Your revenue is growing. Your cash isn't.
A fractional CFO service that finds the cash hiding in the business you already have, fixes the one constraint capping it, and gets you ready before you push harder.
See how the engagement works ›Scaling is a numbers game. Push harder on a business you cannot see clearly and you do not get growth, you get the same chaos at a bigger size. Fix the machine first. Then scale it.
The business is working. The bank account disagrees.
You're past $1M. Revenue went up last quarter and your bank account didn't follow. You hired two people who were supposed to create capacity, and somehow you have less of it. You keep saying yes to work that feels profitable, and at the end of the month there's nothing left.
You've looked at the P&L. You've talked to your accountant. You've even pasted your financials into ChatGPT and gotten a confident, articulate answer. Three months later, the cash gap is wider and you're less sure than when you started.
You're not crazy. You're just looking at the wrong numbers, and nobody around you knows which ones are the right ones.
AI can read your P&L. It can't tell you what it doesn't know.
You've probably tried it. Pasted the financials into a chat window, asked what's wrong, got a clean answer with bullet points. It felt like progress. Here's the wall you hit:
AI answers the question you asked. The number that kills companies between $3M and $10M is in the question you didn't ask. A blind spot is, by definition, the thing you don't know to prompt for. Your cash conversion cycle can widen for six straight months while you're asking about gross margin, because nobody told you the cycle exists.
AI is equally confident when it's wrong. And you have no way to check its work, because checking requires being a CFO. Which is the whole problem.
Count the real cost. You didn't get a CFO. You became your company's most expensive analyst, and none of the analysis changed a single decision.
Here's the part that might surprise you: we're not anti-AI. We run more AI on your numbers than you ever will. The difference is a CFO who has run a P&L decides which of its answers matter, and what move you make Monday morning. You're not paying for the AI. You're paying for the judgment that filters it.
Don't scale chaos. Build the financial machine first.
ScalingCFO.io combines the financial operations, operating system and CFO judgment you need to grow without losing cash, profit or control.
Financial Ops
Reliable numbers, produced on time. If this layer is weak, every forecast and scaling decision built on it is weak.
ScalingCFO.io Financial Operating System
Turns accounting data into forward-looking visibility, targets and a repeatable management cadence.
CFO Judgment & Growth Decisions
A real CFO decides what the numbers mean, what deserves capital and what move the company should make next.
Financial Ops is not the destination. It is the foundation that makes strategic CFO work possible. If your books already close cleanly, we use them. If they do not, we can own the production layer too.
How that turns into scalability
Each layer answers a different question: Can we trust the numbers? What is capping growth? What will the next level require? Can the business absorb it?
Establish Financial Truth
Books close. Accounts reconcile. Margins and cash are measured correctly. The CEO has a credible baseline.
Find What's Capping Growth
Name and size the one constraint limiting cash, profit or capacity instead of attacking five symptoms at once.
Model the Next Level
Know what the next stage of growth requires in people, margin, working capital and cash before you commit.
Install the Operating Cadence
Run the 13-week cash forecast, CEO Dashboard, rolling forecast and KPI ownership needed to see issues early.
Scale With Control
Hire, price, invest, finance and expand with visibility into what the business can absorb and what creates return.
Cash, margins, runway and exceptions stay visible instead of waiting for month end.
What changed, what it means and the one move that matters now.
Reset the 90-day priorities against what actually happened, then execute.
The result: a business that can grow without breaking the financial machine.
More cash. Stronger economics. More capacity. Better decisions. Higher enterprise value.
Wherever you are right now, there is a way in.
Questions about how the engagement works, answered without booking anything.
See how the engagement works ›“I want an opinion on my business.”Bring your financials to a 60-minute Financial Scaling Session and walk away knowing what looks right, what needs attention, and what to deal with first.
Book the session · $497 ›
Built by a CFO who has actually run the numbers at scale
Cruz Gamboa spent 25+ years in GE Finance, ultimately serving as CFO of GE Power for Latin America and closing capital markets transactions up to $800 million. Then he left to do the harder thing: apply that discipline inside growing companies, where there's no finance department to hand things to.
ScalingCFO is the system he built running his own advisory practice, now delivered by Cruz and his senior team, with AI doing the heavy reading. He's not a coach. He's a CFO who tells you what to do and stays until it's done.
The cash is the means, not the point. The system doesn't stop when it finds the money. It builds a company where the numbers, the team, and your life point the same direction.
Cruz Gamboa on LinkedInKnow exactly where profit, cash and capacity are trapped.
Most financial advisors promise "clarity" and "insights." We quantify the opportunity, determine what actually matters, and connect the work to your ability to scale.
Where the opportunity hides
Illustrative annualized profit opportunity · $4M services company
- Reported profit$312K
- Pricing leakage+$84K
- Margin mix+$46K
- Labor leakage+$31K
- Scope creep+$22K
- Overhead leakage+$17K
- Potential profit$512K
Every opportunity is classified by what it unlocks
The point is not random cost cutting. We separate the opportunities that improve economics, release cash, create capacity, and make the next stage of growth safer.
Improve the economics
- Pricing and discount leakage
- Service-line margins
- Customer profitability
- Cost-to-serve and overhead
Release trapped working capital
- Collections and payment terms
- Cash conversion cycle
- Inventory and WIP
- 13-week cash visibility
Remove the constraint
- Labor utilization
- Process bottlenecks
- Delivery capacity
- Fixed-cost leverage
Fund the next level safely
- Growth economics
- Hiring capacity
- Capital requirements
- Financing readiness
Every opportunity is quantified, prioritized and connected to the constraint limiting the business, so the company can absorb the next $1M, $3M or $5M of growth without breaking cash, margin or control.
What founders say afterwards
Their words, not ours.
“In one conversation, Cruz named what my other advisors missed: a structural cash problem dressed up as a marketing problem.”
IVitamin
“Cruz helped me shift from running the business in reaction mode to leading it with intention. He challenged my thinking, helped me separate noise from truth, and gave me a clear path to scale without losing myself or my values. I’m showing up as a better CEO and our team feels the difference.”
Sonik FM
“He gives you the exact numbers to watch as a CEO, and he sees how to use the finances to scale the whole business.”
Big Impact HQ
“Instrumental in scaling our real estate investment business to multiple eight figures by enhancing our forecasting, business intelligence, and core values.”
Sell to Bobby
“Cruz’s financial clarity and steady presence have given me the confidence to lead as a true visionary and legacy builder, while empowering my sons and employees to grow into the exponential future we’re creating.”
“The best time I’ve spent on my business in years.”
The Mindful Habit System
Start with an audit. Stay for the system.
The Profit Audit is the front door. The Financial Scaling Audit goes wider, for founders past $2M.
The Profit Audit
- The Profit Leak Walk: where the money went, priced and dated
- Every expense triaged, with totals: cut, review, or feed
- Five moves, ranked, each with a monthly figure attached
- A renewal calendar, so nothing auto-renews while nobody is watching
- A redirect plan: pay yourself first
- Your books graded on 50 points, so you know whether they can answer "where did the money go"
- A 60-minute review, and a 30-minute follow-up two weeks later to confirm the cuts happened
The Financial Scaling Audit
- Understand what it would actually take to make the business fundable and ready to scale, and what is blocking that today
- See which service lines can carry growth once labour is allocated, and which ones lose more the bigger they get
- Know how many days your cash stays trapped in the operating cycle, and how much growth that lets you fund
- Get the one number capping your growth, named and sized, so you scale against it instead of around it
- Find out where what you believed and what the books say stop agreeing, before you build a growth plan on the wrong one
- Know whether your books can carry a scaling decision at all, graded on 50 points
- Walk away with a written 90-day plan built from those numbers, yours whether or not you hire us
Then, monthly
Monthly engagements start at $3,000.
Every monthly engagement starts with an audit, so the first call is a strategy session about which one you need and what the plan would be.
Someone who has run a P&L decides what the numbers mean and what you do about it.
Core
- Full access to the ScalingCFO system: your live dashboard, playbook, and numbers, watched every day
- Weekly 30-minute CEO Dashboard check-in: what changed, what's flagged, your one move
- Monthly Closing Call, books closed in 7 business days or less, with or without Financial Ops
- Your system-drafted plan, revised with your advisor monthly
- Written summary after every touchpoint
Scaling Advisory
- Everything in Core, led by a senior advisor
- Twice-monthly working sessions on your 90-day constraint plan
- Your 13-week cash flow, maintained weekly
- A one-page Decision Memo on every hire, price, and spend question
- A quarterly reset: the 90-day plan rebuilt against what actually happened, not against last quarter's assumptions
Embedded Growth CFO
- Everything in Advisory, led by a senior CFO, named before you sign
- A seat in your leadership meetings
- A maintained forecast: scenarios run before every commitment
- Board and lender packs prepared and presented, so the numbers are defended by the person who built them
Financial Ops
- BookkeepingKept current, not reconstructed at year end
- ControllershipThe close, reconciliations and controls, in 7 business days or less
- Finance tech automationSo the numbers assemble themselves instead of being chased
- FP&A productionThe model, the 13-week cash flow and the reporting pack, maintained
Every CFO tier requires books that close accurately and on time. If your current team already does that, keep them. If not, Financial Ops gives you the bookkeeping, controllership, automation and FP&A production layer underneath the advisory.
Past $10M, or heading into a raise, acquisition, or exit? Every tier above runs on Cruz's system, delivered by his senior team. This one is Cruz himself, at the table for the decisions a company only makes once. He holds five to six companies at a time.
Not sure you can trust your books? The Books Quality Assessment reviews 50 critical areas to determine whether your numbers are accurate, complete, and decision-ready. In five business days, you get a clear verdict and prioritized fix list.
Not ready for a full diagnostic? Start by learning the cash system every growing business needs. In the Cash Flow Breakthrough workshop, you’ll build the habits and tools to forecast cash, spot problems early, and make decisions with more confidence.
Asked by every founder, answered straight
Why wouldn't I just use ChatGPT or Claude for this?
How is this different from my bookkeeper or accountant?
What if my books are a mess?
Not sure what your numbers are really telling you?
Bring your financials to a 60-minute Financial Scaling Session. We’ll give you a quick read on the health of your books, identify what’s driving cash and profitability, and pinpoint the financial issue that deserves your attention first.
Walk away knowing what looks right, what needs attention, and your highest-priority next move.
Not sure it's a fit? Check before you commit.
See who you would actually be working with, or message us directly. No form, no sequence, no salesperson.
About
Message usThe difference isn't harder work.
It's seeing what your numbers aren't showing you, and having someone who knows what to do about it. Build a company that creates wealth you keep, and a life you actually get to live.