CFO & Accounting Solutions for Commercial Banking Clients in the Lower Middle-Market

We work closely with relationship managers, syndicate groups, and special assets groups to provide financial oversight and rock-solid reporting for their books of business. We ensure consistent, accurate financial data and covenant compliance while facilitating stronger banker-client relationships.

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Why Partner With Till CFO for Your Bank Clients?

Till CFO offers CFO, accounting, and day-to-day financial management services for the lower middle-market commercial banking and venture debt space.

By providing financial clarity, consistent reporting, covenant compliance, financial planning, budgeting, and more, we help Relationship Managers manage risk across their portfolios while strengthening and growing their client relationships.

We also support Special Assets Group members by providing financial leadership and executing extensive cleanup projects and turnaround strategies that help distressed companies regain stability and return to good standing.

Key Solutions We Offer Your Book of Business:

Consistent Financial Reporting

We provide clean and reliable financial statements and a rock-solid accounting foundation, ensuring your clients meet financial reporting standards and increasing the likelihood of loan approval.

Covenant Compliance

We help your clients maintain compliance with loan covenants, ensuring that receivables, inventory balances, and cash flow projections align with lending requirements.

Accelerated Good Standing

We focus on costs, optimizing cash flow, and identifying solutions to improve financial health, ultimately working with banks to recover value and move the company back into a lending-ready position.

Financial Planning & Budgeting

Our team supports clients in developing solid financial plans and budgets, offering transparency to underwriters and relationship managers on capital needs, loan usage, and financial health.

Cleanup Projects

From multiple years to just a few months, our team of experts produces a full set of clean, accurate financials that tell the full story of the businesses you're working with.

Board-Level Reporting & Capital Raising

We prepare investor and board-level financial reports, helping your clients with capital raising efforts, while ensuring all financial data is accurate and actionable.

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Till CFO has provided phenomenal guidance and leadership that has been nothing short of transformative for our organization. Their proactive approach to identifying and addressing potential financial issues has consistently kept us ahead of the curve. I would highly recommend their services to anyone seeking comprehensive financial expertise!

— Carter Hopkins, CEO, Pursuit Sales Solutions

How Till CFO Strengthens Banking Relationships

We partner with regional banks, venture debt providers, and non-bank lenders to provide the financial support your clients need to grow while ensuring they remain compliant. Our custom, hands-on approach ensures your clients maintain good financial health, reducing risk and increasing growth potential.

Increased Approval Rates

We ensure that financial reports and compliance metrics are delivered accurately and on time, reducing friction in the credit approval process.

Hands-On Financial Oversight

Our team takes a proactive approach to managing your clients’ finances, ensuring consistent cash flow management, accurate financial reporting, and compliance with financial covenants.

Risk Mitigation

We help lenders mitigate risk by ensuring that their clients have the proper financial infrastructure to handle loan agreements, growth plans, and financial audits.

Client Growth and Retention

Till CFO supports your clients’ growth and financial stability, helping you build long-term relationships based on trust, reliable financial performance, and the peace of mind that your clients are stewarding their capital responsibly and efficiently.

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Customized Services to Meet You and Your Client’s Needs

Discover Our CFO Solutions

Deep Expertise in the Lower Middle Market

Our CFOs have extensive experience working with companies in the $5M to $30M revenue range, ensuring compliance and reporting standards that align with lender expectations.

Direct Support for Regional Banks

We partner with several regional banks across multiple states to provide tailored financial support that strengthens their bank-client relationships and drives overall loan growth.

Proactive Financial Management

We don’t just report numbers—we actively engage with your clients to manage cash flow, improve margins, and ensure covenant compliance.

Scalable Suite of Services

Whether your client is a fast-growing startup or a mature private company, our services scale to meet their financial needs as they evolve.

Track Key Metrics

We closely monitor and manage liquidity ratios, receivables, inventory balances and other metrics to ensure they align with credit agreement requirements.

Ready to Strengthen Your Client Relationships?

Contact us today to learn how our suite of CFO services can help your banking clients maintain compliance, improve financial performance, and secure capital with confidence.

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Frequently asked questions

Here are some common questions we often receive from founders and business owners.

What is a fractional CFO and how can they benefit my business?

A fractional CFO provides high-level financial expertise on a part-time or project basis, offering strategic financial guidance without the cost of a full-time CFO. They help with financial planning, cash flow management, fundraising, and strategic decision-making, making them ideal for businesses that need expert financial management but cannot justify a full-time CFO.

How does Till determine which service tier is right for my business?

Till conducts an initial consultation to assess your business’s financial needs, growth stage, and strategic goals. Based on this evaluation, we recommend the most suitable service tier—Build, Grow, or Scale—to ensure you receive the appropriate level of financial support and expertise.

What kind of businesses typically benefit from Till's services?

Till’s services are ideal for businesses in the technology (especially SaaS, AI, and FinTech), professional services (consulting, legal, marketing firms), non-profit, and financial services sectors. Our clients typically have annual revenues between $1 million and $25 million and are looking to optimize their financial operations, secure funding, and scale their business.

How does the engagement process work with a fractional CFO from Till?

Engagement begins with an initial consultation to understand your business needs. Following this, we tailor a plan specific to your requirements and assign a dedicated team of financial experts led by a CFO or controller. Regular meetings and continuous support ensure that your financial strategy aligns with your business goals. The frequency and depth of these interactions depend on the service tier selected.

How can Till assist with fundraising and capital raising efforts?

Till’s fractional CFOs bring extensive experience in preparing businesses for fundraising. This includes creating compelling financial presentations, developing an equity story, optimizing financial structures, and supporting negotiations with investors. Our goal is to ensure you secure the necessary capital efficiently and on favorable terms.

How does Till's service differ from the work done by my bookkeeper?

While bookkeepers handle essential tasks such as recording transactions, managing payroll, and reconciling accounts, Till provides strategic financial leadership. Our CFOs offer high-level financial planning, strategic budgeting, capital raising guidance, risk management, and performance analysis—services that go beyond the scope of typical bookkeeping. This strategic oversight helps businesses make informed decisions, optimize growth, and navigate complex business challenges.