Agile CFO Solutions

About Agile CFO Solutions

Agile CFO Solutions is an Indianapolis, Indiana-based outsourced finance and accounting firm specializing in fractional CFO services, controller-level work, bookkeeping, and payroll for small and mid-sized businesses. The firm is women-owned and, per its own positioning, built on the premise that smaller companies deserve the same financial management depth that larger organizations take for granted, delivered at a cost that actually fits a small business budget. The service line is organized into three tiers that map to different levels of financial sophistication. At the strategic end, CFO Solutions covers advisory support, cash flow analysis, financial analysis, KPI development, forecasting and budgeting, and managing banking relationships. This is fractional CFO work, Agile is not placing a full-time executive on your payroll but instead providing that analytical and strategic layer on a part-time or project basis. For companies that have never had a dedicated CFO, this can fill a genuine gap: someone who can sit across from a lender, model out a cash flow scenario, or pressure-test a budget without the $200,000-plus salary that comes with a full-time hire. The middle tier, Controller Solutions, covers financial reporting, account reconciliations, accounting policy development, process improvement, and financial systems work including software evaluation and QuickBooks implementations. This is where the day-to-day financial control function lives, making sure the books are accurate, close happens on time, reporting is reliable, and the underlying systems are set up correctly. QuickBooks is explicitly called out, which suggests their primary client base is running small-business accounting stacks rather than enterprise ERP platforms. The third tier is Bookkeeping and Payroll, virtual bookkeeping, accounts payable, accounts receivable, general ledger maintenance, and payroll services. This is the execution layer: transaction processing, vendor payments, customer invoicing, bank reconciliation, and making sure employees get paid correctly and on time. Who is this built for? The positioning throughout is clearly aimed at small businesses that are managing finances without a dedicated finance team, or with a single bookkeeper who lacks the strategic depth to support growth decisions. The featured case study involves a construction company that saved $25,000 while improving financial decision-making and cash flow visibility, which gives a useful signal about the type of client the firm serves: project-based businesses where job costing, cash flow visibility, and financial process discipline matter significantly. The firm emphasizes being a liaison between clients and their banks and auditors, a practical value-add for smaller businesses where the owner is often stuck in the middle of those conversations without the financial fluency to navigate them confidently. Delivery model is virtual and remote-first by design, which fits the "outsourced" framing and means geographic reach is not limited to Indianapolis even if that is where the firm is headquartered. The service label "Virtual Bookkeeping" makes this explicit. On pricing, the firm does not publish rates publicly, but the language around "small business budget" and "affordable cost" suggests a focus on the SMB segment rather than mid-market or enterprise engagements. The likely pricing model is a monthly retainer or project-based arrangement, which is standard for fractional CFO and bookkeeping firms. Buyers should ask specifically about what is included in the retainer, how many hours are bundled, what triggers overage charges, and whether payroll processing fees are separate from bookkeeping fees. There is no public information on team size, certifications, or specific tooling beyond QuickBooks. The founder is described as having decades of finance, administration, and operations experience across multiple industries, but individual credentials are not detailed in the available research. Here is my honest editorial take. Agile CFO Solutions looks like a legitimate, focused small-business finance firm. The tiered service model, bookkeeping, controller, fractional CFO, is well-structured and covers the full range of what a growing small business typically needs. The construction company case study is a useful signal, but one case study is not a pattern. Before engaging, I would want to know: what industries does the team have the most hands-on experience in, beyond construction? What accounting software platforms can they support beyond QuickBooks, if your business runs on Xero, NetSuite, or a vertical-specific platform, you need to confirm compatibility. How many clients does each team member handle, and what does capacity look like when volume grows? What does the onboarding process look like, do they build the SOPs, or do they expect you to hand over a clean set of books from day one? I would also ask specifically about the payroll service: are they running payroll in-house, or routing through a third-party processor like Gusto, ADP, or Paychex, and what is the error correction process when a payroll mistake happens? For smaller businesses, payroll errors are high-stakes, they affect employee trust immediately. The women-owned designation is worth noting for buyers with supplier diversity requirements, though that alone is not an operational differentiator. For a small business that is currently managing finances with a part-time bookkeeper or the owner's own spreadsheets, and needs to bring in more financial discipline without hiring a full-time controller or CFO, Agile CFO Solutions sits in a reasonable position. The caution I would flag is that firms like this can vary significantly in actual depth depending on team size and the founder's current bandwidth, confirm early what your primary point of contact will be and what the escalation path looks like if your assigned contact is unavailable. The sales deck usually shows capacity; it rarely shows operating discipline.