Camino CFO

Fractional CFO and FP&A

A fractional CFO who walks the road with you.

Camino CFO builds the budgets, cash flow forecasts and monthly financial packages that show where your business stands and what to do next. Senior finance leadership, without the cost of a full-time hire.

Book a diagnostic See the CFO Package

Built for companies with $5M to $20M in revenue

Camino CFO logo: a pilgrim with a walking staff and a scallop shell on the chest

Who I serve

Companies with real revenue, a working accounting team and decisions that need better numbers.

Your accounting team keeps the books current. I turn that data into budgets, forecasts and a clear read on cash, and I work directly with your executives on what comes next.

$5M to $20Min annual revenue
Under 300employees
In placeaccounting staff keeping the books

SaaS and technology companies

Recurring revenue, a lag between signing and billing, and a sales team that needs a forecast to plan around.

  • Customer census and ARR, with retention, LTV and CAC
  • Bookings, backlog and time from signing to billing
  • Pipeline, quota and commission forecasts

Nonprofit organizations

Restricted funds, funder reporting and a board that wants the story behind the numbers.

  • Budget to actual by program and funder
  • Board-ready financial packages
  • Multi-year models for campaigns and growth

Multi-unit, restaurant and service businesses

Several locations or a project-driven model, thin margins and constant decisions about cost and cash.

  • Unit and product P&Ls with overhead allocated by team
  • Break-even and product revenue mix
  • Cash planning for new locations and expansion

The CFO Package

One monthly package that answers where the business stands.

Each month I prepare the materials and walk you through them. You see the results, the variances that matter and what it takes to reach your goals.

  • Monthly financial packageIncome statement against budget and prior year, a balance sheet with risk items and reconciliations, and the cash flow statement.
  • Cash flow projectionsCash in and out, expected bills, how much is available for growth, marketing or expansion, and where costs can come down.
  • Prepared check-in callsOne-hour calls with an agenda, talking points, recommendations and progress against your financial goals.
  • Quarterly financial deckThe package dressed up for QBRs and investor updates, with commentary on variances and progress.
  • Weekly KPI emailSales, receivables and cash at a glance, once your data connections are automated.
Retention rateBreak evenActual vs budgetLTV and CACProduct revenue mix
Budget vs actual · Month 9 Illustrative
LineBudgetActualVar %
Revenue412,000398,600-3.3%
Personnel188,000191,200+1.7%
Operating expense96,50088,900-7.9%
Occupancy31,00031,0000.0%
Net operating96,50087,500-9.3%

Flag for leadership: two large invoices land next month, so the revenue gap is timing. Personnel is the line to watch.

  1. 1Review of financial statements
  2. 2Progress on budget and goals
  3. 3Cash flow and forecast

Where I look first

Three areas tend to hold the answers.

Once these are in order, dashboards and analytics have something solid to sit on.

Spending, people and debt

  • Bank statements reconciled to the books, with expenses classified as cost of goods or operating expense
  • Contract commitments and when they can be renegotiated
  • An employee census for payroll, bonus and vacation accruals
  • Debt recorded properly, with a payment calendar

Sales pipeline

  • How much is in the pipeline and how often deals close
  • Profitability per deal
  • Time from signing to implementation and billing
  • Commission schedule and the potential payout

Receivables and cash

  • Outstanding receivables and collection rate
  • Bad debt
  • Break-even point
  • Months of runway, with a cushion for surprises

Goals without objectives are just dreams.

New clients start by listing their goals for the next five years. I return a plan of action and the analytics to track progress against it.

First 90 days

A clear plan from the first call to a three-year forecast.

Every engagement starts the same way, then bends to fit your company.

Days 1 to 30
  • Collect access and source data
  • Meet company leadership and write out goals
  • Learn your structure and current processes
  • Build the first financial package
Days 31 to 60
  • Establish the budget and forecast
  • Build the cash flow forecast
  • Define and complete the KPIs and metrics you need
Days 61 to 90
  • Customize the financial package with your management team
  • Walk through and analyze the KPIs
  • Start on financial strategy
  • Complete a three-year forecast

What I need to get started

  • Accounting software access
  • Past financial data and current financial statements
  • Current budget
  • List of any financial reporting obligations
  • Org chart

Helpful to have

  • Customer list with activation date, renewal terms and total ARR
  • Employee census with salary, fringes, bonus potential, start date, title, group and type
  • Sales pipeline, goals or quotas, backlog of signed clients not yet billed, and your commission program

Engagements

Three ways to work together.

Fixed fees up front, so you know the cost before we begin. A diagnostic is a good first step if you are not sure where to begin.

Fractional retainer

$2,500 to $5,000 per month

Ongoing finance leadership at a fraction of a full-time hire. Scope sets the tier.

  • The monthly CFO Package and check-in calls
  • Forecast and cash flow updates
  • The entry tier is the package with one monthly call, and larger scopes add more involvement

Diagnostic

$2,500 to $4,000 fixed fee

A focused review of how your finances are run today and a plan for what to fix first.

  • Review of reporting, close process and forecasting
  • Where decisions rely on weak or missing data
  • A prioritized roadmap you can use with or without me

Project build

$5,000 to $10,000 per project

I design and build a specific piece of your finance function and hand it over working.

  • Budget, forecast or cash flow model
  • Accounting software structured to feed your reporting
  • Documented finance processes, policies and procedures

Pricing shown is the typical range. The diagnostic fee depends on the size and complexity of the organization, and the retainer tier depends on how much support you need each month. If your accounting team is still getting up to speed, I can take on those duties in the meantime.

About

Senior FP&A experience, now available to smaller teams.

I am Osvaldo Valdes. I have spent my career as the finance partner to executives at large organizations, building financial systems across multi-unit operations and bringing acquired businesses into one reporting structure.

Camino means road in Spanish, and I treat every engagement as a journey we take together, with goals, checkpoints and adjustments along the way. The aim is a smooth start and useful work from the first month.

Previously, senior FP&A roles at

  • The Metropolitan Museum of ArtCultural institution
  • UNICEF USAGlobal nonprofit
  • Vela TradingTrading and operations
  • Service Corporation InternationalMulti-unit operations, M&A integration

Tell me what you are trying to see in your numbers.

Send a short note about your company and the decision you are facing. I will reply with whether a diagnostic is the right first step. Calls are scheduled around your day, including evenings.

Buen Camino,
Osvaldo Valdes

Email ossie@caminocfo.com
Email Osvaldo