CFO Services for Small Businesses

Based in Conroe, Texas, Teal Business Solutions helps small-business owners nationwide turn financial reports into clear decisions about cash flow, profit, and growth. Your books tell you what already happened. We help you decide what to do next: how much cash you'll have in 90 days, whether you can afford that hire, and what your banker will see when you ask for credit.

We offer fractional CFO services in Conroe, The Woodlands, Spring, Houston, and across Montgomery and Harris counties. We also work remotely with QuickBooks Online clients nationwide.

CFO services start at $400 per month.

Book your free Beyond Bookkeeping call

Call or text 936-446-0432

Send us a few details about your business through the form. Expect a reply within 1–2 business days, and we'll find a time for your free consultation.

What's included in our fractional CFO services

You can choose one of three ongoing packages, each building on the one before it, or a focused 90-Day Sprint that tackles one problem. You can add extras to any package as your needs change.

Insights

For owners who want to understand their numbers and make decisions faster

Monthly financial statements
Monthly KPI scorecard
A short personal video (5 minutes or less) walking you through your results

Growth

For owners getting ready to grow with a real plan

Everything in Insights
Quarterly goal and strategy meetings
Annual budget session
Quarterly budget-vs-actual reviews

Scale

For owners in growth mode who want a hands-on financial partner

Everything in Growth
Cash flow projections
Profitability analysis
Monthly meetings

Add-ons

Add what you need when you need it. You never have to move up to a bigger package just to get one thing.

Monthly strategy meetings: available with any package
Cash flow analysis: a one-time deep look at where your cash is going
Scenario forecasting: see the numbers on a big decision before you make it
Budget planning: a budget built around your goals
Quarterly KPI report and review call: for bookkeeping clients who want more insight without a full package

90-Day Sprints: solve exactly one thing, fast

If one specific problem is holding you back, a Sprint is built to fix it in 90 days. Each Sprint has four structured meetings. A kickoff sets the goal and gathers what we need, two check-ins track progress and adjust course, and a final meeting walks you through your deliverables. Between meetings, we do the analysis and build the plan, so every session moves you forward. Every Sprint ends with clear deliverables you can use and the option to continue with ongoing advisory.

Cash Flow Catalyst: A 13-week rolling cash forecast, a review of owner draws and debt pressure, a cash timing and collections review, and a cash reserve target and plan. This is the Sprint for "can I afford to hire?" and "why does growth keep eating my cash?" See the Cash Flow Catalyst
Profitability Booster: A line-by-line expense audit and profit leak assessment, a profitability dashboard by service line, a pricing and margin optimization report, and a scorecard that keeps you on track after the Sprint ends. This is the Sprint for "am I actually charging enough?"
Debt Reduction Action Plan: A full debt snapshot (balances, rates and cost), a prioritized payoff strategy, a month-by-month payoff timeline, and a plan to free up cash so you can pay debt off faster. This is where the lending background does the most direct work. Deciding which debt to pay off first, and in what order, is the kind of call a commercial lender makes every day.
AI Implementation Roadmap: An assessment of your AI skill level and business needs, a roadmap for building your business's AI capabilities, custom projects, skills, resource files and a prompt library, and a custom AI policy for your company and clients. Explore the AI Implementation Sprint
Personal Finance Organization: A snapshot of your overall personal finances, a custom monthly budget, an automated bill-pay system, and a savings plan with a realistic target. This is for owners whose personal and business finances have gotten tangled together.

Want a phase-by-phase breakdown of any Sprint, with the exact deliverables at each stage? Ask us for details.

Want a deeper look first? The Financial Audit & Blueprint

The Financial Audit & Blueprint is a paid deep dive, separate from the free consultation. We go through your books and reports and tell you what we recommend you do from here. It's a fast, focused snapshot of where your finances actually stand, before you commit to anything bigger. You get a seven-area Financial Health Scorecard, a one-page summary in plain English with the single next step we'd recommend, and a 30-minute debrief call, usually within a few business days. Learn about the Audit & Blueprint

What we don't do: We don't manage investments or give investment advice, and we don't prepare taxes. Our CFO work is about your business: cash flow, profit, budgets and planning. We work alongside your CPA, not in place of them.

Who our fractional CFO services are for

We work with founder-led service businesses doing about $200K to $3M a year. These are owners who've built something real and are still making most of the money decisions alone. Does this sound like you?

A Profit & Loss lands in your inbox every month, and you're not really sure what it's telling you
Revenue is growing, but the bank balance isn't
Cash is tight, and payday feels like a coin flip
You're not sure how much you can afford to pay yourself
You want to hire, raise prices or expand, but you don't know if the numbers support it
Your banker is asking for financials and projections you don't have
You're making big decisions on gut instinct, and it's exhausting

If you're wondering what this role looks like day to day, our post on what a CFO advisor does walks through it.

CFO work only helps if the numbers underneath it are right. If your books are behind or you're doing them yourself, start with our monthly bookkeeping services, and we'll add CFO support once the foundation is solid.

How working with a fractional CFO works

1. A free Beyond Bookkeeping consultation

Book your free consultation through the contact form, or call or text 936-446-0432. It's a conversation, not a sales pitch. We'll talk about what your business needs, what we offer, and how the two fit together: what's working, what's keeping you up at night, and where you want the business to be in a year or two.

2. A look at your current financials

If you use QuickBooks Online, you add us as your accountant user. If you don't, we can work from your current financial statements, as long as they're accurate and well kept. Either way, we look at the real numbers: margins, cash trends, debt and how reliable the books are. Good advice can't come from inaccurate statements, so if your books need work, we'll start with a cleanup.

3. Your plan and pricing, usually within 2 business days

We'll come back with what we found, the starting point we recommend (an ongoing package, a 90-Day Sprint or the Audit & Blueprint) and your price. Nothing starts until you've said yes to the plan and the price.

Want us to go through your books and reports in depth before you decide? That's the paid Financial Audit & Blueprint, described above. The free consultation is about fit and direction. The Audit & Blueprint is a full review with written recommendations.

From there, your meetings, reports and forecasts run on the schedule your package sets. Meetings are virtual, so we can work together wherever you are.

Fractional CFO pricing

CFO services start at $400 per month. From there, your price depends on which package you choose, how often we meet and how complex your business is. You pay for what you need, not for features you won't use.

Insights, Growth and Scale packages: priced to your business, starting at $400 per month
Add-ons: priced to your business
90-Day Sprints: priced to your business, as a one-time project
Financial Audit & Blueprint: a paid, one-time deep dive, priced to your business
Beyond Bookkeeping consultation: free
Commitment: Ongoing monthly packages have a three-month minimum. After that, you can cancel anytime with 30 days' notice.

Book a free consultation

Meet the Founder

$Tonya Weinzettle, founder of Teal Business Solutions and fractional CFO in Conroe, TX$

Tonya Weinzettle founded Teal Business Solutions in 2023 after more than 20 years in commercial and residential lending, 17 of them in business banking. She is also a QuickBooks Online ProAdvisor.

That background is the difference you'll notice. Tonya spent her lending career reading small-business financials and seeing where owners got stuck, so she thinks like a banker. She looks at your numbers the way a lender does: Can the business cover its debt? Is cash coming in fast enough to support growth? Do these projections hold up? We don't just report your numbers. We tell you what they mean, what your banker will think of them, and what to do next, in plain English.

More services weren't creating better cash flow.

One client offered 15 different services but struggled with cash flow and meeting payroll. We analyzed profitability by service and found that some offerings weren't profitable. She removed those services and focused on her strongest earners. We also built a debt repayment plan that reduced monthly payment pressure while tackling debt faster, and established planned owner pay instead of unpredictable withdrawals. Together, these changes improved her cash flow and gave her a clearer plan for managing the business's money.

Why owners choose us for CFO work

20+ years in lending, 17 in business banking
QuickBooks Online ProAdvisor
Advice in plain English, with no jargon and no judgment
Based in Conroe, TX, working with owners across Montgomery and Harris counties and nationwide

What our clients say

★★★★★ "She has helped me navigate my profit and loss and showed me simple tools to keep my profit on track!!"
Andrea P., Google review

★★★★★ "It's clear that Tonya understands the bigger financial picture business owners need to make smart decisions. She explains things in a way that feels clear, not intimidating."
Renata U., Google review

★★★★★ "They offer bookkeeping and additional business advisory that will completely change how you see your business finances. If your business is growing, their services are highly recommended!"
Karla R., Google review

Fractional CFO FAQs

How much does a fractional CFO cost?

Our CFO services start at $400 per month. Where you land above that depends on how much support you need. A monthly scorecard with a short video review costs less than monthly meetings with cash flow projections. 90-Day Sprints are priced as one-time projects. You'll get an exact number before any work begins, usually within 2 business days of your free Beyond Bookkeeping consultation.

When does a small business need a fractional CFO?

Usually it's when the decisions get bigger than the bank balance can answer. Maybe you're thinking about hiring, adding a service line, taking on a loan or raising prices. Or revenue is up, but cash still feels tight. If you're doing about $200K to $3M a year and making those calls on instinct, that's usually the right time.

Can a fractional CFO replace my accountant?

No, and it shouldn't. Your CPA handles tax returns and tax planning. A fractional CFO looks forward and helps you plan cash, profit and growth. We don't prepare taxes, so we work alongside your CPA, and we're happy to coordinate with them so everyone is working from the same numbers.

What's the difference between a bookkeeper and a fractional CFO?

A bookkeeper keeps your past in order with accurate, reconciled records. A fractional CFO uses those records to plan ahead: where cash is headed, which services are actually profitable, and what to do next. Many of our clients use both. For a closer look, read what a CFO does differently.

What if my books aren't clean, or aren't in QuickBooks Online?

You don't have to be on QuickBooks Online. If your current financial statements are accurate and well kept, we can work from them. What we can't do is give you good advice based on inaccurate numbers. So if the statements don't hold up, the first step is a cleanup, and then the CFO work starts on a solid foundation.

What's the difference between the free consultation and the Financial Audit & Blueprint?

The Beyond Bookkeeping consultation is a free conversation about what your business needs, what we offer and how they fit together. The Financial Audit & Blueprint is a paid deep dive. We go through your books and reports, score seven areas of your financial health, and give you our written recommendations for what to do next, followed by a 30-minute debrief call.

Do you manage investments or give investment advice?

No. Our CFO services focus on your business: cash flow, profit, budgets and planning. For investment advice, you'll want a licensed financial advisor.

Ready to make decisions with real numbers?

Tell us where your business is today and where you want it to go. We'll start with a free Beyond Bookkeeping consultation, then recommend the right starting point and send you a plan and a price. We reply within 1–2 business days.