Fractional CFO for owner-operated businesses in Orange County

Covenant Advisors is a fractional CFO firm based in Irvine, California. We work with owner-operated professional services firms in Orange County and across Southern California with $5M to $50M in revenue, especially MSPs, IT services firms, and digital and advertising agencies.

Who this is for?

You own a services firm in Irvine, Newport Beach, Costa Mesa, Santa Ana, Anaheim, or elsewhere in Orange County. Revenue has grown past $5M. The business doesn’t feel as profitable as the top line suggests, and cash is tighter than it should be. Your bookkeeper or accounting firm closes the books. You need someone to turn those numbers into decisions.

What We Do

  • Build a budget and rolling forecast tied to your accounting system
  • Forecast cash by month so payroll, debt payments, and slow months don’t surprise you
  • Find which clients, services, and contracts earn their margin, and reprice the ones that don’t
  • Set up monthly KPI reporting the owner and leadership team use
  • Prepare lender packages and manage banking relationships

Results for owner-operated firms

$8.5M MSP: about $18K in net new monthly recurring revenue
‍We built a fully loaded cost model across about 120 client accounts. It showed 40 accounts priced below target margin. The firm repriced them, and 3 clients left by design. The result was about $18K in net new monthly recurring revenue, or $216K a year, and gross margin up about 2 points.

‍$5M services company: short-term debt retired about 18 months early
‍An event-driven services company was paying $950 every business day on short-term debt, about $240K a year or 4.8% of revenue. We built a budget and the company held to it for the year. It retired the debt about 18 months early from operating cash, with no refinancing.

How engagements work

Pricing starts at:
$6,500 a month for firms with $5M to $12M in revenue
$9,000 for $12M to $25M
$14,000 for $25M to $50M+.

Engagements are month to month with 30 days’ notice.

About Jason Green

Jason Green, MBA, founded Covenant Advisors and serves as fractional CFO for every client. He has more than 25 years in finance and has run his practice since 2015. Before that, he was CFO at Patriots Federal Credit Union and held treasury and analyst roles at SchoolsFirst Federal Credit Union and WesCorp. He holds an MBA from the UC Irvine Paul Merage School of Business and serves on FFB Bank’s Southern California Advisory Board.

Frequently Asked Questions

Do you only work with Orange County businesses?
No. We’re based in Irvine and work with clients nationwide.

‍What kinds of businesses do you work with?
Owner-operated professional services firms with $5M to $50M in revenue, especially MSPs, IT services firms, and digital and advertising agencies.
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‍Do you replace our bookkeeper or accounting firm?
No. We work alongside your bookkeeper or outsourced accounting firm and use the numbers they produce.
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‍Are you a CPA?
No. We work with your CPA on tax and audit matters.
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‍How much does a fractional CFO for an MSP cost?
Pricing starts at $6,500 a month and depends on your revenue. Engagements are month to month with 30 days’ notice.
Talk Through Your Numbers
Book a free consultation call to discuss where your numbers are unclear and whether a fractional CFO is the right fit.
Book a Consultation Call

Covenant Advisors provides fractional CFO services to owner-operated professional services firms with $5M to $50M in revenue.

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