Best Fractional CFO Services in Charlotte

Top Charlotte Fractional CFO Companies & Fractional CFOs

Charlotte has developed into a major business center, with a strong presence in banking, fintech, healthcare, manufacturing, technology, logistics, and professional services. Companies operating in these industries often reach a point where financial decisions require more strategic oversight than an internal accounting team can provide.

A fractional CFO gives businesses access to senior financial expertise on a flexible basis. Their work can cover financial forecasting, cash management, budgeting, performance analysis, capital planning, and expansion strategy.

Digital Reference brings together fractional CFO firms, independent financial executives, and specialized advisors working with companies throughout Charlotte and the surrounding market.

As the local provider landscape evolves, this living list can expand to include additional professionals and firms that meet the criteria.

‍

‍

🌟 Our Methodology - How We Selected the Top Fractional CFO Services in Charlotte

For Charlotte, we evaluated providers through several practical criteria:

• Charlotte-area presence — Demonstrated work with companies in Charlotte and the surrounding business community
• Fractional CFO services — Ongoing or project-based access to senior financial leadership
• Professional background — Relevant experience across finance, executive management, and business advisory roles
• Business impact — Capabilities covering financial forecasting, cash management, modeling, profitability, capital allocation, and growth planning
• Verifiable professional information — Public profiles, websites, and other sources showing relevant experience and expertise

Together, these considerations help surface financial leaders who can bring stronger planning, clearer analysis, and informed strategic direction to Charlotte businesses.

‍

‍

🌟 Digital Reference's List of Best Fractional CFO Companies in Charlotte

Businesses in Charlotte can face distinct financial challenges based on their industry, stage of growth, ownership structure, and long-term goals. A fractional CFO can provide experienced financial leadership and strategic guidance while giving companies the flexibility to manage costs without committing to a full-time CFO. 

The providers included in this Charlotte-focused list represent a range of approaches to financial leadership, from cash flow oversight and forecasting to profitability analysis, capital planning, financial strategy, and growth support.

‍‍

Lucrum Consulting, Inc.

Based in Charlotte, North Carolina, Lucrum Consulting helps growth-oriented businesses strengthen their financial foundation through outsourced CFO, outsourced controller, and accounting advisory services. The firm’s approach combines rigorous financial analysis with operational clarity—empowering owners to make informed, confident decisions.

Lucrum Consulting stands out for its commitment to eliminating “bad information” risk—ensuring every client has accurate, real-time financial data that supports smarter forecasting and sustainable growth.

Why they stand out:
💡 Deep focus on cash flow forecasting, budgeting, and strategic planning
📊 Transparent, data-driven reporting for precise decision-making
🧭 Boutique model where senior-level advisors lead every engagement

At the helm is Jeff Heybruck, Founder and CFO / Business Advisor, who brings over two decades of financial leadership experience.

‍

📈 OpsFi

OpsFi provides fractional CFO and financial leadership services for businesses that need senior-level expertise without adding a full-time executive. Its support helps companies strengthen financial planning, forecasting, reporting, cash management, and strategic decision-making, particularly as financial needs become more complex during periods of growth.

The firm also supports businesses with broader financial strategy, helping leadership teams improve visibility into performance and make more informed decisions around growth, capital, operations, and long-term planning.

Notable Services:

• Fractional CFO services
• Financial planning and forecasting
• Cash-flow management
• Financial reporting
• Strategic financial guidance
• Finance infrastructure
• Financial analysis
• Transaction support

OpsFi may be a strong fit for Charlotte businesses seeking flexible CFO leadership to improve financial visibility, support growth, or navigate important strategic and financial decisions.

Founded by:
Greg Tomaselli, Co-founder & CEO. Tomaselli is a finance and business leader focused on helping companies access experienced financial leadership and strategic guidance without the structure of a traditional full-time CFO appointment. Through OpsFi, he works to bring senior financial expertise to businesses navigating growth and increasingly complex financial requirements.

‍

📈 Cardinal Finance Partners

Cardinal Finance Partners provides fractional CFO and financial advisory services for businesses that need additional expertise across their finance function. Its approach combines executive-level financial guidance with practical support in cash flow, forecasting, reporting, profitability, and business planning.

The firm can also assist companies preparing for important financial events, giving leadership teams greater clarity around performance, capital needs, transactions, and future growth.

Notable Services:

• Fractional CFO services
• Cash-flow management
• Financial forecasting
• Budgeting and planning
• Financial reporting
• Profitability analysis
• KPI development
• Quality of Earnings support
• Transaction advisory

Cardinal Finance Partners may be a strong fit for Charlotte-area businesses looking to improve financial management, prepare for transactions, or gain more strategic control over their company’s financial performance.

Founded by:
Pat Voelker, Co-founder. Voelker brings financial and advisory experience to businesses seeking stronger financial visibility, strategic planning, and transaction readiness. Through Cardinal Finance Partners, he helps companies access CFO-level capabilities that can support both day-to-day financial management and major business decisions.

‍

📈 FuseCFO & Accounting

FuseCFO & Accounting combines fractional CFO leadership with accounting support for businesses that need a stronger financial foundation. Its services help companies manage financial reporting, planning, forecasting, cash flow, and strategic decision-making while connecting accounting information with broader business objectives.

The firm is designed to give business owners greater insight into financial performance while providing guidance around growth, profitability, and operational planning.

Notable Services:

• Fractional CFO services
• Accounting support
• Financial reporting
• Budgeting and forecasting
• Cash-flow management
• Financial analysis
• Strategic planning
• Profitability improvement
• Growth advisory

FuseCFO & Accounting may be a strong fit for Charlotte businesses that want to combine reliable accounting support with higher-level financial guidance as they grow and face more complex financial decisions.

Founded by:
Gregg Turkovich, CEO & Founder. Turkovich leads FuseCFO & Accounting with a focus on helping businesses strengthen their financial operations, reporting, and strategic decision-making. His work brings together accounting and CFO-level perspectives to give business owners a clearer understanding of their financial position and opportunities for growth.

‍

📈 ProFin CFO LLC

ProFin CFO LLC provides fractional CFO and financial consulting services for businesses seeking experienced financial guidance without hiring a permanent CFO. Its work focuses on helping owners better understand and manage cash flow, financial performance, planning, profitability, and business finances.

The firm takes a practical approach to financial leadership, supporting companies that need clearer financial information and stronger direction when making operational and strategic decisions.

Notable Services:

• Fractional CFO services
• Financial consulting
• Cash-flow management
• Financial analysis
• Budgeting and forecasting
• Profitability planning
• Business financial strategy
• Accounting guidance

ProFin CFO may be a strong fit for Charlotte businesses seeking hands-on financial expertise to improve cash management, strengthen profitability, and make more informed business decisions.

Founded by:
Adrienne Johnson, Founder & Owner. Johnson is a finance professional with experience in corporate finance, financial analysis, and business management. Through ProFin CFO, she provides business owners with practical financial guidance designed to improve visibility, strengthen financial decision-making, and support sustainable business performance.

‍

📈 Clarity Consulting LLC

Clarity Consulting LLC provides fractional CFO and financial consulting services for businesses that need experienced financial leadership on a flexible basis. Its work helps companies address areas such as financial planning, forecasting, cash management, analysis, and strategic business decisions.

The firm works with business owners who need greater clarity around their numbers and want financial information translated into practical direction for planning, performance, and growth.

Notable Services:

• Fractional CFO services
• Financial planning
• Forecasting
• Cash-flow management
• Financial analysis
• Strategic planning
• Business consulting
• Financial performance management

Clarity Consulting may be a strong fit for Charlotte-area businesses looking for accessible CFO-level guidance to improve financial clarity, strengthen planning, and support their next stage of growth.

Founded by:
Lori Squires, Owner & Founder. Squires brings financial and consulting experience to businesses seeking support with financial management, planning, analysis, and strategic decision-making. Through Clarity Consulting, she focuses on helping business owners gain a clearer understanding of their finances and use that insight to guide stronger business decisions.

‍

‍‍

🌟 Digital Reference's List of Best Fractional CFOs in Charlotte

‍

📊 Jeff Heybruck

‍Jeff Heybruck is Founder and CFO / Business Advisor at Lucrum Consulting, Inc., bringing more than 20 years of finance and accounting experience to businesses seeking fractional CFO and strategic financial support. Since 2001, he has worked across fractional CFO services, outsourced controller roles, financial advisory, and business consulting, helping companies improve financial visibility and decision-making.

Notable Expertise:

• Fractional CFO services
• Financial and accounting advisory
• Outsourced controller services
• Financial projections
• Data-driven financial analysis
• Strategic business advisory

Jeff helps businesses navigate financial planning, projections, and strategic decision-making, combining senior-level financial expertise with practical execution and a data-focused approach.

‍‍

📊 Carlos E. Acedo

Carlos E. Acedo is Founder and Fractional CFO at Valeris Consulting LLC, bringing 15 years of finance experience to growing and evolving businesses. His background includes asset-based lending and financial planning, with previous experience at Wells Fargo, Raymond James, Citi, and White Oak Commercial Finance. In June 2024, he was also named VP of Finance at Legacy Corporate Lending.

‍Notable Expertise:

• Asset-based lending
• Financial planning and analysis
• Funding strategy
• Capital structuring
• Financial foundations
• Growth-stage finance

Carlos helps Charlotte businesses navigate capital needs, financial planning, and growth, combining strategic finance experience with a strong understanding of commercial lending and funding structures.

‍

📊 Todd Serulneck

Todd Serulneck is Managing Director and Fractional CFO at Lancaster & Hall, providing cash-flow projection, budgeting, and capital-readiness support through a high-touch fractional CFO model. He works with small and mid-sized businesses using a Culture → Strategy → Execution approach that emphasizes disciplined financial management and integrity.

‍Notable Expertise:

• Cash-flow projections
• Budget development
• Capital raise readiness
• Financial strategy
• Small and mid-sized business finance
• Executive financial guidance

Todd helps Charlotte business owners bring greater structure to their financial planning, particularly when they are preparing for growth, improving cash flow, or positioning the company for outside capital.

‍

📊 Don Minges

Don Minges is Principal at Numbers Guy CFO, LLC, bringing more than 25 years of leadership experience in management and finance. His background spans venture capital, mergers and acquisitions, turnarounds, and economic forecasting, including an equity investment that generated more than $400 million in profit.

Notable Expertise:

• Venture capital
• Mergers and acquisitions
• Turnaround management
• Economic forecasting
• Profit improvement
• Board-level financial strategy

Don helps Charlotte entrepreneurs and growing companies strengthen financial performance through strategic planning, forecasting, profitability improvement, and experienced financial leadership.

‍

📊 Miranda Whitley, CPA

Miranda Whitley is Co-Owner and Lead Fractional CFO at Every Last Cent, helping small businesses and solopreneurs improve their financial management through cash-flow optimization, long-term planning, tax strategy, workflow improvement, and compliance. She also provides educational speaking engagements focused on helping business owners better understand and manage their finances.

Notable Expertise:

• Cash-flow optimization
• Long-term financial planning
• Tax strategy
• Workflow improvement
• Compliance
• Small-business finance
• Financial education

Miranda helps Charlotte business owners take a more proactive and understandable approach to financial management, combining CFO-level strategy with practical guidance designed around the realities of running a small business.

‍

📊 Cassmer Ward

Cassmer Ward is Consulting Partner and Fractional CFO at Nexagy, bringing more than 20 years of finance experience as a financial strategist, educator, and author. He also lectures at Queens University and authored How Much Does It Cost to Make a Donut? In 2025, he was named among the Charlotte Business Journal’s Most Admired CEOs.

Notable Expertise:

• Financial strategy
• Startup and growth-stage finance
• Business education
• Financial leadership
• Strategic decision-making
• Executive mentorship

Cassmer helps Charlotte businesses navigate different stages of development by combining financial strategy with education and leadership, making his approach particularly relevant for organizations seeking both practical guidance and long-term strategic perspective.‍‍

‍

‍

Using Digital Reference to Find the Best Fractional CFO Services in Charlotte For Your Needs

In the Charlotte market, these professionals uniquely embody the DNA of Digital Reference—they show up with verified expertise, transparent communication, and authentic leadership:

Charlotte’s financial landscape is richer thanks to these fractional CFO consultants—innovators who bring clarity, strategy, and genuine care to every client.

👇 Browse More Curated Guides:

• Best Financial Advisors in Charlotte
• Best Wealth Advisors in Charlotte
• Best Fractional CFO Services in the USA

At Digital Reference, we are proud to spotlight the professionals who align with our mission: helping Fractional CFOs—and professionals of all kinds—own their narrative, amplify their impact, and build trust through authenticity.

Looking for deeper insights on fractional executive leadership and strategy? Dive into our guide: 

• Find Fractional CFOs Near You
• Finance Executives & What They Do
• Fractional CFO Agencies in the USA
• Wealth Management Consulting Services in the USA
• Audit & Compliance Consulting Services in the USA
• Best Fractional CFOs in Boston 

Here’s to Charlotte’s financial future—and to the professionals who are shaping it.

‍

Looking to hire a fractional CFO?

Bookmark this list. Looking to become one? Let us help you build your digital footprint with purpose.

This is a living list and we’re always looking to highlight more professionals driving impact in the field. If you are—or know—a stellar Charlotte-based fractional CFO, reach out to us at Digital Reference.

We’re building the infrastructure that makes talent visible, verifiable, and more human.

Digital Reference is here to help - need more insight into the world of Finance Professions? - Check out below:

• What are Finance Professionals?
• Do I need a Finance or Accounting Consultant?
• Deep Dive into Finance Executive Responsibilities
• Outsourced CFO Services in the US
• US-Based Financial Advisors
• City Directories of Fractional CFOS
• Save some money -> Outsourced CFO services in India & Outsourced CFO services in Canada

If there is other content that you think we're missing that would help make Finance more authentic and transparent, let us know at hello@digitalreference.co . Thanks for reading! Keep work human!

‍

--------------------------------------------------------------------------------------------------------------------

Explore our International Directories of Part-Time, Fractional, and Virtual CFO Services

Fractional CFO Services in Australia

Top Outsourced CFO Agencies in Australia
Explore a list of top fractional CFO firms in Australia offering part-time financial leadership to startups and growth-stage companies.

Fractional CFO Services in Canada

Top Outsourced CFO Agencies in Canada
A curated directory of top Canadian firms offering outsourced and fractional CFO services, with a strong emphasis on affordability and financial clarity.

Fractional CFO Services in India

Top Outsourced CFO Agencies in India
India's growing ecosystem of financial leadership includes cost-effective, high-impact CFO services for scaling companies.

Fractional CFO Services in the United Arab Emirates (UAE)

Top Outsourced CFO Agencies in the UAE
A roundup of leading part-time CFO firms in Dubai and beyond, offering strategic support for regional and international ventures.

Fractional CFO Services in the United Kingdom (UK)

Top Outsourced CFO Agencies in the UK
From London to Leeds, this list highlights some of the best interim CFO providers for UK-based startups and SMEs.

Fractional CFO Services in the United States (USA)

Top Outsourced CFO Agencies in the USA
A national view of leading firms offering fractional CFO services to startups, family businesses, nonprofits, and more.

‍

Take a Dive into Our Regional Guides to Fractional & Part-Time CFO Talent

Looking for financial leadership that fits your stage and budget? These city-by-city guides highlight vetted, independent fractional CFOs helping companies grow smarter, operate leaner, and plan with confidence.

Fractional CFOs in Ann Arbor Making Things Happen

Ann Arbor’s deep tech and academic ecosystem is supported by a growing cohort of CFOs who understand innovation, grants, and founder-led finance.

Fractional CFOs in Atlanta Making Things Happen

Atlanta-area fractional CFOs bring sharp financial discipline to fast-growing tech, logistics, and consumer brands across the Southeast.

Fractional CFOs in Austin Making Things Happen

In a city known for startups and scale-ups, these CFOs help Austin companies make smart capital decisions and operationalize growth.

Fractional CFOs in Chicago Making Things Happen

Chicago’s finance-savvy fractional CFOs support companies across manufacturing, logistics, tech, and services with pragmatic financial leadership.

Fractional CFOs in Dallas-Fort Worth Making Things Happen

From fundraising prep to financial operations, these DFW-based CFOs bring high-impact expertise to Texas’s most diverse business hub.

Fractional CFOs in Denver Making Things Happen

Denver’s startups and PE-backed firms are increasingly turning to fractional finance leaders who can help bridge vision and execution.

Fractional CFOs in Detroit Making Things Happen

Detroit’s resurgence is being shaped by finance professionals who know how to manage transformation—from legacy to modern systems.

Fractional CFOs in Houston Making Things Happen

Houston-based fractional CFOs offer clarity and control to companies navigating scale in healthcare, logistics, energy, and services.

Fractional CFOs in Los Angeles Making Things Happen

LA’s creative and tech-driven economy benefits from fractional CFOs who understand cash flow, venture expectations, and brand finance.

Fractional CFOs in Miami Making Things Happen

Miami’s capital influx and startup energy are backed by fractional CFOs helping local companies stay lean, fundable, and focused.

Fractional CFOs in Nashville Making Things Happen

Nashville-based CFOs are powering healthcare, SaaS, and creative businesses with the structure and insight needed for sustainable growth.

Fractional CFOs in Phoenix Making Things Happen

Phoenix companies are tapping into a new class of CFOs ready to support capital planning, margin strategy, and finance ops at scale.

Fractional CFOs in San Francisco Making Things Happen

In the heart of venture capital and product-led growth, these SF-based CFOs are helping startups move from story to sustainability.

Fractional CFOs in Tampa Making Things Happen

Tampa’s startup and services economy is supported by CFOs bringing strategic clarity to e-commerce, healthtech, and founder-led orgs.

Fractional CFOs in Washington DC Making Things Happen

DC’s nonprofits, govtech, and professional services firms benefit from fractional CFOs who understand compliance, complexity, and growth.

Careers are long, but life is short. Let’s build a more transparent and efficient financial consulting industry—together. Explore your options. Ask the right questions. And build your team—with transparency and trust.

– The Digital Reference Team‍