Your company has outgrown pure bookkeeping – but a full-time CFO is not (yet) justified. A Fractional CFO gives Swiss SMEs and startups senior financial leadership exactly in the dose they need: from one day per month to two days per week.
What a Fractional CFO does for your company
Financial strategy & planning
Budgets, forecasts and scenario planning that actually steer decisions.
Liquidity management
Rolling 13-week cash flow planning to avoid surprises.
Reporting
Management, board and investor reporting that highlights what matters.
Bank & investor negotiations
Preparation, execution and follow-through of difficult bank meetings, credit renegotiations, venture capital and investor discussions – from equity story to term sheet.
Audit support
Preparing your organisation for the statutory audit (ordentliche or eingeschraenkte Revision), managing the auditors and closing findings efficiently.
Finance operations
Building an efficient, digital finance setup – accounting, payroll and tools that scale with you.
As your CFO as a Service partner, TF Financial Services combines 28 years of hands-on CFO experience – including balance sheet responsibility up to CHF 1 billion, audit committees and financing negotiations on both sides of the table – with deep risk management and governance experience in regulated environments: Tilo Frenzel designed group-wide enterprise risk management frameworks for one of Switzerland’s large banking groups. Combined with a tech-first approach – modern cloud accounting, automation and AI-supported analytics – you get finance leadership that holds up to regulatory and investor scrutiny.
Fractional CFO vs. full-time CFO: the business case
A full-time CFO in Switzerland costs upwards of CHF 250,000 per year including social charges. Most SMEs between CHF 2 and 50 million in revenue do not need that capacity – they need the right 10–20% of it. With a fractional model you pay only for the days you use, with no recruiting risk, no notice periods and immediate availability.
How we work
- ✓Free initial consultation and a structured review of your current finance setup
- ✓90-day priority plan – typically covering liquidity planning, reporting and quick-win automation
- ✓Monthly retainer of one to four days per month – the model most clients settle into
Want to know who you would be working with? Learn more about Tilo Frenzel.
Frequently asked questions
What is a Fractional CFO?
A Fractional CFO is an experienced Chief Financial Officer who works for your company on a part-time or project basis – typically one to a few days per week. You get senior financial leadership (strategy, planning, reporting, financing) without the cost of a full-time executive.
How much does a Fractional CFO cost in Switzerland?
Typical Swiss market rates range from roughly CHF 150 to 300 per hour, depending on seniority and scope. Most SMEs work with a monthly retainer covering one to four days per month. In practice this means a fraction of the CHF 250,000+ total annual cost of a full-time CFO.
When does an SME need a Fractional CFO?
Common triggers: revenue growth beyond roughly CHF 2-5 million, an upcoming financing round or difficult bank negotiation, an approaching statutory audit, unclear liquidity planning, board or investor reporting requirements, an acquisition or succession – or when the fiduciary handles the bookkeeping but nobody owns the financial strategy.
What is the difference between a Fractional CFO and an Interim CFO?
An Interim CFO fills a full-time gap for a limited period, for example after a sudden departure. A Fractional CFO works with you continuously, but only for the capacity you actually need. For most Swiss SMEs, the fractional model is the more cost-effective long-term solution.
Does a Fractional CFO replace our fiduciary (Treuhaender)?
No – the two are complementary. Your fiduciary keeps the books and handles compliance; the Fractional CFO uses those numbers to steer the business: planning, forecasting, pricing, financing and decision support. At TF Financial Services we cover both worlds and work in partnership with Run my Accounts for digital accounting.
How quickly can we start?
After a free initial consultation we typically start within one to two weeks, beginning with a structured review of your finance setup, followed by a 90-day plan with clear priorities.
Talk to an experienced CFO today
Book a free, no-obligation consultation. TF Financial Services GmbH, Binz (ZH) – serving SMEs and startups across Switzerland.