Clear answers before you reach out, on fractional CFO services, the diagnostic, and how we work.
Fractional CFO
What is a fractional CFO?
Executive-level financial leadership on a monthly subscription, performance reviews, forecasting, cash flow and working capital improvement, and board reporting, without the cost of hiring a full-time CFO. You subscribe to a leadership function, not a part-time employee.
When does my company need one?
Common signals: revenue is growing but cash is tight; EBITDA is positive while operating cash is negative; you are preparing for bank financing or a major decision; or reports arrive late and don't drive decisions. If any of these sound familiar, a diagnostic is the right first step.
What's the difference between a CFO and an accountant?
The accountant records what happened; the CFO decides what should happen next. Accounting produces accurate numbers, financial leadership turns them into direction: where cash is trapped, which margins leak, when to finance, and how to grow safely.
Which company sizes and sectors do you serve?
Growth-stage companies, typically from tens to hundreds of millions of Riyals in revenue, across sectors including construction and contracting, wholesale and retail trade, manufacturing, logistics, healthcare, and hospitality, in Riyadh and across Saudi Arabia.
The Diagnostic & the Platform
What is the Financial Diagnostic?
A structured, fixed-scope assessment of your company's financial health over 20 working days: cash and working capital, profitability and margin leakage, reporting quality, and financing readiness, concluding with a clear findings report and priority roadmap. Its fee is credited toward your retainer if you proceed.
What is the platform's AI-powered instant diagnostic?
The instant diagnostic, by Prime Intelligence, the Prime CFO financial leadership platform, AI-powered, it reads two years of your financial statements and returns an instant preliminary diagnostic, trapped cash, margin leakage, the cash-vs-profit gap, and financing readiness, built on CFO logic for the Saudi financial context. It's the fastest way to see where you stand before any commitment.
Advisory Services (Add-ons)
What advisory services do you offer alongside the retainer?
Beyond the fractional CFO retainer, we offer thirteen fixed-fee, defined-scope advisory engagements, available to all clients as standalone projects: annual budget build, financial modeling and forecasting, KPI system design and Power BI dashboards, profitability analysis by segment, corporate and family business governance frameworks, financial policies and procedures, finance team review, acquisition financial due diligence, financial feasibility studies, bank financing structuring and advisory, bank financing packages, and interim CFO coverage. All purely advisory, with scope and fee agreed per engagement.
What's the difference between a fractional CFO and an interim CFO?
A fractional CFO is an ongoing retainer with defined days per month for continuous financial leadership. An interim CFO is full temporary coverage, minimum ten days per month, filling a real leadership gap: fully embedded, board-ready, and lender-credible, until your company stabilizes or appoints a permanent CFO.
I need bank financing, how do you help?
Through two complementary tracks: bank financing structuring and advisory (bank financing strategy, facility structuring, bank-landscape mapping, and term-negotiation support), and a complete bank financing package (a professional lender submission, financial statements, projections, narrative, and management profiles). The first sets the strategy; the second prepares the file that convinces the bank.
Do you support acquisitions and feasibility studies?
Yes, within the scope of financial due diligence. Acquisition due diligence examines the target company: quality of earnings, working capital, net debt, and risks. It excludes business valuation, which, where needed, is issued by an accredited valuer licensed in the business valuation branch, and any securities arranging or advising. A financial feasibility study builds a project model with NPV, IRR, payback analysis, and scenario testing. Both are major investment decisions whose numbers we prepare before you commit.
Do you provide listing or investor-raising services?
No. Securities business, including arranging and advising related to offerings, listings, and investor solicitation, is licensed by the Capital Market Authority and conducted by licensed capital market institutions; it is outside the scope of our license. Our role precedes and complements it: building a financial file to institutional standards, with reporting and governance quality that makes your company ready for any scrutiny, and where you need securities services, we work alongside your licensed financial advisor.
Do you have a solution for non-profit organizations?
Yes, a financial governance package designed specifically for charities, endowments, and mission-driven entities. A monthly subscription covering board financial reporting, budget-versus-actual monitoring, tracking of donations, grants and program spending, and linking program cost to impact indicators. It provides financial leadership and governance, it does not replace the external auditor or certify financial statements.
How We Work
How is your pricing determined?
Fees are based on value and scope, not hours. Fractional CFO retainers are monthly, in two tiers (Essential and Strategic), each set according to your company's size, complexity, and the depth of involvement required. Additional advisory services are fixed-fee, agreed per project by scope. We always begin with a diagnostic that clarifies what your company actually needs, then provide a written proposal with scope and fees, no surprises. The diagnostic fee is credited toward your retainer if you proceed.
How do the retainers work?
Two tiers matched to your stage: Essential CFO for structured monthly oversight, and Strategic CFO for deeper, more frequent executive involvement. Each has a defined scope, days per month, and a minimum commitment, detailed in a written proposal after the diagnostic.
Do you provide bookkeeping, Zakat filing, or audit?
No, by design. Bookkeeping, journal entries, Zakat and tax filings, payroll, and external audit are outside the scope of Prime CFO engagements. We focus exclusively on executive financial leadership, and we work alongside your existing accountants and auditors, we lead the numbers; they maintain them.
Is my financial data confidential?
Absolutely. Confidentiality is a strategic asset in our governing principles: your data is processed under strict professional confidentiality, never shared with any party, and handled in line with Saudi Arabia's Personal Data Protection Law (PDPL) and SOCPA professional obligations.
Do you work on-site or remotely?
Both, by engagement design: on-site presence for board meetings, leadership sessions, and key reviews, combined with continuous remote oversight powered by the Prime CFO platform tools. The mix is defined in your proposal.
How do we start?
Request a Financial Diagnostic through the contact form below. We respond within one business day, hold a short scoping conversation, and begin. If you'd like an instant preliminary read first, the platform's AI diagnostic gets you there in minutes.
