Fractional CFOs in Miami Making Things Happen in 2025

Miami Interim Chief Financial Officers to Know

South Florida has long been a magnet for business—but over the past five years, Miami-Fort Lauderdale-Pompano Beach has transformed into a full-fledged innovation corridor. From fintech and crypto to e-commerce, logistics, and Latin America-facing startups, the region is teeming with entrepreneurial activity and capital flow.

And yet, many companies still lack the financial infrastructure to scale with confidence. That’s why fractional CFOs are stepping in to fill the gap.

At Digital Reference, we’ve curated a snapshot of active, independent fractional CFOs in the Miami metro—finance leaders helping startups, service businesses, and high-growth companies get control of their numbers and clarity on their runway. Some are solo operators, others run advisory firms—but all bring executive-level experience and execution-ready mindset.

How We Curated This List - Miami Fractional CFO Services

Each professional included here meets the following criteria:

• Based in or actively serving the Miami-Fort Lauderdale metro
  
  
• Currently offering fractional or interim CFO services
  
  
• Has public-facing credentials (LinkedIn, firm website, or similar)
  
  
• Brings experience in strategic finance, fundraising, budgeting, or operational modeling
  
  
• Serves a mix of early-stage, mid-market, or mission-driven organizations
  
  

Let’s meet the finance leaders making an impact in South Florida.

Miami-Dade Fractional CFOs to Know

Dan Locke

Founder, LockedCFO | Startup & SaaS CFO Services

Dan brings sharp strategic thinking and hands-on finance support to early- and growth-stage companies across the Miami area.

Through LockedCFO, he partners with founders and operators to establish cash flow models, investor dashboards, scenario planning, and reporting infrastructure. He’s especially well-versed in helping startups navigate their first or second raise with confidence and clarity.

Nina Stark

Fractional CFO | Financial Consultant to Creative, Retail & Service Brands

Nina specializes in helping mission-driven and creative businesses understand their numbers and manage sustainable growth. With experience in retail, health & wellness, and service sectors, she brings a warm yet data-driven approach to financial operations. From budgeting to forecasting to tax planning strategy, she helps companies shift from reactive to proactive finance.

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Why Miami Companies Are Turning to Fractional CFOs

Miami is moving fast. The influx of capital and talent has changed the startup and investment landscape—but many companies are still operating without solid financial infrastructure. That’s risky when:

• 🧮 Cash flow isn’t mapped to real business cycles
  
  
• 📊 KPIs are scattered across systems
  
  
• 💬 Investor conversations lack data confidence
  
  
• 💼 Teams are growing, but margin insights are unclear
  
  

Fractional CFOs offer a high-leverage, flexible solution.

They’re ideal for startups that:

• Are prepping for a round (seed to Series B)
  
  
• Need budget discipline after rapid growth
  
  
• Are transitioning from outsourced bookkeeping to in-house clarity
  
  
• Require better forecasting for hiring, capex, or expansion
  
  
• Are moving toward board-level financial reporting
  
  

In Miami’s increasingly capital-efficient business climate, fractional CFOs provide the guidance needed to go from momentum to scale.

Use Cases We’re Seeing in South Florida

💸 Startup fundraising – Fractional CFOs create investor-ready models and decks
📦 DTC & retail brands – Better COGS tracking, margin analysis, and channel strategy
📱 Tech and SaaS – GTM budget alignment, LTV/CAC insights, and cash runway planning
📊 Agencies & services – Pricing model evaluation and resource planning
🎯 Creative entrepreneurs – Making finance accessible and action-oriented

It’s not about replacing your bookkeeper—it’s about leveling up your financial decision-making.

Related Digital Reference Content

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Final Word: The Right Finance Fit for a Fast-Growing Region

As Miami continues to mature from a buzzy tech destination into a serious business hub, fractional CFOs are bringing structure and insight to the city’s rising companies. Whether you’re bootstrapped, angel-backed, or VC-funded, these professionals help you make smarter decisions, manage risk, and stay investor-ready.

If you know a fractional CFO based in South Florida that we should feature, send us a note at hello@digitalreference.co. Digital Reference is here to help - need more insight into the world of Finance Professions? - Check out below:

• 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!

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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

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