You grew fast — more locations, more moving parts — and somewhere in there the cash stopped matching the story. A part-time, senior CFO goes into your operational data, looks for where cash may be leaking and where it’s waiting, proves what it finds on your own numbers, and stays until the improvement is real.
A fractional (or outsourced) CFO gives you the seat of a seasoned chief financial officer a few days a month — without the cost or commitment of a full-time hire. At AJM Solutions, the person in your data is a 35-year CFO, not a junior analyst.
Board-ready reporting you can actually trust — cash and margin by location, branch, job, or truck, not just one blended number that hides the branch that’s bleeding.
We go into the operational data and put a dollar on what’s leaking — duplicate inventory, uncosted inter-branch freight, working capital trapped per site — and on the value that’s waiting to be captured.
Clean, defensible numbers for a covenant renewal, a raise, or an exit — so the buyer or lender doesn’t find something you can’t explain.
We work three markets we know from the inside — capital-intensive, multi-location, growing fast. If you’re a $20M–$150M owner-led business in one of these, this is our lane.
Oilfield services, contractors, and equipment businesses across Alberta and Saskatchewan — where utilization and job-level margin decide the year.
Fleets and carriers that added trucks and lanes fast — and need to know which lane actually made money, not just that revenue grew.
Multi-branch distributors carrying inventory and working capital across sites that no consolidated statement can untangle.
Every one of these is the same story: a growing, multi-location operation that couldn’t see itself until it saw the whole picture at once.
A fractional CFO is worth most when a few of these are true:
One low-risk first step, then proof, then a relationship — we don’t hand over a report and leave.
A focused call about where the pressure is. If there’s a fit, we scope a short, defined piece of work on your own data under NDA — and agree a fixed fee before you commit. If there’s likely nothing there, we’ll tell you that too. No obligation.
If there’s something worth chasing, that scoped work is built and tested on your own data — so what we recommend is grounded in your numbers, not a pitch.
The part that matters most. We take the fractional CFO seat — board reporting, cash and margin, the risks that matter — until the improvement is real and your team can hold it.
What does a fractional CFO do?
A fractional CFO is an experienced chief financial officer who works with your business part-time — a few days a month — instead of as a full-time hire. You get board-ready reporting, a clear read on cash and margin by location, and the two or three things to fix first, led by a senior CFO rather than a junior analyst.
How much does a fractional CFO cost in Calgary?
AJM Solutions’ fractional CFO engagements are far less than a full-time CFO’s salary and benefits, scoped to what you need. Most start with a short call, so you see the value before you commit.
What’s the difference between an outsourced CFO and a fractional CFO?
They mean the same thing: a senior CFO brought in part-time or on contract rather than hired full-time. We provide fractional (outsourced) CFO services to Alberta and Saskatchewan businesses that have outgrown their back office but aren’t ready for a full-time executive.
When should an owner-led business hire a fractional CFO?
When you’ve grown to several locations and can’t get a clean read on which one is profitable, when a loan renewal, raise, or sale is coming, or when you’re running the numbers yourself late at night. Those are the moments it usually justifies the cost.
A 20-minute call about your situation. If it’s a fit, we scope a short, defined piece of work on your own data — and if you’re already tight, we’ll tell you that too.
Book a call →If there’s nothing there, we’ll say so — that’s the point.
AJM Solutions is a Calgary-based fractional CFO and operational-advisory firm serving owner-led businesses in oil & gas services, trucking & logistics, and fuel & industrial distribution across Alberta and Saskatchewan. Learn more about how we work →