Not every startup needs a full-time CFO. But every company benefits from strong financial leadership. Outsourcing your finance function gives you senior-level expertise at startup-friendly costs, helping you scale with confidence.

At Lucro Finanças, we act as your finance co-pilot — guiding founders and business leaders through tough decisions, setting up solid financial foundations, and ensuring you’re always prepared for the next stage of growth.

Here are some key considerations:

Cost Efficiency

• A full-time CFO is expensive (often €180k+ per year).
• Outsourcing provides senior-level expertise for a fraction of the cost, scaled to the company’s actual needs.

Flexibility

• Startups may not need 40 hours/week of finance leadership.
• With a fractional CFO, you can dial support up or down depending on fundraising cycles, growth, or operational changes.

Access to Expertise

• Early teams often lack deep financial experience.
• Outsourcing gives you instant access to someone who’s seen funding rounds, managed budgets, built models, and handled compliance.

Focus on Core Business

• Founders can focus on product, customers, and growth — not reconciling accounts, building financial models, or chasing tax deadlines.

Investor Confidence

• Having structured financial reporting and professional oversight reassures investors.
• A fractional CFO can help prepare board packs, fundraising materials, and ensure credibility in due diligence.

Scalability

• Outsourced finance leadership grows with you.
• Start with oversight and reporting, expand to full CFO support as the business scales.

Risk Reduction

• Poor financial planning leads to surprises — running out of cash, missing tax filings, or mispricing products.
• A professional brings discipline and ensures compliance.

Objectivity

• External financial leadership provides a neutral perspective, helping founders make tough decisions without bias.

Systems & Processes Setup

• Early mistakes in accounting systems, expense policies, or cash flow management are costly later.
• A fractional CFO sets up scalable financial infrastructure from day one.

Bridge Until Full-Time Hire

• Outsourcing fills the gap until the company is large enough to justify (and afford) a full-time CFO or finance team.