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An experienced Chief Financial Officer working with your company on a part-time, ongoing basis — the same strategic judgment as a full-time hire, at a fraction of the cost and without the twelve-week search.

An interim CFO fills a gap until you hire. A part-time CFO gives you fewer hours of the same job. A fractional CFO is engaged for a defined outcome — getting you raise-ready, rebuilding the reporting, preparing an exit — and stays on retainer for the decisions that follow.

The terms get used interchangeably, and they shouldn't be.

Fractional is a named, experienced CFO working inside your business part-time, in the room for the decisions. Virtual usually describes the same thing delivered remotely — a statement about location, not about seniority. Outsourced typically means a firm running your finance operations (bookkeeping, controller work, reporting) rather than an individual sitting in a leadership seat.

The distinction worth holding onto: are you buying a person with CFO judgement, or a service that produces outputs? Both are legitimate, and plenty of companies need the second before they need the first.

Typically Series A/B and above, with revenue traction and demonstrable growth. We are selective, and not every engagement is the right fit — that is intentional. If we aren't the right answer we'll say so on the first call.

Almost always. Most engagements sit above an existing controller, finance manager or bookkeeper, and build the layer they don't have: forward-looking analysis, board and investor reporting, capital strategy. The Close stage exists specifically to hand capability to that team.

Every engagement is scoped with Shi Mei and delivered by the CFO best suited to your stage and sector. You'll meet whoever is doing the work before you commit to anything — the CFOs and specialists are here.

No, though most teams do once they see the first workflow run. Everything we automate is documented and reversible, and nothing is built that your team can't operate or switch off.

Usually at the point the numbers stop being a reporting exercise and start driving decisions. The common triggers are a raise on the horizon, a board that wants forecasts rather than history, month-end taking too long, or a founder who can no longer answer investor questions from memory. If none of those is true yet, a bookkeeper and an accountant are probably still the right answer.

Three things set the number: the scope of work, the hours it genuinely needs each month, and whether it runs as a retainer or a project.

Project work is quoted fixed-price against a defined deliverable — a model, a data room, a board pack, one automated workflow — so you know the cost and the end point before it starts. Ongoing work is a monthly retainer sized to the scope and the time it takes, not billed by the hour, which keeps the incentive on outcomes rather than on logging time. Retainers are reviewed as the business changes; several clients scale up around a raise and back down afterwards.

You get a figure in writing before anything begins, and the first conversation is free.

Market rates put a full-time CFO in Singapore at roughly S$180,000 to S$300,000 in base salary. The year-one cost of the seat is meaningfully higher than the headline:

Employer CPF — 17% for employees aged 55 and below, but capped rather than open-ended. The 2026 annual salary ceiling is S$102,000, so the employer contribution tops out at about S$17,300 a year no matter what you pay above that. Most comparisons get this wrong by applying 17% to the whole salary.

Bonus — typically one to three months, so somewhere between S$15,000 and S$75,000 depending on the package.

Recruitment — agency and search fees in Singapore commonly run 15% to 25% of annual salary, so S$27,000 to S$75,000 as a one-off, and less if you have a negotiated rate. Add the twelve or so weeks a search takes before anyone starts.

That puts year one somewhere in the region of S$240,000 to S$450,000, with the recurring years not far below it once the search fee drops away.

A fractional arrangement buys the same seniority for the portion your business actually needs, starting in weeks rather than months, and scaling with your stage instead of sitting as permanent headcount. The honest caveat: if you need a CFO in the building five days a week, hire one. We'll say so.

Yes. CFOi is EDG-eligible under Financial Management, within the Core Capabilities pillar of the Enterprise Development Grant administered by Enterprise Singapore (ESG). Eligibility and award remain subject to ESG approval, and we'll cover what applies to your company on the first call.

Yes. Between us we've operated across more than fifteen markets in Asia-Pacific and Europe, and the team has run finance for businesses headquartered outside Singapore. Cross-border revenue, multi-currency treasury and FX exposure are among the more common reasons companies come to us in the first place.

You do. Every model, automation and process document is yours, built in tools you control and handed over documented at the end. The test we hold ourselves to is that your team can operate it without us — an engagement that leaves you dependent on the consultant has failed.