives in a spreadsheet but decisions happen elsewhere, it’s not doing its job.

This package turns forecasting into a shared operating tool, not a finance exercise.

Many businesses have a forecast. Very few actually use it to make better decisions.

This package connects your forecast to hiring, pricing, and spend decisions with clarity your team can follow.

Who it’s for:

  • Growing teams with unused budgets
  • Leaders wanting scenario clarity

What we do:

  • Build a 12-month forecast with assumptions
  • Model best/base/worst cases
  • Establish a monthly operating cadence
Outcome: Decisions grounded in shared financial reality.

Pro Forma & Financial Modeling

Confidence before you commit.
Built to Confirm a Plan
Assumptions stay untested.
Built to Test a Plan
Risk is surfaced early.

When the decision is big, the numbers need to hold up — not just look optimistic.

This engagement delivers clear, defensible models you can stand behind.

Who it’s for:

  • Expansion, contracts, or capital events
  • Stakeholders who need trust in the numbers

What we do:

  • Build a custom pro forma
  • Document assumptions
  • Run sensitivity analysis
Outcome: Confidence in both upside and downside.

Financial Reset Intensive

When things feel off — and you need clarity fast.

A focused engagement to identify what’s working, what’s not, and what to fix first.

1
Stabilize Cash
See where pressure is coming from � and when.
2
Align Forecasts
Turn forecasts into inputs for real decisions.
3
Decide with Confidence
Surface risk before capital is committed.

Who it’s for:

  • Owners overwhelmed by financial noise
  • Teams needing a reset

What we do:

  • Review P&L and cash flow
  • Identify root issues
  • Deliver a 30-day action plan
Outcome: Clear priorities and a path forward.

Book a Free Financial Quick Look

30 minutes, no strings attached. We’ll review your numbers and identify 2–3 actions you can take right now.

Belflower Finance logo