Fractional CFO Services

Fractional CFO Services in Saudi Arabia

Executive financial leadership by subscription for Saudi growth companies, at listed-company standards, at a cost that fits your stage. Delivered by Prime CFO with a quarter century of CFO experience.

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What is a Fractional CFO?

A Fractional CFO is executive-level financial leadership your company accesses by subscription, instead of hiring a full-time CFO at full cost. You gain a genuine CFO's expertise in financial planning, liquidity management, board reporting, and strategic decision support, for a defined number of days per month suited to your size and stage.

This model, known globally as the Fractional CFO, gives growth-stage companies what was once reserved for large corporations: mature executive financial judgment, without a permanent employment commitment.

When does your company need a Fractional CFO?

If your company recognizes one or more of these signals, it may be time for executive financial leadership:

Financial Leadership Capabilities

What does Prime CFO deliver as your Fractional CFO?

Financial Planning & Analysis, FP&A

Building an FP&A function that links financial performance to strategy, variance analysis, scenario modeling, and an executive reading that turns numbers into decisions.

Budgeting & Forecasting

Driver-based annual budgets and rolling forecasts that keep management on a continuously updated picture.

Cash Flow Management

Liquidity discipline through 13-week cash flow forecasting, working-capital optimization, and surfacing trapped cash before it becomes a crisis.

KPIs & Management Reporting

Designing a KPI framework and management dashboards that show business health clearly, so leaders see what matters without noise.

Board & Investor Reporting

Preparing a listed-company-standard Board Pack, with reporting that presents performance and risk in language the board and lenders trust.

Financial & Strategic Decision Support

A seat at the decision table, pricing, expansion, investment, financing, with analysis that balances opportunity and risk, turning ambition into an executable path.

CFO vs. Accountant: the difference

An accountant records what happened; a CFO decides what should happen next. The two roles complement each other, and a Fractional CFO does not replace your accounting team, it leads them and turns their work into executive decisions. The table below shows the difference across twelve dimensions:

Dimension
The Accountant
The CFO
Primary goal
Recording transactions and preparing financial statements
Leading financial strategy and executive decision support
Nature of work
Operational, day-to-day
Strategic and executive
Time horizon
Past and present
Present and future
Budgets & forecasts
Preparing the data
Leading planning, budgets, and forecasts
Reporting
Periodic financial statements
Analytical executive reporting for management and board
Profitability
Presenting results
Analyzing and improving margins and profit drivers
Cash flow
Recording movements
Managing liquidity, cash planning, and working capital
Costs
Recording and classifying
Analyzing structure, removing waste, improving efficiency
KPIs
Rarely
Designing and monitoring KPI frameworks and dashboards
Major decisions
Rarely involved
Leads the analysis behind pricing and expansion decisions
Banks & financing
Preparing documents
Building the financial file and supporting facility negotiations
Relationship with management
Process executor
A partner at the decision table

The difference is not in the quality of the numbers, but in who reads them and turns them into decisions.

Every engagement begins with a diagnostic

Before any commitment, the Prime CFO team runs an independent financial diagnostic, revealing where you stand, your priorities, and what you actually need. Explore our full methodology and monthly financial leadership packages on the homepage.

View Service Packages Meet the Founder
فهد الأسلمي - المؤسس والشريك الإداري، Prime CFO
Who Stands Behind the Service

Fahad Al-Aslami, Founder & Managing Partner

A quarter century in senior finance leadership across PIF entities and Tadawul-listed companies, including Al Akaria, NHC, SPIMACO, Maaden Aluminium, SATORP, and STC, with active board memberships. CFA, CMA, SOCPA Fellow, INSEAD IDP-C.

Full founder profile
Frequently Asked Questions

Questions owners and executives ask before starting

What is a Fractional CFO?
Executive-level financial leadership your company accesses by monthly subscription: performance review, budgets and forecasts, liquidity management, and board reporting, without the cost of a full-time hire. You subscribe to a leadership function, not a part-time employee.
When does a company need a Fractional CFO?
When revenue grows but cash tightens, profit is positive while operating cash flow is negative, you are preparing for bank financing or a major decision, or reporting lags the pace of decisions. If two of these sound familiar, the need is probably real.
Is a Fractional CFO a replacement for the accountant?
No. The accountant records transactions and prepares statements; the CFO leads planning and analysis and supports decisions. The roles complement each other: you keep your accounting team, and the Fractional CFO leads it and turns its work into executive decisions.
How does a Fractional CFO differ from a full-time CFO?
Same executive caliber; the difference is the engagement model: an agreed monthly scope and days instead of full-time employment, giving the company the leadership it needs at a fraction of the total cost of a full-time hire, with flexibility to adjust scope as the stage changes.
How much time is dedicated to our company?
Days per month are defined by company size, business complexity, and service scope, and documented explicitly in the engagement. Our rule: enough time to create real impact, not token presence.
How is the fee determined?
By scope, days, and company stage, with the proposal confirmed after an initial diagnostic. The economic reference is simple: a fraction of the all-in cost of a same-caliber full-time CFO, which typically exceeds SAR 1 million annually at Saudi market ranges.
Is the service on-site or remote?
Whichever fits your company: on-site in Riyadh, remote, or hybrid. Management and board meetings are defined in the engagement; presence follows impact, not form.
Which sectors and companies fit the service?
Saudi growth companies with roughly SAR 10-300 million in revenue: family businesses beyond basic accounting, growing firms preparing for bank financing or a major decision, and companies whose sales grow without matching improvement in liquidity or margins.
How do we start with Prime CFO?
Every engagement begins with an independent financial diagnostic revealing where your company stands and its real priorities, concluded with a findings report and a priority map. Then you decide clearly: which financial leadership package fits your stage, or whether the diagnostic and its map suffice.
Is our financial data kept confidential?
Yes, under strict professional confidentiality. Data is handled per the confidentiality obligations documented in the engagement, never shared with any party, and governed to the standards a board member expects of a professional firm.
Do you provide listing or investor-raising services?
No. Securities business, including arranging and advising on offerings and listings, is licensed by the Capital Market Authority and conducted by licensed institutions; it is outside our license scope. Our role precedes and complements it: building a financial file to institutional standards, and working alongside your licensed financial advisor when you need those services.

Ready for executive financial leadership that fits your stage?

Start with a financial diagnostic from Prime CFO, and discover how a Fractional CFO can elevate your financial decision-making.

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