Carlos F.

Fractional CFO for small and mid-sized companies, from startups in early-stages to established businesses facing a turnaround or Chapter 11. Earlier in my career I was a Partner at Booz Allen & Hamilton, Roland Berger and Adventis, advising Fortune 100 companies, and I founded and exited an e-commerce health, beauty and pet products company (own channels, Amazon FBA and Walmart). Companies typically engage me when achieving profitability is challenging, cash is tight, forecasts prove unreliable, the accounting function cannot produce dependable reports, or a financing, acquisition, sale or Chapter 11 filing is approaching. I lead the finance function as a full-time CFO would, on a part-time basis, and provide management with the analysis its decisions require. FRACTIONAL CFO SERVICES * Cash Flow: 13-week cash flow forecasts, working capital and lender relationships. * FP&A: Annual budget, rolling forecast, scenarios and budget-to-actual variance reviews. * Monthly Reporting & KPIs: Management reporting and the KPIs that drive decisions. * Profitability: Pricing, margins and costs, by product, channel and customer. * Board, Investor & Lender Reporting: Board packages, investor updates and covenant reporting. * Fundraising: Financial models, investor pitches and term sheet negotiation. * M&A & Exits: Valuation, due diligence, deal structure and exit readiness, buy side or sell side. CHAPTER 11 & TURNAROUND I serve as Financial Advisor to the Debtor or Chief Restructuring Officer, or as interim CFO, working alongside your bankruptcy counsel. * Cash Control: 13-week cash flow forecasts, DIP and cash collateral budgets, budget-to-actual reporting. * Court Reporting: Monthly operating reports and the financial information counsel needs for filings. * Plan & Exit: Plan projections, liquidation analysis, valuation and 363 sale support. * Out-of-Court Options: Workouts and restructurings before a filing. AI FINANCE & ACCOUNTING AUTOMATION (included in every engagement, not offered separately) We offer AI Finance & Accounting Automation, AI agents eliminate the bookkeeper and staff accountant, so the CFO runs the entire accounting/finance function while focusing on higher value strategic activities. * Bookkeeping, replaced: every document captured from one inbox, classified, posted and reconciled in QuickBooks Online. Xero implementation in the works. * Accounting, replaced: monthly close with quality checks, accruals, balance-sheet schedules and the year-end package for your CPA. * Always current: dashboards to facilitate senior management decision making, weekly cash position, monthly management pack and ad hoc reports on request. * Chapter 11: books split at the petition date, Monthly Operating Report inputs and the weekly 13-week cash flow. * Controls: the CFO approves anything outside approved rules; the AI never moves money or signs. SELECTED WORK (client details withheld) * Acquisition of an established US fashion brand: original asking price of $125M, bought through an assignment for the benefit of creditors for $2.5M. * Prepared a services firm for sale. * Financial oversight across a founder's group of companies. * $125B+ of telecom and media M&A earlier in my career. BACKGROUND * AT&T Bell Labs. * Angel investor: Managing Director at Golden Seeds Angel Group. * Kellogg MBA; Master's in Electrical, Electronics and Communications Engineering and BS in Computer Science (Summa Cum Laude), Stevens Institute of Technology. SECTORS E-commerce and online marketplaces, SaaS and AI, fintech, health-tech, real estate, hospitality, and multi-company holding groups. ENGAGEMENT I lead each engagement personally and bring in legal and tax specialists only when required. Many clients begin with a fixed-scope project from my Project Catalog: a 13-week cash flow forecast or a profitability review. Top 0.1% earner on Upwork | $950,000+ | Expert-Vetted CFO Tell me where the business stands and what decision is coming up, and I will tell you how I would approach it.