Fractional CFO · E-Commerce
You're growing. So why is there never any cash?
Fractional CFO services for e-commerce brands doing $50K+/month. Know your real margins, fix your cash cycle, and scale on numbers instead of hope.
You can grow your way out of business.
Margins compress a point at a time and nothing tells you until the inventory is bought, the ads are running, and the payout still hasn't landed. By the time your bank balance says it out loud, the decisions that caused it are six months old.
What you get
Know your real margin
Per SKU, after fees, shipping, returns, and ad spend. Not a guess.
Fix the cash cycle
Stop financing your own growth out of your own pocket.
Spend with evidence
Scale the products that earn. Cut the ones quietly bleeding you.
See it coming
A forecast that warns you about the crunch before you're standing in it.
The guide
I've been on your side of this.
I've sold on Amazon since 2015. I know exactly what it feels like to have a profitable month on paper and no cash to buy the next order — to watch money you have already earned sit in a payout queue while a supplier invoice comes due.
That is not an accounting problem. It is a CFO problem. And most brands your size don't have one, because a full-time CFO looks more expensive than the thing it fixes.
The plan
- 01
Book a Financial Health Assessment
A paid deep-dive into your actual numbers — margins, cash cycle, and where profit is leaking out.
- 02
Get your operating picture
True per-SKU profitability, a real cash forecast, and a clear read on what to fix first.
- 03
Keep a CFO on retainer
Monthly and ongoing. A decision partner who already knows your business.
Stop guessing what your business earns.
Book an AssessmentNot sure you're the right size for this yet?Fractional CFO services for e-commerce businesses
Vanderbilt CFO Partners provides fractional CFO services to e-commerce businesses generating $50,000 per month or more in revenue. We work with direct-to-consumer brands and marketplace sellers who have outgrown their bookkeeper but cannot yet justify a full-time finance hire.
A bookkeeper records what already happened. A CPA files your taxes. A fractional CFO tells you what to do next — which products to scale, when you will run short of cash, what your ad spend is actually returning after fees, and whether the growth in front of you is affordable.
Our work centers on the problems specific to e-commerce: contribution margin by SKU, inventory cash conversion cycles, marketplace fee reconciliation, blended ROAS versus marketing efficiency ratio, landed-cost accuracy, and cash forecasting built around inventory purchasing rather than a generic monthly profit and loss statement.
Most brands at this stage are profitable on paper and short on cash. The gap between those two facts is where a CFO earns their keep. Engagements are monthly retainers, delivered remotely, and begin with a Financial Health Assessment so both sides know what they are walking into.