Fractional CFO · SaaS · Fintech · Payments · NY/NJ
You should not find out you are running out of cash two weeks before it happens.
I help founders get real-time control of cash, build models that hold up under board scrutiny, and install a finance cadence that runs without me in the room every day.
Naitik Patel, CPA · 25+ years in finance leadership
Broadridge · Citi · Deutsche Bank · Merrill Lynch · Deloitte
What changes
01
Cash clarity you can act on
A 13-week rolling cash forecast. Real visibility into runway, covenant risk, and working capital. Before it becomes a crisis.
02
Forecasts your board trusts
Driver-based models that connect your operating assumptions to your P&L and balance sheet. Scenario-ready for fundraising conversations.
03
A finance operating system
Close cadence, KPI dictionary, CFO pack. Infrastructure that makes your numbers repeatable. No single point of failure.
Built for founders who have outgrown their bookkeeper.
You have revenue. You have a team. But your financial picture is still assembled by hand every month and nobody fully trusts it, including you.
That is the gap I fill. Not a consultant with a deck. A finance operator who gets in the numbers with you.
Who this is for
The first 30 days
You will know where you stand within the first week.
No multi-month discovery phase. We move fast and build as we go.
A note on tools
ERP and AI Readiness Assessment
Before you spend six figures on an ERP implementation or an AI tool your team will not use, you need an honest assessment of what you actually need and when. I evaluate your current finance stack, identify the highest-leverage gaps, and give you a phased build plan. Available as a standalone engagement or as a retainer add-on.
See the full scope on the Services pageEngagements
How clients work with me
Engagements are scoped based on complexity, reporting cadence, and team size.
A full-time CFO in the NY metro costs $280K–$380K per year in salary before benefits, bonus, and equity. Most growth-stage companies do not need that yet. They need the judgment without the overhead.
Financial Diagnostic: where every engagement starts
Before the retainer begins, I spend a week inside your numbers. You get a clear-eyed assessment of your cash position, reporting gaps, and what needs to be built first. The fee applies toward your first month if we move forward together.
$5,000
one-time · credited to retainer
Most growth-stage clients land between $6K–$10K/month. Let us talk about what makes sense for your situation.
From the desk
Latest from the blog
Practical takes on SaaS finance, fundraising, and running a tighter operation.
Supply Chain + Margins
The Tariff Ruling Changed Your COGS. Has Your Pricing Model Caught Up?
The U.S. Supreme Court struck down IEEPA tariffs on February 20, 2026. For companies with hardware components or physical supply chains, the ruling created immediate pricing instability.
2026-02-21
Pricing Strategy
When the Hospital Says the Budget Is Frozen: How One Med Device Company Restructured Its Pricing Model
Healthcare networks froze capital expenditures in Q4 2025. For medical device companies with enterprise sales cycles, that freeze broke the cash conversion model entirely.
2026-01-15
Tax + Cash Flow
The Section 174 Window: There Is Cash Trapped in Your Past Tax Returns
The One Big Beautiful Bill Act reversed the forced five-year amortization of domestic R&D expenses. For a SaaS company that spent $2M–$5M on domestic engineering annually, the recoverable amount can exceed six figures per year.
2025-12-15
Common questions
Let us talk about your numbers.
30 minutes. No pitch. An honest conversation about where your finances stand and whether I can help move them forward.
Book a strategy call