By Michael Spencer | Ten Four CFO You did not build your business the way everyone else did. Maybe you started with less access to capital than your counterparts. Maybe you walked into rooms where you were the only one who looked like you, or loved like you, or came from where you came from. Maybe you built your network from scratch in communities that were not always designed with you in mind. Maybe you had to work twice as hard to be taken half as seriously. And yet here yo

By Michael Spencer | Ten Four CFO Growing a business is exciting. It is also financially complicated. As revenue climbs, so does complexity — cash flow becomes harder to predict, financing needs grow, and the financial decisions you make carry significantly higher stakes. Yet for many business owners in the $1M to $30M revenue range, hiring a full-time Chief Financial Officer simply does not make financial sense. Not yet. That is exactly where a fractional CFO changes the gam

By Michael Spencer | Ten Four CFO You have heard the term fractional CFO. You may even know your business could use one. But knowing what the engagement actually looks like — how it starts, how it works day to day, and what success looks like — is a different question entirely. This post is the practical guide to working with a fractional CFO. Not just why you should consider one, but exactly what to expect when you do. Eye-level view of a financial report with graphs and cha

By Michael Spencer | Ten Four CFO The value of a fractional CFO is best understood not in theory but in practice. What does it actually look like when a growing business brings in senior financial leadership at the right moment? What changes, what improves, and what becomes possible that wasn't before? The following case studies represent the kinds of transformations that happen when business owners stop managing finances reactively and start leading their businesses with fin