Tier 3 · Finance Partner · $5,997/mo base
Every document a lender asks for already exists
For developers, ADU builders, and operators carrying institutional debt: everything in Back Office plus the CFO layer, a named senior contact, and a private Slack channel. $5,997/mo covers one entity and 1,200 transactions a month; each additional entity is +$247/mo. Reconciled by the 7th.
Maturities & covenants
updated at every close| Kern land loan · balloon Mar 2027 | DSCR 1.28 ✓ |
|---|---|
| Fourplex refi · balloon Aug 2027 | DSCR 1.41 ✓ |
| ADU line · matures Nov 2026 | 4 mo runway ⚠ |
| Cash low point · forecast | Feb 2027 |
| Flagged action | refi ADU line by Sep |
Sound familiar?
- You find out about a cash crunch when it arrives, two quarters after you could have moved
- Lot costs, capitalized interest, and cost-to-complete live in a spreadsheet only you understand
- Every capital conversation starts with “let me pull that together”
- Your balloon dates and DSCR covenants live in your head
What you get
- Everything in Back Office, plus:
- 12-24 month rolling cash forecast across projects and entities, updated monthly
- Debt covenant and maturity tracking: every balloon date and DSCR requirement on one schedule, with runway warnings
- Financing comparisons and kill/proceed input on deals, from a cash standpoint
- Lot-level cost allocation for land · per-unit tracking for ADU builds
- Capitalized carry (interest, taxes, insurance) during development
- Cost-to-complete reporting per project and phase
- Lender and capital packages maintained current: PFS, debt schedules, pro formas
- LP contribution and distribution tracking
- Direct line: private Slack channel, same-business-day response, named senior contact
- Reconciled by the 7th, final close by the 20th · monthly CFO meeting
A CFO-only retainer averages $5,000-8,000/mo before anyone touches your books. Finance Partner is $5,997 with the entire back office underneath it, and one funded deal pays for years of it. Hire the two roles separately, a bookkeeper plus a fractional CFO, and you’re at $100-140k/year and managing both.
What the base price includes, and what you can add
One entity, 1,200 transactions a month, the full back office, the CFO layer, the monthly meeting, and Direct line all sit inside the $5,997. Below is what’s left to add. Questions, calls, emails, and the 48-hour lender package aren’t metered.
| Upgrade | Price | What it is |
|---|---|---|
| Additional active entity | +$247/mo per entity | Each entity is its own set of books. Dormant entities (no transactions, no payroll) are never billed. |
| More volume | +$147/mo per 100 transactions | Above the transactions included in your tier. Reviewed quarterly against actual volume and moved up or down. |
| PM or STR platform reconciliation | +$197/mo per platform | AppFolio, Buildium, Airbnb, VRBO. We reconcile the platform ledger to your books. |
| Additional CFO meeting | $597 per meeting | A prepared 60 to 90 minute session with David beyond the standing cadence. |
| Lender or capital package rush | $247 per package | 24-hour turnaround. The standard 48-hour package stays included and unmetered. |
| Monthly review call | Included | 45 minutes with David walking the numbers, every month instead of a quarterly summary. |
| Direct line | Included | A private Slack channel, same-business-day response, and a named lead who knows your file. |
When your upgrades reach about $3,000/mo, or you launch a fund with LPs, Accounting Department brings consolidation, capital accounts, and LP reporting for $11,997. You hear it from us first.
When you outgrow Finance Partner
A fund or syndication with 5+ LPs, a fund audit on the calendar, or consolidated financials across an integrated operation. Those point at Accounting Department at $11,997/mo.
Finance Partner questions
Is the CFO work real or a fancier report?
Defined deliverables: the 12-24 month rolling forecast, the covenant and maturity schedule, kill/proceed cash input on deals, and a standing monthly meeting with a named senior contact. It’s all written into the agreement.
Why does this cost more than a fractional CFO?
It usually doesn’t. A CFO-only retainer averages $5,000 to $8,000 a month with no bookkeeping, AP, or payroll underneath it. Finance Partner is $5,997 with the entire back office included, from people who only do real estate.
Do you make investment decisions?
No. We model the cash and you decide. We never execute a transfer, a trade, or a wire. We prepare and recommend, you execute.
Is this built for ADU work?
Yes. Per-unit cost tracking, capitalized carry during the build, and cost-to-complete per phase, built for ADU pipelines and small development.
What does “capital readiness” actually mean?
Your PFS, debt schedules, and project pro formas stay current every month. When a lender or a capital partner asks, the package already exists and you send it.
Financing the future, not just recording the past?
If your next 12 months include a ground-up, a land deal, or outside capital, this is the conversation. 30 minutes.
Book a fit call