Fractional CFO Advisory · Singapore
CFO-level thinking for your business — without the full-time CFO cost.
Most SMEs can't justify a full-time CFO. But every growing business needs someone who can read the numbers, spot the risks, and help make better financial decisions. That's exactly what LUMA CFO's fractional CFO service provides — senior financial expertise, on your terms.
- Monthly management accounts with plain-English business commentary
- Cash flow forecasting and liquidity monitoring
- Breakeven analysis and profitability tracking by product, service or location
- Budget vs actual variance analysis
- Financial KPI dashboard via Xero — real-time P&L, cash position, receivables
- Pricing and margin advisory
- Business structuring and entity review
- Investor and bank reporting preparation
- Strategic financial advice via WhatsApp and monthly review calls
A traditional accountant looks backwards — recording what happened accurately. A CFO looks forwards — using what happened to determine what to do next. The fractional CFO model gives you access to that forward-looking advisory without the SGD 15,000–25,000/month cost of a full-time hire.
| Question | Traditional accountant | LUMA CFO fractional CFO |
|---|---|---|
| Am I profitable? | Here is your net profit figure. | Yes — but your margin dropped 4 points. Here's why and what to do. |
| Can I afford to hire? | Here is your cash balance. | Based on your cash flow forecast, you can hire in month 3 — not now. |
| Which product makes me the most money? | Here is your revenue breakdown. | Product B has 3x the margin of Product A. You're underselling it. |
| Should I expand? | Here are your financials. | Your working capital can't support expansion yet. Here's the timeline. |
Monthly financial review
We review your numbers every month and send you a plain-English summary of what's happening and what to watch.
Real-time dashboard
Xero-powered financial dashboard showing live P&L, cash position, receivables and key business metrics.
On-demand advisory
Got a pricing decision, a hiring question, or a contract to evaluate? WhatsApp us — we respond fast.
Strategic planning
Quarterly business reviews, cash flow forecasts and growth planning — so your finances support your ambitions.
Pro Max Bundle — includes fractional CFO insights
CFO insights are included in our Pro Max bundle. For standalone fractional CFO advisory, contact us for a customised proposal based on your business needs.
- Growing Singapore SMEs that have outgrown basic bookkeeping but can't justify a full-time CFO
- Foreign-founded companies that need financial strategy alongside compliance
- Business owners making major decisions — hiring, expansion, pricing — without clear financial visibility
- Companies preparing for investor conversations or bank financing
- Founders who want a trusted financial advisor, not just a number-filer
Ready for a real financial partner?
WhatsApp us and let's talk about what your business actually needs — no obligation, no jargon.
WhatsApp us today