CipherCFO

CipherCFO is a founder-led fractional CFO practice built for hard financial situations: distress, PE-backed portfolio companies, and turnarounds. We put a senior CFO in the seat when the bank is on the phone - covenant pressure, a forbearance negotiation, a lender who wants weekly numbers, or a business that has outgrown its finance function.

This is not a staffing bench. One named operator runs your engagement every month, with 10+ years of CFO-level work across manufacturing, energy, and consumer products.

What we do:- Fractional and outsourced CFO leadership on retainer- 13-week cash flow forecasting, lender-ready- Debt covenant monitoring and headroom analysis- Lender relations, forbearance, and workout support- Turnaround and restructuring finance- PE-backed portfolio-company reporting to sponsor standards- Multi-entity consolidation in QuickBooks- Board-ready reporting, variance analysis, and monthly close

We engage through productized tiers with published starting prices and defined scope: a Diagnostic Sprint for a fast senior read, an ongoing Fractional CFO Retainer, and dedicated Turnaround and Workout engagements. No open hourly meter, no "call us to find out."

We serve founders and CEOs of $2M to $250M revenue companies, PE sponsors with a portfolio company below plan, and businesses heading into a sale, a raise, or a lender negotiation.

The CFO you call when the bank is on the phone.