OWNER-OPERATORS

The finance leadership your business needs

For business owners who've outgrown a bookkeeper or part-time controller but aren't ready to commit to a $250K+ CFO. McCracken brings senior financial leadership on the timing your business actually needs.

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The Challenge

When the business outgrows its finance function.

The Bookkeeper Can't Answer the Strategic Questions

Your finance person can close the books. They can't tell you what your CAC payback period is, what your gross margin trend looks like, or what the right pricing model should be next year. Strategic decisions get made on instinct.

The Bank Wants Reporting You Don't Have

Lender renewals, line increases, or new financing — every time the bank wants better visibility, the scramble starts. Audit-ready reporting and a 13-week cash flow forecast shouldn't be a fire drill.

Growth Is Stretching the Finance Function Thin

What worked at $5M doesn't work at $15M. Reporting takes longer. Cash management gets reactive. The finance team is buried in close — and there's no one looking 90 days ahead.

You're Not Ready for a Full-Time CFO

A salaried CFO is a $250K+ commitment. Most owner-operators don't need 40 hours of CFO work a week. They need 4-12 hours of the right CFO — and a partner who can scale up when the situation requires it.

How we Help

Senior leadership, owner-friendly structure.

McCracken is a CFO firm built around a flexible associate model.

Engagements Built Around You

No retainers. No long-term contracts. Engagements scale up when the business needs it and back down when it doesn't.

A Real CFO, Not a Bookkeeper-Plus

he professionals in our network are former CFOs of $25M-$500M companies — not accountants with a higher title. They've sat in the chair you're hiring for.

Matched to Your Situation

Manufacturing experience, SaaS metrics expertise, capital raise prep, bank refinancing — we match the CFO to your specific challenge, not your industry generically.

Hands-On from Day One

Within the first 30 days, you'll have a real cash flow forecast, a strategic dashboard, and a finance partner who knows your business. No 90-day onboarding tax.

WHAT WORKING TOGETHER LOOKS LIKE

From first conversation to exit and everything in between.

McCracken works alongside groups across the full ownership lifecycle.

Phase 1 – Week 1
Discovery

We learn the business — finance setup, recent challenges, what's coming next. No commitment.

Phase 2 – First 100 Days
Building the Financial Infrastructure

The CFO deploys at close. Reporting gets built. Controls get established. The management package takes shape. The PEG gains the financial visibility needed to actively manage the asset by the first board meeting, not six months later.

Phase 3 – Ongoing Engagment
Embedded Financial Leadership

Beyond the initial infrastructure build, the McCracken CFO operates as the embedded financial leader, attending board meetings, owning management reporting, supporting the value creation plan, and modeling add-on acquisitions as the company pursues its growth strategy.

Phase 4 – Transition & Exit
Interim Coverage & Permanent Placement

When the business outgrows the fractional model, or when the PEG is preparing for exit and wants permanent leadership in the seat, McCracken manages the transition in-house. Interim coverage eliminates any gap. Permanent placement is executed without bringing in an outside search firm or losing institutional knowledge.

How we use AI

AI as a Tool. Sharpening the work
internally and in service delivery.

Associate Matching & Fit Scoring

AI assists in scoring associate profiles against engagement requirements, surfacing candidates whose ERP fluency, transaction history, industry experience, and more match the specific attributes of the portfolio company. The result is faster, more precise matching.

AI-Literate Finance Executives

AI is reshaping how finance functions operate, redefining what is possible from an automation perspective and enhancing the depth and speed of analytical work. AI in finance is no longer a theoretical use-case for billion dollar companies, it is an integral part of the modern finance professional's toolkit.

Talent Pipeline Intelligence

AI supports the ongoing curation and enrichment of our
associate network, identifying coverage gaps across
geographies, industries, and experiential attributes. This
ensures our bench of talent stays strong as engagements grow and diversify.

Operational Reporting & Firm Intelligence

Internally, AI supports McCracken's own management reporting through pipeline tracking, engagement performance, and associate utilization. We operate by the same standard we bring to every engagement.

Let's Talk

The Right Leader at the Right Moment

One conversation is usually enough to figure out the right path.