CFO-as-a-Service · Portugal
Your External CFO.
Without the cost of one.
— Peter Drucker“Do what you do best and outsource the rest.”
Context
What is CFO-as-a-Service?
What does a fractional CFO do?
+An experienced CFO who works with your company on a flexible, ongoing basis. You get the same strategic vision as a full-time CFO, but only pay for the time you actually need.
Who needs this service?
+For SMEs that already have an accountant but feel they lack strategic financial vision. For startups that need to structure their finances to grow or raise investment. For any company that wants to make decisions based on data — not gut feeling.
How is it different from an accountant?
+Your accountant handles tax obligations — VAT, corporate tax, legal compliance. A CFO looks forward: analyses profitability, projects scenarios, optimises costs, negotiates with banks and helps you make strategic decisions based on real financial data.
The challenge
Do any of these situations
sound familiar?
No financial visibility
You don't know your real margins, how much you profit per client, or your business break-even point.
Unpredictable cash flow
You make decisions based on gut feeling because you lack management indicators, regular reports, or a clear view of the numbers.
Growing without control
Revenue is growing, but the financial structure isn't keeping up. You don't know whether you're scaling sustainably or just accumulating hidden problems.
Services
Financial leadership.
Built for you.
Four complementary areas that, together, give you the financial control a full-time CFO would bring — with the flexibility of an external service.
Management Control & Reporting
Real-time dashboards, monthly management reports and profitability analysis — accessible from any device.
Financial Planning
Annual budgets, 3–5 year projections, scenario analysis and support for strategic investment decisions.
Treasury Management
Cash flow forecasts, working capital optimisation, banking relationships and financing management.
Startups & Investment
Data room preparation, financial models for investors, support for investment rounds and due diligence.
What you get
Numbers that speak for themselves.
Dashboards you understand.
Reports and dashboards designed for decision-makers — not accountants. Clear, actionable, and always up to date.
Real-time updates
Data automatically synchronised with your operation.
Multi-device access
Computer, tablet or mobile.
Excel export
Formal reports for banks and investors.
Method
How CFO-as-a-Service Works
Monthly retainer basis, tailored to your company's size and needs. In the initial conversation, we present a tailored proposal — with no commitment.
Diagnosis
We carry out a complete analysis of your business's financial health. We identify opportunities, risks and priorities for action.
Tailored proposal
We design a support plan adapted to your company's reality, size and specific needs.
Implementation
We set up management dashboards, reporting processes and financial control tools in your business.
Ongoing support
Regular meetings to analyse results, adjust strategy and support your financial decisions.
Free guide
The 5 financial indicators every business owner should track.
Download our free guide and discover the essential numbers you need to track to make better decisions in your business.
Financial Management Insights for SMEs and Startups
View all →Cash flow vs profit: why your company can be profitable and run out of money
Understand the fundamental difference between accounting profit and cash flow — and why so many profitable companies face liquidity crises.
Read article →The 8 financial ratios banks analyse before approving credit
The documents, indicators and conditions banks actually evaluate when reviewing a financing request.
Read article →How to build a financial model that convinces investors in Portugal
A practical guide on what Portuguese seed and Series A investors expect to see in a financial model — and the most common mistakes to avoid.
Read article →Budgeting for SMEs: the method that works when the future is uncertain
How to build a realistic budget when the market is unpredictable — without falling into the trap of projections nobody believes.
Read article →About
Who guides
your finances.
SteerCFO was born from a simple conviction: every company — regardless of size — deserves dedicated financial guidance, not just bookkeeping. With experience in management control and financial consulting for companies in Portugal, we offer the vision of a senior CFO — without the burden of a full-time hire.
We combine experience in corporate finance, banking and strategic consulting to offer a service that goes beyond the numbers: we are business partners who help entrepreneurs make better decisions.
Partnership
We're not passing consultants. We integrate into your team and commit to your results.
Clarity
We transform complex financial data into clear, actionable insights. No unnecessary jargon.
Results
Every euro invested must generate measurable return.
Contact
Shall we
talk?
The first conversation is free and without commitment. Tell us your challenge.
Schedule via Calendly →or send us a message
diogo@steercfo.pt